01What costs does a seller have?
Fewer than you might think: the notary and the taxes on the deed are paid by the buyer. The seller pays the agency, the documents and, in some cases, capital gains tax.
Usually 3% to 4% of the price, plus VAT, if the sale goes through an agency.
Energy performance certificate, land registry extracts and floor plans: usually a few hundred euros.
If the home does not match the floor plans, fixing it can cost from a few hundred to a few thousand euros.
The remaining debt is repaid at completion from the price; for a home there are no penalties and cancelling the mortgage registration is free.
02When is capital gains tax due?
Only if you sell within 5 years of buying and make a gain on what you spent. It is not due if the home was your main residence for most of the time, or if you inherited it.
The gain is the sale price minus the purchase price and documented costs: purchase taxes and notary, works that increased the value. You can pay 26% as a substitute tax withheld by the notary, or include it in your income tax return. For a home received as a gift, the 5 years run from the donor’s purchase.
03What if I carried out Superbonus works?
In that case the period becomes 10 years from the end of the works, unless the home was inherited or was your main residence for most of the time.
The gain is calculated under special rules: the calculator flags it, but the amount should be checked with an accountant.
04How to keep more?
An overpriced property sits on the market and ends up selling for less.
An irregularity found during negotiation costs time and bargaining power.
If you also need to buy, sale and purchase should be planned together.
Viewings, negotiation and completion handled by the same person, even if you live far away.
Indicative estimate under the rules in force in 2026. It does not include the year’s IMU, building fee arrears or special cases. Tax aspects should be checked with a notary or accountant.