Don’t miss these tips to save thousands of euros

The acquisition of properties is a significant investment, but often the commissions for notions are an additional underestimated burden. Whether you are an initial or expert investor, reducing these costs can allow significant to save. Find out how to optimize real estate purchase by minimizing commissions for notaries.

Understand the notary’s commissions: a key step

Commissions for notions, also called Acquisition commissionsthey include several elements. Contrary to what one might think, the notary maintains only a small part of these costs, about 10%. The majority, almost 80%, corresponds to Transfer rightsIn other words, the taxes donated to the state and local authorities.

Even the commissions for the notary vary according to the type of properties you buy. For Old accommodationthey oscillate between 7% and 8% of the purchase price. For New accommodationbenefit from a rate reduced from 2% to 3%. It is this difference that makes the first great opportunity for the economy for buyers.

When and how to pay taxes for notions?

Notary commissions must be paid at the time of signing the authentic act, officially marking the transfer of ownership. These costs, which include taxes, taxes for notions and disbursements, are therefore a must to finalize the transaction.

THE disbursement represent 10% of the amount of the noticed commissions. These are the sums that the notary forwards to obtain mandatory documents such as cadastre, plans or extracts from urban planning acts. Although incomplete, these costs can be better foreseen with meticulous planning.

Buy in new: The economy lever

You intend to buy a New accommodation ? This is excellent news for your notary’s commissions. In fact, the costs related to the purchase of a new property are significantly lower than an old asset. This reduction is due to a tax of Earth advertising Much lower in the new, often less than 1%, against almost 6% for the old one.

Make a concrete example: for the purchase of an apartment for € 240,000, the notary commissions in the old amount to € 16,800 and € 19,200. For a new property, these costs will be reduced to a range of 4,800 € to € 7,200, a potential savings of € 12,000. A significant difference that can influence your purchase decision.

Negotiation costs: a reduction of up to 20% on emoluments

If most of the notary’s taxes are made up of incompressible taxes, it remains possible negotiate emoluments of the notary. From the 2016 Macron LawNotaries can grant a reduction up to 20% On their commissions, provided that the amount of the transaction has exceeded € 100,000.

The greater the transaction, the more the notary will be inclined to give you a discount. To maximize your possibilities, do not hesitate to Consult several notaries To compare the offers and find what will be ready to do a commercial gesture. Also remember to mention the possibility of working on other future projects with the same notary to strengthen your position during negotiation.

Distinguish the furniture from the property

Another advice to reduce the notary’s commissions concerns the Device of equipment. If the property that purchases is provided or contains specific equipment (equipped kitchen, appliances, etc.), it is possible to dissociate the value of these elements from the price of the property. This allows you to reduce the plate for the calculation of the commissions for notions, which apply only to the real estate of the property.

Take the example of a house sold for € 270,000, including € 12,000 in equipment. The notary will calculate its costs on a base of € 258,000, thus generating savings of almost € 1,000.

Pay for agency taxes separately to lighten the note

Another small suggestion is of separate selling price. If you pass through a real estate agency, keep in mind that these costs can be excluded from the base for calculating the notary’s commissions. However, to exploit this reduction, it is essential that the The specific sale mandate that the Agency’s commissions are borne by the buyer.

This also implies that agency taxes are paid separately from the purchase price of the property, which requires the liquidity necessary to pay these costs live. If this method is applied correctly, it can allow to obtain substantial savings.

Some conditions to check:

• The sales mandate must establish that the Agency’s commissions are borne by the buyer.
• The compromise of sales must distinguish the price of the net seller and the agency commissions.
• The regulation of agency taxes must be performed separately.

These simple precautions can prevent you from paying unnecessary additional costs.

Maximize your real estate investment thanks to simple suggestions

Reduce Commissions for notary It is an approach accessible to everyone, whether it is a new or old purchase. By negotiating the notary’s emoluments, distinguishing the value of the furniture or by paying the agency costs separately, it is possible to considerably reduce the total cost of the acquisition. These suggestions are all the more crucial if you are For the first time OR regular investorbecause they can improve your investment capacity or facilitate the financing of future real estate projects.

Don’t forget, every detail matters when you are looking for it Optimize your budget for Make a good real estate investment. By applying these suggestions, you will put all the probability on your side to be successful in the purchase while you save where it often seems impossible.

Do not hesitate to share this article with your loved ones or ask your questions in the comments. Do not leave others in ignorance: these suggestions can change their way of approaching the purchase of properties!