3,000 euros that disappear or stay safe in your account, that’s the kind of gap that can arise from the simple difference between purchasing land for construction under a CCMI and acquiring an existing property. Here, there are no shadow games or obscure rules, but a well-oiled tax mechanism that sometimes reserves serious surprises for those who venture into it unprepared.
In the case of new construction, the payment of notary fees is organized in two stages: first during the purchase of the land, then at the moment the construction contract comes into play. This splitting is not just a minor administrative detail: it precisely determines the budget to be planned and can disrupt your calculations depending on the configuration of your project or the legal options chosen.
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Understanding notary fees in new construction: what really changes
Committing to a new house by choosing a individual house construction contract (CCMI) forces a reevaluation of traditional benchmarks. notary fees for new construction are never calculated on the total cost, but only on the price of the land for construction. This choice is dictated by regulations and makes all the difference for the buyer. While construction is subject to VAT and falls outside the notary’s scope, it is completely excluded from the calculation base for fees. The portion allocated to the house does not therefore appear in the bill presented by the notary’s office.
To guide you concretely, the fees payable to the notary are divided into three distinct categories:
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- Transfer duties (0.715% of the value of the land),
- Property advertising tax,
- Real estate security contribution (0.10%).
Additionally, there are the notary’s fees, which are set based solely on the price of the land. At no point does the projected house influence the amount requested: this difference from other real estate transactions should be integrated from the start into your planning.
French practice imposes a clear boundary between land and built property: the notary’s mission is limited to the land. The CCMI structure entrusts the management of construction to the builder, and the VAT on this aspect no longer concerns the notary’s office. This arrangement clarifies the sharing of costs and allows for precise budget management from the early stages.
CCMI: why the construction contract influences the amount of notary fees?
Adopting an individual house construction contract (CCMI) changes the game for notary fees related to your new house. This highly regulated framework formally separates the acquisition of the land for construction from the realization of the housing. Specifically, only the value of the land is recorded at the time of the sale before the notary: fees are therefore limited to this portion, and the construction budget is not involved at all.
The CCMI provides that the builder takes care of the construction after the acquisition of the land. The cost of the house, subject only to VAT, is billed directly without going through the notary. This mechanism significantly reduces acquisition fees compared to a transaction that includes both land and built property at the notary. Everything then becomes much clearer and easier to anticipate.
Depending on the situation, keep these key principles in mind to visualize the distribution of fees:
- Purchase of land only: notary fees only on the land
- House built via CCMI: no notary fees on the construction portion
To manage your budget as accurately as possible, conducting a notary fee simulation helps adjust your personal contribution and allocate financing between land and building. The choice of construction contract thus has direct effects on the structure of your expenses, providing a good level of transparency for the future owner.
Anticipating additional costs to avoid unpleasant surprises during your house project
Focusing exclusively on notary fees at the time of purchasing the land can overlook a whole host of additional expenses that, when added up, end up weighing heavily in the final equation of a new house. Lowering your guard at the amount of the land means missing the true face of a complete real estate project.
From the moment the deed is signed, you need to think about registering various taxes and contributions: property advertising tax, transfer duties, real estate security contribution. All are based on the price of the land and are added to the notary’s fees. Banks also require a detailed estimate including these fees to validate a solid financing application.
Beyond these initial fees, other costs that are sometimes minimized at the outset must be anticipated to maintain financial control. Here are the main additional items to consider during your planning:
- Servicing and connections: these technical expenses, often underestimated by reflex, can accumulate quickly.
- Mandatory insurances: construction damage insurance and ten-year guarantee, which must be included in your budget.
- Bank processing fees and financial guarantees: essential for any secure transaction.
Purchasing a new property requires scrutinizing each expense item. Taking the time to identify all acquisition costs allows for building a solid project on healthy foundations and avoids unpleasant surprises throughout the construction process. Ultimately, it is the attention given to each financial detail that determines the peace of mind at the handover of keys.