Understanding acquisition costs in Monaco is essential for any real estate investor. Whether you’re purchasing as an individual, through a company, or investing in a new development, being aware of the different cost structures helps you avoid surprises and make smarter financial decisions.
🏠 Acquisition costs in Monaco for individuals and local companies
If you’re buying as a private individual or through a civil company registered in Monaco, expect to pay 4.75% of the property price in registration duties, and 1.5% in notary fees. That brings the total acquisition cost to 6.25% of the property’s value. This is the standard rate for most local buyers and remains the most straightforward option. You can consult Monaco’s official property guidelines for more details./p>
🏗️ Reduced acquisition costs in Monaco for new or off-plan properties
For new builds or properties under construction (commonly known as VEFA), the acquisition costs in Monaco are significantly lower. Registration duties drop to 1%, while notary fees remain at 1.5%, for a total cost of only 2.5%. This makes new or off-plan purchases an attractive option from a tax perspective. You can read more about these opportunities on Monaco’s real estate portal./p>
🌍 Higher acquisition costs in Monaco for foreign and offshore companies
When a property is acquired through an offshore or foreign company, the cost structure changes. Registration duties jump to 10%, with 1.5% in notary fees, bringing the total to 11.5% of the purchase price. This higher rate is designed to discourage speculative or opaque investment structures and promote local ownership./p>
🏡 Real estate agency fees and why acquisition cost planning matters
In addition to purchase taxes, Monaco real estate agencies typically charge a 3% fee on the sale price, plus 20% VAT, totaling 3.6%. Properly understanding acquisition costs in Monaco allows buyers to budget with clarity, avoid hidden fees, and better evaluate investment returns. Whether you’re investing as a resident or company, cost transparency is key to making an informed purchase./p>
📩 Want personalized guidance for your property purchase? Contact Findr. by Interalia — we’ll help you navigate Monaco’s real estate landscape with precision and confidence.
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