💸 Cost Calculator

Property Transfer Cost Calculator

See the true total cost of buying property in Africa — including stamp duty, legal fees, agent commission, registration and all hidden costs by country.

🌍 Property Details
In local currency
Typical: SA 5–7.5%, KE 1.5–3%, NG 5–10%
Total Transfer & Buying Costs
—
— of purchase price
Purchase Price
—
Transfer Costs
—
Total Outlay
—
Cost ItemCalculationAmount
🤖 AfroTools AI Insight

🌍 Total Transaction Costs by Country

🇿🇦 South Africa6–12% of value
🇰🇪 Kenya5–8%
🇳🇬 Nigeria12–18%
🇬🇭 Ghana4–7%
🇹🇿 Tanzania5–9%
🇺🇬 Uganda5–8%
🇪🇬 Egypt4–7%
🇲🇦 Morocco7–10%

❓ Common Questions

Who pays transfer costs — buyer or seller? +
Transfer duty and legal fees are typically paid by the buyer. Agent commission is usually paid by the seller, but this can be negotiated in private sales. In Nigeria, both parties often pay their own agent fees separately.
When are transfer costs paid? +
Transfer costs are typically paid at the time of transfer registration, not at signing. In SA, the conveyancer (attorney) collects all costs upfront before lodging at the Deeds Office. In Kenya and Nigeria, costs are paid during the conveyancing process.
Can transfer costs be financed with the mortgage? +
In South Africa, some banks will add transfer costs to the bond for qualifying buyers. In most other African countries, transfer costs must be paid from your own funds. Budget for 8–15% of the property price in cash beyond your deposit.