Financial tools
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
3%
€52
Insurance
2%
€33
Maintenance
13%
€208
Community fees
5%
€80
Utilities
9%
€150
Cash needed on day one
€67,000
upfrontPaid 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
3%
€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.