Volledige hypothecaire lening, behalve notariskosten
Kleine concreet voorbeeld:
| Mortgage loan at 100% | – Land | 75.000,00 € |
| – VAT on Land (*) | 15.750,00 € | |
| – Building VTA excluded | 173.553,72 € | |
| – VAT on building | 36.446,28 € | |
| – Architect’s fees VAT included | 10.500,00 € | |
| – Junctions | 3.500,00 € | |
| 314.750,00 € |
| Customer expenses | – Natory fees | 3.933,91 € |
| – Bank file fees | 400,00 € | |
| – Loan fees | 7.932,82 € | |
| 12.266,73 € |
In summary, with a contribution less then 13.000 €, you can offer yourselves a new construction of 314.750 €, all expenses included (Land, Vat on land, Building, Vat on building, Architect, Junctions)
(*) Under VAT if seller = same seller as seller of the building.