True Cost of Ownership

The mortgage is only part of it. Add the taxes, fees and upkeep to see what the property really costs you — and what you need in the bank before you get the keys.

Total monthly cost

€1,635

/ month

€524 of that is everything other than the mortgage.

Mortgage

68%

€1,112

Property tax

€52

Insurance

€33

Maintenance

13%

€208

Community fees

€80

Utilities

€150

Cash needed on day one

€67,000

upfront

Paid before you get the keys, on top of every monthly cost above.

Deposit

75%

€50,000

Transfer tax

11%

€7,500

Agency fee

11%

€7,500

Legal and notary

€2,000

First year, all in

€86,625

Upfront costs plus twelve months of running the property.

Estimates only, for guidance. Tax and fee rates vary by jurisdiction and by whether the property is a new build or a resale — check the defaults against your local rates before relying on them.

True Cost of Ownership

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