Larvotto

The process

1. 1

   Engage a Monaco advisor

   A licensed agent surfaces both listed and off-market stock and represents you through the deal — essential in a market where the best apartments never reach a portal.

2. 2

   Offer & reservation

   On an accepted offer you sign a reservation and place a deposit, customarily around 10% held by the notaire.

3. 3

   Notaire & compromis

   A Monégasque notaire (a public officer) drafts the sale agreement, runs title and charge checks, and secures the transaction for both sides.

4. 4

   Funds & optional residency

   Arrange funds or private-bank financing. If you also want to reside, open a Monaco bank relationship and lodge the required deposit in parallel — buying itself needs no residency.

5. 5

   Acte de vente

   The final deed is signed before the notaire, the balance and costs settle, and keys are handed over.

Acquisition costs

Notary + registration

~6% (resale)

Agency commission

~3% (often seller-borne)

Annual property tax

None

Income / capital gains (resident primary home)

None

Indicative figures — confirm exact costs with your advisor and notaire.