€1,150,000 Property Transfer Tax & Mortgage in Zeeland (Middelburg) (2026)
Purchasing a €1,150,000 residential property in Zeeland (Middelburg), Netherlands incurs €23,000 in Overdrachtsbelasting (2% Owner-Occupied) plus €2,800 in notary and land registry fees. With a 20% deposit (€230,000) and a 25-year mortgage at 3.80%, your monthly payment is €4,755/month.
Monthly Mortgage (25Y)
€4,755/mo
Loan: €920,000 @ 3.80%
Property Transfer Tax
€23,000
Overdrachtsbelasting (2% Owner-Occupied)
Notary & Registry
€2,800
Total Closing: €25,800
Total Cash Needed
€255,800
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €1,150,000 |
| Overdrachtsbelasting (2% Owner-Occupied) (2.00%) | €23,000 |
| Notary & Land Registry Fees | €2,800 |
| Total Non-Recoverable Closing Costs | €25,800 |
| 20% Down Payment (Deposit) | €230,000 |
| Total Upfront Cash Required at Closing | €255,800 |
| Mortgage Principal Financed (80% LTV) | €920,000 |
| Monthly Principal & Interest (25 Years @ 3.80%) | €4,755.08 / month |
| Total Interest Over 25 Years | €506,524 |