How should I build a complete property-purchase budget?

Create headings for purchase payments, legal and technical advice, notarial and registration work, applicable taxes, currency or finance charges and initial repairs or furnishing. Ask each professional which amounts are included, excluded or provisional. Have a qualified adviser confirm tax treatment for the actual transaction before committing. Include ongoing insurance, utilities, maintenance and management after completion as a separate budget. Keep a contingency for costs that cannot yet be established, without using it as a substitute for investigating known uncertainties. This answer does not quote tax rates, exemptions or government fees; those require current authoritative verification.