€600,000 Property Transfer Tax & Mortgage in North Holland (Amsterdam) (2026)
Purchasing a €600,000 residential property in North Holland (Amsterdam), Netherlands incurs €12,000 in Overdrachtsbelasting (2% Owner-Occupied) plus €2,800 in notary and land registry fees. With a 20% deposit (€120,000) and a 25-year mortgage at 3.80%, your monthly payment is €2,481/month.
Monthly Mortgage (25Y)
€2,481/mo
Loan: €480,000 @ 3.80%
Property Transfer Tax
€12,000
Overdrachtsbelasting (2% Owner-Occupied)
Notary & Registry
€2,800
Total Closing: €14,800
Total Cash Needed
€134,800
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €600,000 |
| Overdrachtsbelasting (2% Owner-Occupied) (2.00%) | €12,000 |
| Notary & Land Registry Fees | €2,800 |
| Total Non-Recoverable Closing Costs | €14,800 |
| 20% Down Payment (Deposit) | €120,000 |
| Total Upfront Cash Required at Closing | €134,800 |
| Mortgage Principal Financed (80% LTV) | €480,000 |
| Monthly Principal & Interest (25 Years @ 3.80%) | €2,480.91 / month |
| Total Interest Over 25 Years | €264,273 |
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