€175,000 Property Transfer Tax & Mortgage in Overijssel (Enschede) (2026)
Purchasing a €175,000 residential property in Overijssel (Enschede), Netherlands incurs €3,500 in Overdrachtsbelasting (2% Owner-Occupied) plus €2,800 in notary and land registry fees. With a 20% deposit (€35,000) and a 25-year mortgage at 3.80%, your monthly payment is €724/month.
Monthly Mortgage (25Y)
€724/mo
Loan: €140,000 @ 3.80%
Property Transfer Tax
€3,500
Overdrachtsbelasting (2% Owner-Occupied)
Notary & Registry
€2,800
Total Closing: €6,300
Total Cash Needed
€41,300
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €175,000 |
| Overdrachtsbelasting (2% Owner-Occupied) (2.00%) | €3,500 |
| Notary & Land Registry Fees | €2,800 |
| Total Non-Recoverable Closing Costs | €6,300 |
| 20% Down Payment (Deposit) | €35,000 |
| Total Upfront Cash Required at Closing | €41,300 |
| Mortgage Principal Financed (80% LTV) | €140,000 |
| Monthly Principal & Interest (25 Years @ 3.80%) | €723.60 / month |
| Total Interest Over 25 Years | €77,080 |