Accurately calculate the property share buyout amount
A buyout is the amount of money paid by a co-owner to buy back the share of another when exiting co-ownership. This situation frequently occurs in cases of divorce, inheritance, or dissolution of joint ownership.
The calculation is simple: Buyout = (Property value - Remaining debt) × Share to acquire. Notary fees are added to this amount, estimated between 2.5% and 4% according to the 2026 fee schedule.
1) Have the property appraised by an expert, 2) Calculate the net equity (value - debt), 3) Determine the share to buy back, 4) Obtain bank approval for the loan transfer, 5) Have the buyback deed drawn up by the notary.
The buyout must be paid before a notary. If you take over the loan, the bank must give its approval. In case of divorce, the buyout can be mentioned in the divorce agreement. Notary fees are borne by the buyer.
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Select the type of co-ownership exit
In case of divorce or PACS dissolution, reduced fees of 1.10% (art. 748 CGI). Partition fee schedule applied for notary emoluments. The buyout allows one ex-spouse to buy the other's share in the common property.
Affects DMTO rate (non-family co-ownership)