Guides
Everything you want to know before you make an offer, in plain English.
The association
Housing company finances and share of the company loan: how to read whether the company is sound (2026)
Debt-free price = sale price + share of the company loan. Read the loan share, the charge split and the manager’s certificate before an offer, so you know what the home really costs per month.
Pipe renovation: when it comes and what it costs (2026)
A pipe renovation costs roughly 600-1,200 e/m2 and comes due at 40-50 years of age. Here is how to see whether it is decided, coming, or already done, before you make an offer.
Money and costs
How much mortgage can you get? (2026)
The LTV cap is 90% (95% for a first home), so you need about 10% of your own money (around 5% for a first home), and the bank stress-tests your loan at 6%. Here is how the maths works.
Transfer tax when buying a home: 1.5 or 3 percent and when you pay (2026)
The transfer tax is 1.5% on a housing-company share and 3% on real property. The first-home exemption ended in 2024, so budget the tax into every purchase.
What does owning a home really cost per month? (2026)
A 60 m² apartment on a 180,000 euro loan runs about 1,800 euro a month at a 6% stress rate. See how interest, repayment, maintenance charge and insurance add up for any home.
The process
Buying a home step by step: from loan promise to ownership (2026)
The right order: loan promise, offer, condition inspection, deed and payment, transfer tax, registration. This is how you avoid a binding mistake.
Buying a home together: cohabitation, marriage and ownership shares (2026)
In cohabitation a home divides by ownership, not automatically in half. Record fractional shares in the deed to match your contributions and put the agreements in writing.