Checklist Before Signing a Notary Contract in Estonia (2025)

18.11.2025 • Buy property
Checklist Before Signing a Notary Contract in Estonia (2025)

Checklist Before Signing a Notary Contract in Estonia (2025)

Signing a notary contract is the final and most important step when buying property in Estonia. Before sitting at the notary’s table, buyers must verify documents, payments and legal details to avoid costly mistakes. This 2025 checklist ensures you enter the notary office fully prepared.

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1. Verify the Land Registry extract (Kinnistusraamat)

  • Correct owner listed
  • No unexpected encumbrances
  • No disputes or restrictions
  • Correct apartment size and type

Make sure the seller's name matches their ID document.

2. Confirm there are no debts

  • apartment association debt statement
  • utility debts
  • renovation loan debts (if applicable)
In Estonia, debt follows the property — not the owner.

3. Check the energy performance certificate

Important for mortgage buyers and long-term heating cost estimation.

4. Verify the floor plan and real layout

  • does the real layout match official plans?
  • illegal walls or removed partitions?

5. Inspect all renovation documents

  • electrical rewiring certificates
  • plumbing updates
  • bathroom waterproofing
  • window replacements

6. Mortgage documents (if you use bank financing)

  • bank pre-approval
  • loan contract conditions
  • insurance requirements
  • down payment ready

7. Check notary draft (min. 3 days before signing)

The notary must send you a draft contract. Verify:

  • price and payment schedule
  • property boundaries
  • included items (furniture, appliances)
  • deadlines and penalties

8. Confirm the final payment method

  • escrow account
  • bank transfer timing
  • loan disbursement date

9. Verify seller’s identity

The seller must present ID at the notary — check that the person is the actual legal owner.

10. Final walk-through (very important)

  • keys
  • meters (water, heating, electricity)
  • appliances
  • walls, bathroom, windows

After signing, the condition is considered accepted.

11. Understand additional costs

  • notary fee
  • state fee
  • bank fees (if mortgage)

12. Store all documents digitally

You will receive official documents via email and e-Notary.

Ready to buy safely? Use RNB.ee to verify prices, neighbourhoods and property details before going to the notary.