Calculate your total costs for buying residential, commercial, apartment, or Airbnb property in Netherlands — including Overdrachtsbelasting (Transfer Tax), closing costs, and mortgage expenses. See gross yield, net yield, cash-on-cash return, and a 10-year investment projection. Read the Netherlands buying guide
Frequently asked questions
How is Overdrachtsbelasting (Transfer Tax) calculated in Netherlands?
Overdrachtsbelasting (Transfer Tax) in Netherlands is a flat rate of 8.0% of the purchase price. National transfer tax on property purchases. Investor rate is 8% in 2026 (reduced from 10.4%). Owner-occupiers pay 2%. First-time buyers aged 18-35 pay 0% on properties up to EUR 555,000. Commercial property remains at 10.4%. No foreign buyer surcharges.
What are the closing costs when buying property in Netherlands?
When purchasing property in Netherlands, typical closing costs include: Notary — Transfer Deed (Leveringsakte), Land Registry — Transfer (Kadaster), Property Valuation (Taxatierapport), Notary — Mortgage Deed (Hypotheekakte), Land Registry — Mortgage (Kadaster), Mortgage Advisor (Hypotheekadviseur). These are paid by the buyer at or before completion, in addition to the purchase price and Overdrachtsbelasting (Transfer Tax).
What ongoing costs should I budget for as a property owner in Netherlands?
Ongoing costs for property owners in Netherlands typically include: Property Tax (OZB), Water Board Tax (Waterschapsbelasting), Waste Tax (Afvalstoffenheffing), Box 3 Wealth Tax (Vermogensbelasting), Building Insurance (Opstalverzekering), Maintenance Reserve. These are annual costs that should be factored into your rental yield and cash flow calculations.
Is there capital gains tax on property in Netherlands?
Netherlands does not currently charge capital gains tax on property sales.
For a detailed breakdown, read the Netherlands property buying guide.