€1,050,000 Property Transfer Tax & Mortgage in Hauts-de-France (Lille) (2026)
Purchasing a €1,050,000 residential property in Hauts-de-France (Lille), France incurs €60,900 in Frais de Notaire & Droits d'Enregistrement plus €17,850 in notary and land registry fees. With a 20% deposit (€210,000) and a 25-year mortgage at 3.55%, your monthly payment is €4,228/month.
Monthly Mortgage (25Y)
€4,228/mo
Loan: €840,000 @ 3.55%
Property Transfer Tax
€60,900
Frais de Notaire & Droits d'Enregistrement
Notary & Registry
€17,850
Total Closing: €78,750
Total Cash Needed
€288,750
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €1,050,000 |
| Frais de Notaire & Droits d'Enregistrement (5.80%) | €60,900 |
| Notary & Land Registry Fees | €17,850 |
| Total Non-Recoverable Closing Costs | €78,750 |
| 20% Down Payment (Deposit) | €210,000 |
| Total Upfront Cash Required at Closing | €288,750 |
| Mortgage Principal Financed (80% LTV) | €840,000 |
| Monthly Principal & Interest (25 Years @ 3.55%) | €4,227.80 / month |
| Total Interest Over 25 Years | €428,339 |