transfer taxes, notary fees, registration fees ... The cost of purchasing a property, sometimes wrongly called "legal fees" cover of very distinct realities. Who benefits? And how are they calculated? All answers in this folder with LaVieImmo.com.
the transaction costs are unavoidable in a real estate transaction. You feel that the notary takes the biggest slice of the pie? Not so sure ! The state, the community and stakeholders receive when selling their share of the transaction amount. The emoluments payable to notaries are only part of the costs incurred. Preview to navigate.
What do the "notary fees"?
They are composed of taxes and tax ...
The Treasury receives registration fees and land registration tax, which is 5.09 to 5.81% of the selling price for an existing dwelling, and 0.71% for new housing, according to the notaries of Paris.
- For the sale of old housing: The department collects registration fees which are now 4.5% for almost all departments, including Paris as of 1 January 2016 to 87 departments. Only Isere, Morbihan, Indre and Mayenne maintained their 3.8%. The additional fee goes to benefit the common (1.20%), the cost of assessment and collection of 2.37% are in state pockets.
- For the sale of a new home: The sale is subject to VAT of 20%, land registration tax at the rate of 0.70%, and the cost of assessment and collection of 2.14% the advertising tax.
various stakeholders and documents used at a cost. The notary committed to it charges to his name, called the "disbursed" to pay for planning documents, surveyors, experts and the registrar of mortgages for example. At the signing, the customer "reimburse" then the notary of the progress of these costs.
In disbursements, there is the contribution to real security, mortgage status (document that registrations made on a building), planning documents, costs related to cadastre, surveyor fees and charges act (tax stamps and administrative fees).
... and finally emoluments
The remuneration of notaries for sale is calculated for each type of act they spend, what is generally called the emoluments.
The selling fees : proportional to the selling price, they are based on price range, applying a declining percentage.
0 up to € 6500: 4%
Beyond 6500 € to 17,000 € 1.65%
Beyond 17,000 € to 60,000 €: 1.10%
Beyond 60 000 €: 0.825%
The fixed compensation: they are used to compensate the notary for the various procedures it performs, and are calculated on the basis of a value unit (UV) which is currently 3,90 €. For example, a vital piece of application costs 3 UV 10 UV purging the pre-emption. The pricing of a copy of an act varies between 0.1 and 0.3 by UV page.
The trading fees: they are due when, pursuant to a written mandate, the lawyer finds a buyer. These fees are 5% to 45 735 € HT and 2.50% HT beyond, according to the decree of 8 March 1978. They can be freely discussed between the lawyer and his client.
Transaction fees: In case of dispute, the notary participates in the meeting of the two p Artis -2130 / "> Artisand obtaining their agreement are calculated in the same way that the proportional emoluments..
Who pays ?
Acquisition costs are the responsibility of the purchaser, which follows from Article 1593 of the Civil Code. They represent 7 to 8% of the sales price for an existing dwelling, and 2 to 3% for a new home. However, the seller may agree to pay them. In this case, the price is called a "deed in hand" or "contract",.
fees, you need to remember:
notaries fees cover many types of expenditures related to the purchase of a property:
- 1 - The state and the local community receive 5.09 to 5.81% of the selling price of an old housing, according to the notaries of Paris, 8 / 10th of acquisition costs.
- 2 - The notary rule on behalf of his client, other professionals or certain government interventions; we speak of "disbursements". (1 / 10th)
- 3 - The notary receives emoluments. According notaries in France, the notary's remuneration represents about 1.33% of the selling price. (1 / 10th)