Who pays what
The local tax is the buyer by law. The notary, registration and copies are often negotiated. If the seller takes one, mark Seller on that line.
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A full purchase or sale breakdown: who pays, when, and where the money goes.
Tap Buyer or Seller if you agreed differently on who pays what.
The local tax is the buyer by law. The notary, registration and copies are often negotiated. If the seller takes one, mark Seller on that line.
Negotiate the price. Every euro you take off also cuts the tax and the notary, because they are charged on the price. Offering below the tax assessment does not lower the fee. It is charged on whichever is higher.
Half a point on a long loan is thousands of euro. Ask several of the main banks, not only the one that pays your salary.
Compare offers from the banksAsk whether the notary is VAT registered. The 20% is added to the fee only then. The switch is under Taxes and details.
The deposit is not an extra cost. It comes off the price. Agree an amount that does not lock your money before the bank approves the loan.
A commercial property is financed as a company loan, not a housing loan. The average rate on new company loans up to 1 million euro is 4.21% (BNB, July 2026). If the seller is a company, ask about VAT before you pay a deposit.
The buyer may ask you to pay the notary or another line. Price it here before you agree. A price cut and a cost you take on are not the same thing.
One home after more than 3 years, and up to two properties after more than 5 years, are often exempt. If the sale is taxed, 10% of the gain weighs more than a small price cut. If the deadline is close, waiting can be worth it.
If the buyer needs a loan, the bank values the property. A price far above that valuation slows or stops the deal. A clear price saves a last-day discount.
A deal with a loan depends on the bank offer. If the buyer is not approved yet, a few offers save time for both of you.
The buyer has no loan yet?The local tax is the buyer by law. In practice the buyer also pays the notary, VAT and registration, unless you agree otherwise.
On the higher of the deed price and the tax assessment. If you leave the assessment empty, we use the price.
The municipality sets it between 0.1% and 3%. Sofia, Plovdiv, Varna and Burgas are at 3%.
One home after more than 3 years, and up to two properties after more than 5 years, are exempt. Otherwise the tax is 10% of the income after a 10% statutory allowance.
No. It is usually 10% of the price and is deducted from it at the notary.
Yes. Every line can be edited. A fresh visit without your link changes restores the defaults.
A guide, not a quote from a notary or a bank. Checked on 24.09.2026.
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