€450,000 Property Transfer Tax & Mortgage in Île-de-France (Paris) (2026)
Purchasing a €450,000 residential property in Île-de-France (Paris), France incurs €26,100 in Frais de Notaire & Droits d'Enregistrement plus €7,650 in notary and land registry fees. With a 20% deposit (€90,000) and a 25-year mortgage at 3.55%, your monthly payment is €1,812/month.
Monthly Mortgage (25Y)
€1,812/mo
Loan: €360,000 @ 3.55%
Property Transfer Tax
€26,100
Frais de Notaire & Droits d'Enregistrement
Notary & Registry
€7,650
Total Closing: €33,750
Total Cash Needed
€123,750
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €450,000 |
| Frais de Notaire & Droits d'Enregistrement (5.80%) | €26,100 |
| Notary & Land Registry Fees | €7,650 |
| Total Non-Recoverable Closing Costs | €33,750 |
| 20% Down Payment (Deposit) | €90,000 |
| Total Upfront Cash Required at Closing | €123,750 |
| Mortgage Principal Financed (80% LTV) | €360,000 |
| Monthly Principal & Interest (25 Years @ 3.55%) | €1,811.91 / month |
| Total Interest Over 25 Years | €183,574 |
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