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ADDITIONAL COSTS

Understanding the costs of a property purchase

With a property project, various costs can be added to the financing of the property, depending on your situation and the type of purchase.
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THE COSTS OF BUYING

Which costs should you plan for?

When buying a property, several costs can be added to the price of the property, depending on your project and the financing terms offered.

The additional costs may include in particular:
  • certain administrative fees,
  • costs relating to the financing,
  • certain guarantees,
  • and costs relating to the acquisition of the property.
The total amount varies mainly according to:
  • the type of property project,
  • the amount financed,
  • your situation,
  • as well as the terms offered by our partner banks.
A financing assessment allows a precise evaluation of the costs to plan for on your project.
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FIRST-TIME BUYERS & FINANCING

Bellegen Akt and 100% financing

In certain cases, some banks may offer 100% financing depending on your situation and your property project.

The Bellegen Akt also reduces part of the costs of acquiring a main residence, subject to certain conditions.

As every situation is different, a personalised analysis identifies the financing solutions suited to your property project.

PREPARING YOUR PROPERTY PROJECT

Planning your property budget

Before starting your property search, we recommend assessing your borrowing capacity in order to set a budget that fits your situation.

The property budget calculation must take into account:
  • the price of the property,
  • the additional costs,
  • the personal deposit,
  • as well as the financing terms on offer.
A mortgage simulation gives you a first estimate of the monthly repayments for your project.

FREQUENTLY ASKED QUESTIONS

Your questions about additional costs

Are the additional costs included in the financing?

Depending on your situation and the type of financing offered, certain costs may remain partly payable by the borrower.

The Bellegen Akt is a tax credit that reduces part of the costs of acquiring a main residence, subject to certain conditions.
Some banks may consider 100% financing depending on your profile and your property project.
A financing assessment allows you to plan the overall budget of your property project and the costs of acquisition.

SUPPORT FROM PRET IMMO

Why use a mortgage broker?

Pret Immo supports you in analysing your property budget and finding the financing solutions suited to your situation.

We help you to:
  • understand the costs relating to your project,
  • analyse your borrowing capacity,
  • approach our partner banks,
  • and compare the financing solutions for your profile.
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Let's talk about your property project

Book an appointment with a Pret Immo adviser to obtain a personalised financing assessment and move forward with confidence in your property project.
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