Namibia Transfer Duty and Bond Cost Calculator
Buying a property? See the transfer duty, stamp duty and legal costs you will pay on top of the price, and how much cash you need upfront.
Your costs
Costs you pay on top of the purchase price.
Transfer duty rates for individuals
These rates apply when a natural person buys property. Your bracket is highlighted after you calculate.
| Property value (N$) | Transfer duty |
|---|---|
| 0 to 1 100 000 | Nil |
| 1 100 001 to 1 580 000 | 1% of the value above 1 100 000 |
| 1 580 001 to 3 150 000 | N$4 800 plus 5% of the value above 1 580 000 |
| 3 150 001 to 12 100 000 | N$83 300 plus 8% of the value above 3 150 000 |
| Above 12 100 000 | N$799 300 plus 11% of the value above 12 100 000 |
Companies, CCs and trusts pay 12% transfer duty on the full value. Individuals also pay stamp duty on the transfer deed at N$10 for every N$1 000 (or part) above N$1 100 000. Other buyers pay N$12 for every N$1 000 (or part) of the value.
How the costs work
What each line means.
Transfer duty and stamp duty
These are taxes paid to NamRA when ownership moves to you. The amount depends on the purchase price and on whether you are a person or a company, CC or trust.
Conveyancer’s fees
A conveyancer registers the transfer and the bond at the deeds office. Their fee follows a prescribed scale based on the value, and VAT is added. We estimate it unless you enter your own quote.
Bond costs
If you borrow to buy, there are extra costs to register the bond: the conveyancer’s fee, the deeds office fee, stamp duty on the bond and bank fees. Enter the stamp duty and bank fees from your quotes.
Cash you need upfront
This is your deposit plus all the costs above. It is the money you need to have ready before you can take transfer, apart from the bond itself.
Common questions
Who pays transfer duty and transfer costs?
The buyer normally pays them. The costs are usually paid to the conveyancer before the property is registered in your name.
Do I pay transfer duty on a property under N$1.1 million?
If you are buying as a person, no. Transfer duty and stamp duty on the transfer deed are both exempt up to N$1 100 000. You still pay the conveyancer’s fee, VAT and the deeds office fee.
What if I buy a new home from a developer?
VAT may apply to the sale instead of transfer duty. Ask your conveyancer how it works for your purchase.
Can I add the costs to my bond?
Some banks lend a little extra to cover costs, but not all do, and it means paying interest on them. Ask your bank what it offers.
How accurate are the estimates?
Transfer duty and stamp duty follow the published rates. The conveyancer’s fees, deeds office fees and bond costs are estimates, so get a written quote from your conveyancer and your bank before you commit.
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