Netherlands: buying property
The full process in 6 steps: the taxes you pay, what each stage costs and how long it takes (~60 days on average). Free guide, no account needed.
Process steps
1
Make an offer & negotiate (optionally via aankoopmakelaar)
⏱ 1-2 weeks · 💰 1-2% agent (optional)
2
Sign purchase agreement (koopovereenkomst)
⏱ 1 day · 💰 3-day statutory cooling-off
3
Pay 10% deposit / bank guarantee to notary
⏱ ~2 weeks · 💰 10% (held in escrow)
4
Arrange mortgage & structural survey (bouwkundige keuring)
⏱ 4-6 weeks · 💰 €400-800 survey
5
Notary (notaris) title check & deed of transfer
⏱ 1-2 weeks · 💰 included
6
Sign leveringsakte & register in Kadaster
⏱ 1 day · 💰 notary + registry fees
Taxes & fees
transfer tax own home
2%
transfer tax investor
10.4%
vat new build
21%
notary fee
€1,000-2,500
agent fee
1-2% (optional)
⚠️ Informational purposes only. Always consult a licensed local lawyer.
Check what a property here is actually worthOpen the free valuation