€200,000 Property Transfer Tax & Mortgage in South Holland (Rotterdam & The Hague) (2026)
Purchasing a €200,000 residential property in South Holland (Rotterdam & The Hague), Netherlands incurs €4,000 in Overdrachtsbelasting (2% Owner-Occupied) plus €2,800 in notary and land registry fees. With a 20% deposit (€40,000) and a 25-year mortgage at 3.80%, your monthly payment is €827/month.
Monthly Mortgage (25Y)
€827/mo
Loan: €160,000 @ 3.80%
Property Transfer Tax
€4,000
Overdrachtsbelasting (2% Owner-Occupied)
Notary & Registry
€2,800
Total Closing: €6,800
Total Cash Needed
€46,800
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €200,000 |
| Overdrachtsbelasting (2% Owner-Occupied) (2.00%) | €4,000 |
| Notary & Land Registry Fees | €2,800 |
| Total Non-Recoverable Closing Costs | €6,800 |
| 20% Down Payment (Deposit) | €40,000 |
| Total Upfront Cash Required at Closing | €46,800 |
| Mortgage Principal Financed (80% LTV) | €160,000 |
| Monthly Principal & Interest (25 Years @ 3.80%) | €826.97 / month |
| Total Interest Over 25 Years | €88,091 |
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