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Real estate is a complex sector! Understanding the costs associated with buying a property is essential for any buyer. Among these costs, notary fees must be considered when planning your real estate purchase budget. But what exactly do they include?
Definition of notary fees
Often perceived as an unavoidable expense in a real estate transaction, notary fees actually represent a range of costs. Generally, they vary between 2% and 8% of the property's sale price. real estate in La Couarde-sur-Mer or elsewhere. These fees do not go solely to the notary, as the majority is paid to the State in the form of taxes and various duties.
Breakdown of notary fees
Notary fees are divided into several categories:
- Emoluments These are the notary's fees for their services. They are governed by a sliding scale based on the price of the property. For example, for a property costing €200,000, the fees amount to approximately €1,995.
- Duties and taxes : these amounts mainly include the land registration tax and other departmental and municipal taxes, which can amount to up to 6 % of the purchase price.
- Disbursements : these are the costs that the notary must advance on behalf of the buyer, such as the costs related to obtaining administrative or legal documents necessary for the transaction.
Fees vary depending on the type of property
Notary fees differ depending on whether the property is new or old. For an older property, the fees can reach 7 to 8 million euros, while for a new property, they are generally reduced to 2 to 3 million euros. This variation is explained by the absence of certain transfer taxes when purchasing a new property.
Negotiating fees
Although most fees are fixed and non-negotiable, there is some flexibility regarding the notary's fees. Since 2021, a notary can offer a discount of up to 20% on their fees for transactions exceeding €150,000.
