Hidden costs of buying a house in Mardakan: 2026 checklist
On a 320,000 AZN budget, buyers regularly forget 12,000–25,000 AZN of side costs. It is not fraud — it is standard spending nobody talks about before the deal.
At the deal
| Item | Cost | Who pays |
|---|---|---|
| Notary fee | 0.2% of deal (600–1,000 AZN) | Split |
| Registry duty | 50 AZN | Buyer |
| Appraisal (mortgage) | 250–400 AZN | Buyer |
| Legal check | 100–200 AZN | Buyer |
| Agent fee | 2–3% | Typically seller |
| Bank origination fee | 0.5–1% of loan | Buyer |
First month
- Meter transfers: water 30, gas 40, electricity 25 AZN.
- Home insurance (mandatory with a mortgage) — 300–800 AZN/year.
- Locks and alarm — 200–600 AZN.
- Internet — 50 AZN activation + monthly.
- BTI survey / technical passport — 150–300 AZN.
First 6–12 months: surprises
Even «excellent condition» needs local refresh. MARDECO data: buyers spend 6–8% of house price in year one on:
- Cosmetic refurb to taste.
- Furniture and appliances (kitchen, bedrooms).
- Small plumbing works.
- Landscaping and yard greening.
- Pool consumables (chemistry, cover).
Rule of thumb: budget 3% of house price for the deal and paperwork, plus 5–7% for year one. A 320,000 AZN house needs a 25,000–33,000 AZN reserve on top.
Recurring annual costs
| Item | AZN/year |
|---|---|
| Land + property tax | 250–600 |
| Insurance | 300–800 |
| Pool service | 500–1,200 |
| Yard (gardener) | 800–2,000 |
| Winter gas heating | 450–800 |
See also: title deed, 7% mortgage.
Exact numbers for your budget
Message «EV» — full deal + year-one math on a specific house.