The purchase of properties has never been simple, but from April 1, 2025 to unpleasant surprise Wait for buyers in many French departments. The increase in taxes for the notary, voted in several departmental advice, increases the final account and shake many projects. If you thought you will take advantage of spring to sign your compromise calmly, it is urgent to review your plans.
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Scheco della Notary as: which has changed from April 1, 2025
From 1 April 2025, the rate of transfer duties for consideration (DMTO), often confused with notary taxes, has risen to different departments. So far limited to 4.5 %, now it reaches 5 % in the areas concerned. A difference that may seem minimal on paper, but which represents several thousand euros on a real estate purchase.
Departmental advice justify this increase in the need to compensate for the decline of state grants. For buyers, the impact is immediate: the increase in the overall budget, the additional costs explode and the financial equation become more tense. A situation that falls badly in a context in which the mortgage remains under pressure despite the slight rate.
Real estate professionals fear that this measure will slow down the dynamics of real estate purchase in certain areas. Faced with this “unpleasant surprise”, it is more than essential to learn the department for department before launching a new acquisition.
Here is the map of the departments in which the purchase costs more
Through France, 23 departments have voted for the increase in transfer rights applicable since the beginning of April. Here is a clear overview of the situation:
| Department | Old rate | New rate |
|---|---|---|
| Paris (75) | 4.5 % | 5 % |
| Rodano (69) | 4.5 % | 5 % |
| Seine-Et-Marne (77) | 4.5 % | 5 % |
| Haute-Garonne (31) | 4.5 % | 5 % |
| Chante-Maritime (17) | 4.5 % | 5 % |
| (and others …) | … | … |
Great agglomerations such as Paris, Lyon or Toulouse are directly affected, which increases the cost of already sensitive projects a bit. This concerns both those who wish to buy a villa and those who target an apartment in the city center.
And be careful, this list could still lie down in the coming months, with other departments that plan to apply the same increase by summer 2025.
Buyers for the first time: puffs of oxygen … in conditions
Everything is not black for everyone. The 2025 financial law provided for a partial exemption for buyers for the first time. If you buy your first main residence for less than € 250,000, you will escape this increase, provided that you take up the property for at least five years.
This measure wants to avoid a total market block for young buyers. However, for many, crossing the phases of the mortgage and mutual insurance remains a scattered path of pitfalls. Not to mention the additional puzzle to effectively compare loan insurance.
In this context, the use of a mortgage comparator becomes an essential reflection to keep his hand on the budget. Those who have already finalized the purchase of a house or signed to buy an apartment before April 1 improve … for others, time is vigilance.
Real estate agents: a decisive role in the reassuring buyers
Real estate agents are on the front line to accompany sellers and buyers in this new agreement. Their mission? Inform with precision, reassure and help budgets of these additional expenses without dramatizing.
Concrete, this involves precise simulations and support in the procedures to purchase a main residence or finalize a real estate purchase in good condition. They must also follow the local ads closely: some departments can offer further discounts or exemptions in the coming weeks.
Don’t worry: even if the addition is climbed, the desire to buy an apartment or to settle in an detached house remains strong. Now it is a question of better anticipating his loans not to be braked at the last moment.
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What do you think of this increase? Will you change your real estate projects because of these new costs? Tell us in the comments and share this article around you!
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