€475,000 Property Transfer Tax & Mortgage in Hauts-de-France (Lille) (2026)
Purchasing a €475,000 residential property in Hauts-de-France (Lille), France incurs €27,550 in Frais de Notaire & Droits d'Enregistrement plus €8,075 in notary and land registry fees. With a 20% deposit (€95,000) and a 25-year mortgage at 3.55%, your monthly payment is €1,913/month.
Monthly Mortgage (25Y)
€1,913/mo
Loan: €380,000 @ 3.55%
Property Transfer Tax
€27,550
Frais de Notaire & Droits d'Enregistrement
Notary & Registry
€8,075
Total Closing: €35,625
Total Cash Needed
€130,625
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €475,000 |
| Frais de Notaire & Droits d'Enregistrement (5.80%) | €27,550 |
| Notary & Land Registry Fees | €8,075 |
| Total Non-Recoverable Closing Costs | €35,625 |
| 20% Down Payment (Deposit) | €95,000 |
| Total Upfront Cash Required at Closing | €130,625 |
| Mortgage Principal Financed (80% LTV) | €380,000 |
| Monthly Principal & Interest (25 Years @ 3.55%) | €1,912.57 / month |
| Total Interest Over 25 Years | €193,772 |
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