Housing

Additional costs

What costs are added to the purchase price of your home or plot of land?

At the time of your purchase

When drawing up a budget for your real estate project, there are a whole set of costs you should take into account which are in the majority of cases added to the purchase price of your home or plot of land. Do not forget to include these in your calculation!


It may be useful to have a valuation carried out on the property you intend to buy. By finding out the real value of your property, you avoid any unpleasant surprises later. That is why ING works with independent experts.

  • Who do I pay? The independent expert.
  • How much? A standard fee of €180, including VAT.

Home loan applications are subject to a filing fee. This fee is payable after signing the loan agreement.

Notaries’ fees for the mortgage deed also vary, depending on the amount of the mortgage, among other things. These include the notary’s own fee, various registration fees and stamp duty.

Notaries’ fees for the mortgage deed also vary, depending on the amount of the mortgage, among other things. These include the notary’s own fee, various registration fees and stamp duty.

Good to know:

Stamp duty is a tax which must be paid by anyone buying a property in Belgium. The amount varies depending on the region in which the property is situated.

When you buy a modest home, in some circumstances you can benefit from a reduction on the stamp duty payable.

Find out more about stamp duty

After your purchase

In your monthly budget, it is a good idea to include a range of fixed and recurrent costs linked to your purchase. In addition to maintenance of the property (renovation work, redecoration, energy consumption, etc.), you will most likely have other costs


Your property project is worth a great deal. You should therefore take steps to protect it as much as possible. There are 2 types of insurance that are essential to keep from lying awake at night: loan protection insurance and fire insurance.

At ING, you can choose to pay these premiums monthly, which means you do not have to make one large payment in one go.

  • Who do I pay? The insurer.
  • How much? Find out more about these kinds of insurance policies.

Withholding tax is a tax on property which you have to pay each year. It corresponds to a percentage of the land registry income and varies in relation to various parameters, such as the number of rooms in your home.

If you are buying an apartment, you will most certainly have to pay joint ownership costs. Each owner must contribute to communal costs such as general lighting, building maintenance, maintenance of lifts and so on.