€175,000 Property Transfer Tax & Mortgage in Hauts-de-France (Lille) (2026)
Purchasing a €175,000 residential property in Hauts-de-France (Lille), France incurs €10,150 in Frais de Notaire & Droits d'Enregistrement plus €2,975 in notary and land registry fees. With a 20% deposit (€35,000) and a 25-year mortgage at 3.55%, your monthly payment is €705/month.
Monthly Mortgage (25Y)
€705/mo
Loan: €140,000 @ 3.55%
Property Transfer Tax
€10,150
Frais de Notaire & Droits d'Enregistrement
Notary & Registry
€2,975
Total Closing: €13,125
Total Cash Needed
€48,125
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €175,000 |
| Frais de Notaire & Droits d'Enregistrement (5.80%) | €10,150 |
| Notary & Land Registry Fees | €2,975 |
| Total Non-Recoverable Closing Costs | €13,125 |
| 20% Down Payment (Deposit) | €35,000 |
| Total Upfront Cash Required at Closing | €48,125 |
| Mortgage Principal Financed (80% LTV) | €140,000 |
| Monthly Principal & Interest (25 Years @ 3.55%) | €704.63 / month |
| Total Interest Over 25 Years | €71,390 |