Interactive tool · 30 seconds

How much do the purchase costs of a new property in Belgium add up to?

Our calculator applies the current Belgian tax framework: 21 % VAT on the building, registration duties of 3 % or 12.5 % on the land share depending on your profile, degressive notary fees and mortgage duties for the loan. Enter the price excl. VAT, the tool figures the total envelope to set aside before the authentic deed.

~25 %
of fees on average
2 350
calculations performed
Free
no email
Calculator · 1 minute
New-build purchase cost estimator

Enter the price excl. VAT agreed in the contract (new build excl. taxes). The calculator adds VAT, registration duties on the land share, notary fees, mortgage duties and administrative fees.

Estimated total costs
— €
21 % VAT on build + land registration duties + notary + mortgage · indicative estimate
Méthodologie

How is the calculation done?

Buying a new-build property in Belgium combines several tax levies: VAT 21 % on the building, registration duties 3 % (Walloon or Flemish resident buyer) to 12.5 % (Brussels or non-resident) on the land share, degressive notary fees by scale, mortgage duties of 1 % for loans. Our tool figures the total envelope to set aside before the authentic deed using average coefficients drawn from 800 Walloon and Brussels transactions.

Variables du modèle
VAT 21 % on the building pondération · 0.21
Applied systematically to the construction share (usually 75-85 % of the price excl. VAT).
Land registration duties pondération · 0.06
3 % in Wallonia/Flanders for residents, 12.5 % in Brussels or for non-residents — weighted average rate.
Degressive notary fees pondération · 0.012
National scale: ~1 % for a 300 k€ property, degressive above. Includes fees + administrative costs.
Mortgage duties (if loan) pondération · 0.01
1 % of the borrowed amount + mortgage registration costs at the land registry.
Ancillary administrative fees pondération · 0.005
Urban planning searches, EPC certificate, deed copies, VAT statement — average flat 1 200 €.
Cas pratiques

Three real-world cases from our database.

Cas 01

New 85 m² apartment · Liège

Liège · Walloon resident
Estimé
78 400 €
Réel
76 900 €
Difference -2 % — estimate very close to the final notary statement.
Cas 02

New 145 m² house · Wavre

Wavre · Brabant resident
Estimé
95 200 €
Réel
98 300 €
Difference +3 % — land area above the model's weighted average.
Cas 03

VEFA 75 m² apartment · Brussels

Brussels · Brussels resident
Estimé
112 500 €
Réel
115 800 €
Difference +3 % — 12.5 % registration duties affect the total envelope.

Want a precise statement before the authentic deed?

Our pre-deed audit verifies every line of the notary statement and identifies possible savings (reduced registration duties, specific exemptions). Quote within 24 h.