€1,300,000 Property Transfer Tax & Mortgage in Friesland (Leeuwarden) (2026)
Purchasing a €1,300,000 residential property in Friesland (Leeuwarden), Netherlands incurs €26,000 in Overdrachtsbelasting (2% Owner-Occupied) plus €2,800 in notary and land registry fees. With a 20% deposit (€260,000) and a 25-year mortgage at 3.80%, your monthly payment is €5,375/month.
Monthly Mortgage (25Y)
€5,375/mo
Loan: €1,040,000 @ 3.80%
Property Transfer Tax
€26,000
Overdrachtsbelasting (2% Owner-Occupied)
Notary & Registry
€2,800
Total Closing: €28,800
Total Cash Needed
€288,800
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €1,300,000 |
| Overdrachtsbelasting (2% Owner-Occupied) (2.00%) | €26,000 |
| Notary & Land Registry Fees | €2,800 |
| Total Non-Recoverable Closing Costs | €28,800 |
| 20% Down Payment (Deposit) | €260,000 |
| Total Upfront Cash Required at Closing | €288,800 |
| Mortgage Principal Financed (80% LTV) | €1,040,000 |
| Monthly Principal & Interest (25 Years @ 3.80%) | €5,375.31 / month |
| Total Interest Over 25 Years | €572,592 |