€500,000 Property Transfer Tax & Mortgage in Gelderland (Arnhem & Nijmegen) (2026)
Purchasing a €500,000 residential property in Gelderland (Arnhem & Nijmegen), Netherlands incurs €10,000 in Overdrachtsbelasting (2% Owner-Occupied) plus €2,800 in notary and land registry fees. With a 20% deposit (€100,000) and a 25-year mortgage at 3.80%, your monthly payment is €2,067/month.
Monthly Mortgage (25Y)
€2,067/mo
Loan: €400,000 @ 3.80%
Property Transfer Tax
€10,000
Overdrachtsbelasting (2% Owner-Occupied)
Notary & Registry
€2,800
Total Closing: €12,800
Total Cash Needed
€112,800
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €500,000 |
| Overdrachtsbelasting (2% Owner-Occupied) (2.00%) | €10,000 |
| Notary & Land Registry Fees | €2,800 |
| Total Non-Recoverable Closing Costs | €12,800 |
| 20% Down Payment (Deposit) | €100,000 |
| Total Upfront Cash Required at Closing | €112,800 |
| Mortgage Principal Financed (80% LTV) | €400,000 |
| Monthly Principal & Interest (25 Years @ 3.80%) | €2,067.43 / month |
| Total Interest Over 25 Years | €220,228 |
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