{"title":"Property","description":"\u003cp\u003eWhat a home actually costs to buy, what you can genuinely afford, and which of the places you have seen is the best value.\u003c\/p\u003e","products":[{"product_id":"first-home-true-cost-spreadsheet","title":"First Home","description":"\u003cp\u003e\u003cstrong\u003eThe asking price is not what leaves your account.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eTransfer tax, notary, land registry, agency, survey and lender fees routinely add 5–15% on top — and they are paid in cash, not borrowed. This workbook tells you the cash you actually need on the day, what the monthly payment becomes if rates rise, and which of the flats you have seen is genuinely the best value.\u003c\/p\u003e\u003ch3\u003eNine tabs, all formulas live\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eTrue cost\u003c\/strong\u003e — every fee calculated from rates you enter, ending in one number: cash needed on the day, and whether you are short.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAffordability\u003c\/strong\u003e — monthly payment at your rate and stress-tested higher, with debt-to-income ratios and a plain verdict.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDeposit plan\u003c\/strong\u003e — how many months until you have the cash, at your actual saving rate.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eViewings\u003c\/strong\u003e — 30 properties scored on the same criteria, with price per m² calculated. After eight viewings they blur together.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eOffer to keys\u003c\/strong\u003e — 17 steps with dates from your offer date.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCountry notes\u003c\/strong\u003e — 15 questions for your notary or lender.\u003c\/li\u003e\n\u003cli\u003ePlus Setup, Start here and Licence.\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eEuropean by default\u003c\/h3\u003e\u003cp\u003eNotary scales, transfer taxes and lending limits differ in every member state, so none are hard-coded. You enter your country’s rates once and the workbook does the arithmetic — which also means it never goes out of date.\u003c\/p\u003e\u003ch3\u003eWhat you need\u003c\/h3\u003e\u003cp\u003eExcel, Google Sheets, LibreOffice or Numbers.\u003c\/p\u003e\u003ch3\u003eDelivery\u003c\/h3\u003e\u003cp\u003eAn .xlsx file, emailed the moment payment clears. Yours permanently.\u003c\/p\u003e\u003ch3\u003eNot advice\u003c\/h3\u003e\u003cp\u003eA planning tool, not mortgage, tax or legal advice.\u003c\/p\u003e","brand":"Threshold","offers":[{"title":"Default Title","offer_id":57182698537286,"sku":"TH-HOME-01","price":39.99,"currency_code":"EUR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1018\/2380\/7814\/files\/d-fh-mock.png?v=1787515562"}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1018\/2380\/7814\/collections\/col-property.png?v=1787500328","url":"https:\/\/thresholdsofficial.com\/collections\/property.oembed","provider":"Threshold","version":"1.0","type":"link"}