Fees, Services, Translations: Full List of Buyer Costs

Commissions, Services, Transfers: Complete Buyer Cost List 🧾

Buying property involves more than the sale price. Buyers must account for a range of additional costs: commissions, service fees, bank transfers and currency conversion, plus legal and technical checks. This guide breaks down the common expenses and offers practical tips to plan your budget with confidence.

Main cost categories

• Real estate agent commission
• Notary and authentication fees
• Registration in the property registry
• Taxes and public fees (if applicable)
• Bank transfer fees and currency exchange costs
• Legal due diligence and contract review
• Document translation and apostille/legalization
• Technical inspection and valuation
• Initial utility payments, HOA or building fees
• Renovation and unforeseen costs

Agent commission — what to expect 💼

Agent fees vary by market and can be paid by seller, buyer, or shared. Clarify which services are included: property search, viewings, negotiation, and paperwork. Always ask for a written agreement outlining services and payment milestones.

Notary and registration fees 🏛️

Notarial services typically cover contract certification and signature verification. Registration of ownership in the national registry usually incurs a separate government fee. These steps are mandatory to formalize the transfer.

Taxes and fiscal obligations ⚖️

Depending on the nature of the transaction and property, taxes may apply. Consult a tax adviser or lawyer early to understand any obligations and deadlines so they are included in your budget.

Bank transfers and currency conversion 💳

If payments involve foreign currency, plan for transfer fees and exchange costs. Banks and payment providers offer different rates — compare them. For international transfers, notify your bank in advance about the payment purpose.

Legal due diligence — essential protection 🔍

A lawyer checks title, encumbrances, permits and the accuracy of documents. Legal fees are an investment: they protect you from hidden liabilities and can save significant costs later.

Document translation and legalization

If documents are in another language or require apostille/consular legalization, budget for certified translation and legalization services. This is crucial for foreign buyers.

Technical inspection and valuation 🛠️

A technical survey and valuation reveal the condition of the building and systems, helping estimate renovation costs and future maintenance needs. Order inspections before the final commitment.

Ongoing charges: utilities and HOA contributions

New developments and managed buildings may have entrance fees, reserves for maintenance, and monthly service charges. Clarify these costs early to avoid surprises.

Contingency planning — don’t skip it

Always set aside a contingency fund for unexpected taxes, additional checks, or repair work. A small buffer protects your timeline and peace of mind.

Practical checklist ✅

1. Request full documentation before paying a deposit.
2. Sign written agreements with agents, lawyers and inspectors.
3. Compare banks and payment options for transfers and exchange.
4. Schedule legal and technical checks before signing contracts.
5. Confirm payment schedules for all commissions and fees.

Example scenarios

• Using both an agent and lawyer increases safety and speed, but adds service fees.
• International buyers should budget for translation, apostille and cross‑border transfer costs.

If you'd like to assess total purchase costs including all fees and transfers, start searching properties and estimating your budget: https://buyhome.ge/en/search

For personalized budgeting support and a checklist tailored to your purchase, contact the BuyHome team—we’ll help you plan every step without pressure.