Notary fees · Registration duties · Mortgage loan
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Purchase deed fees and mortgage deed fees are included in the borrowed amount — your contribution only covers the purchase price. Some banks grant this up to 125% of the property value.
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Buying property in Belgium involves more than the purchase price. "Notary fees" include registration duties, deed costs and professional fees. Rates vary significantly by region.
In Wallonia, the standard registration fee rate is 12.5% for most properties. A reduced rate of 3% applies for the only and own dwelling. Indexed thresholds from 01/01/2026: €215,283.21 in property pressure zones · €201,827.99 outside zones (art. 53ter W.Reg.). Undivided share, usufruct or bare ownership is not an obstacle (Circ. 2025/C/42).
In Brussels, a €200,000 reduction on the taxable base is granted for the purchase of a sole and own home, if the buyer registers their domicile there within 2 years. For a property worth €350,000, fees are calculated only on €150,000, saving €25,000 at the 12.5% rate.
In Flanders, the standard rate is 3% for a sole and own dwelling. This reduced rate replaces the standard 12.5% applicable to other properties. For non-residential buildings or second homes, the 12.5% rate still applies.
Belgian notary fees include notary fees (legal degressive scale), registration fees (regional rate), deed costs (mortgage registration, administrative fees) and VAT on fees. For a €300,000 property, total costs range between €30,000 and €45,000 depending on the region.
The Registration Duties Code governs fees levied on notarial deeds (property sales, gifts, mortgages). Since the 6th State Reform, rates vary by region: 3% in Wallonia (with abatement), 2% in Flanders (modest purchase), specific rate in Brussels with abatement.
For professional property, registration duties form part of the acquisition cost and can be depreciated. For individuals buying their main residence, they are not directly deductible from personal income tax, but regional reductions partially compensate: housing bonus in Wallonia, abatement in Brussels, reduced rate in Flanders.