When buying a house in the Netherlands, the term kosten koper refers to the additional costs the buyer is responsible for on top of the purchase price. These buyer’s costs typically include:
- Transfer tax (overdrachtsbelasting)
- Notary fees for the deed of transfer and mortgage deed
- Mortgage arrangement fees (also called closing costs)
- Valuation (appraisal) costs
- Estate agent commission, if you’ve hired a buyer’s agent
These costs are not included in the listed purchase price, so it’s important to factor them into your budget when purchasing a property. On average, kosten koper amounts to around 5–6% of the purchase price.
Want help understanding your total costs when buying a home in Amsterdam? Get in touch with our experienced buying agents for a detailed, transparent overview.