These are the purchasing costs that need to be paid on top of the agreed purchase price to become owner of the property. These are the transfer tax and notarial charges for the deed of transfer. There may also be additional costs for the buyer, such as fees for mortgage advice, buying agent services, a structural survey of the property, NHG (National Mortgage Guarantee Scheme) application, bank guarantee, property valuation etc.
Make sure you have a good overview of all the additional costs in your situation as these can often amount to several thousand euros. These additional costs can no longer be financed as part of the mortgage. This means you’ll need to pay them out of your own money. A large portion of these ‘kosten koper’ is tax-deductible, however. You should assume 4% to 6% of the agreed purchase price for these additional costs.