What are the costs to pay to sell an apartment or a house?

Agency fees

If you intend to sell your apartment or your house by calling on a real estate agency-maybe you recommended one, in your neighborhood!You must plan the agency fees that you will have to pay, at the end of the sale, the day of the signing of the authentic act at the notary.It is most often a percentage linked to the sale price, which varies between 4 and 10 %.Do not hesitate to negotiate the amount of these costs if you opt for an exclusive mandate with the agency.Also think of real estate neo-agencies, which offer a fixed rate, in the form of a package.

As a reminder, this is the sales mandate that must indicate to the agency fees: the seller, or the buyer.You decide.If you are committed to paying them, you can then deduct these capital gain on real estate fees;If you prefer to free yourself from this expense, the buyer, will take care of it but will have to pay taxes on an amount including the agency commission.

Diagnostic costs

Real estate selling costs also include compulsory real estate diagnostics for the sale of a property: DPE, state of risks and pollution, living space, lead, asbestos, gas, gas.The prices are freely set by providers and from one city to another, prices may vary from single to double, or even triple.

According to a survey by Flatlooker, digital real estate agency, "the pack comprising the 7 compulsory diagnostics varies according to the cities: Bordeaux turns out to be the least expensive city with an offer at € 152.9 to establish compulsory diagnoses.Comes in second position, Marseille with a pack up to € 179.4.In third place, we find Paris with an average of € 182.2 for the realization of diagnostics.Lyon then arrives with € 188.3.The last three cities and the most expensive are: Toulouse (€ 190.5), Lille (€ 194) and Rouen (€ 316.5) ».

The costs of co -ownership documents

Document sent to the future buyer by the notary, the dated state is a photograph of the accounting situation of the seller's co-owner at the time of its realization, but also possible claims of the co-owner vis-à-vis the co-ownership.Developed by the trustee, this document has been a lot disputed due to the rates imposed sometimes very high.According to the National Consumer Institute, in 2019, the average price of a dated state was 598 euros.In some trustees, the bill could even reach 1,200 euros.A significant real estate sale costs!But good news, since June 1, 2020, the amount of the dated state can no longer be billed beyond € 380 to the owner selling his property in co-ownership.

Early repayment allowances (IRA)

If you decide to reimburse your credit in advance, you will have to pay costs to your bank: early repayment allowances (IRA), which will then be added to other selling costs.Framed and capped by the Consumer Code, the amount of IRAs cannot exceed 3 % of the remaining capital due and an interest semester on the amount reimbursed.Do not hesitate to contact your bank advisor to get an idea of the amount of your early reimbursement allowances.It may also happen that inter -lap interests are charged.

Facerous situations exist, however, to be exempt from early reimbursement allowances: if you sell your apartment or your home due to a change in the place of exercise of the activity concerning or concerning your spouse;If you or your spouse deceive;or if you are, one or the other, victims of a dismissal.

What taxes when selling real estate?

If you sell your property more expensive than you bought it, you realize what is called real estate capital gain that may be taxed.An exemption can apply if it is the sale of your main residence or if the property has been in your possession for more than 30 years.Otherwise, the tax is made up of a 19 % tax tax and a set of social security contributions representing 17.2 %, a total of 36.2 %.The rate of reduction applicable each year of detention will be, from 6th to 21st year, 6 % on the tax and 1.65 % on social security contributions.When the 22nd year is over, rates will be 4 % and 1.60 % respectively.And beyond the 22nd year, an exemption will be applied for income tax while the rate will be 9 % for social security contributions.