Total acquisition cost

Added to the purchase price: registration fees (3% to 12.5%), notary fees (1% to 2%), bank fees (file + appraisal: 500 to 1,500 EUR), remaining balance insurance.

Plan 12% to 18% on top of the purchase price in Wallonia/Brussels, and 6% to 10% in Flanders thanks to the reduced 3% rate.

File fees (300 to 800 EUR) and appraisal fees (200 to 500 EUR) are partially negotiable. Compare offers from multiple banks.