€1,300,000 Property Transfer Tax & Mortgage in Île-de-France (Paris) (2026)
Purchasing a €1,300,000 residential property in Île-de-France (Paris), France incurs €75,400 in Frais de Notaire & Droits d'Enregistrement plus €22,100 in notary and land registry fees. With a 20% deposit (€260,000) and a 25-year mortgage at 3.55%, your monthly payment is €5,234/month.
Monthly Mortgage (25Y)
€5,234/mo
Loan: €1,040,000 @ 3.55%
Property Transfer Tax
€75,400
Frais de Notaire & Droits d'Enregistrement
Notary & Registry
€22,100
Total Closing: €97,500
Total Cash Needed
€357,500
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €1,300,000 |
| Frais de Notaire & Droits d'Enregistrement (5.80%) | €75,400 |
| Notary & Land Registry Fees | €22,100 |
| Total Non-Recoverable Closing Costs | €97,500 |
| 20% Down Payment (Deposit) | €260,000 |
| Total Upfront Cash Required at Closing | €357,500 |
| Mortgage Principal Financed (80% LTV) | €1,040,000 |
| Monthly Principal & Interest (25 Years @ 3.55%) | €5,234.42 / month |
| Total Interest Over 25 Years | €530,325 |