Completion report document on wooden desk beside house keys and potted plant, warm afternoon light, Amsterdam apartment background.

What is a completion report when selling a house?

Gaby Mock - KRMT Real Estate Agent ·

A handover report in the sale of a house is a written document that records the condition of the property at the time of transfer. The report describes any defects, shortcomings, or notable features present, so that both buyer and seller know exactly what they are agreeing to. Below, we answer the most frequently asked questions about this document.

What exactly does a handover report contain?

A handover report contains a detailed description of the condition of the property at the time of handover. The floors, walls, ceilings, windows, doors, and installations are assessed room by room. Any defects, wear, or deviations are recorded in writing and sometimes documented photographically as well.

In practice, a handover report typically includes the following elements:

  • Room-by-room inspection: each room, the bathroom, kitchen, basement, and any outdoor spaces are described separately
  • Condition of finishes: paint, tiles, flooring, and other finishing layers
  • Technical installations: the functioning of heating, electrical systems, plumbing, and any ventilation
  • Included movable items: which furniture, appliances, or curtains are being left behind
  • Key handover: how many keys are being transferred and which ones
  • Meter readings: the current readings for gas, water, and electricity

The report serves as a baseline measurement. If a dispute arises later regarding damage or defects, this document provides an objective reference for determining what was already present before the transfer.

Who draws up the handover report when selling a house?

When selling a house, the handover report is typically drawn up by an independent inspector, the real estate agent, or a jointly appointed party. Both the buyer and seller are present during the inspection and sign the report once they are in agreement. This makes the document binding for both parties.

In practice, there are three common scenarios:

  • Drawn up by the agent: the selling or buying agent oversees the pre-handover inspection and records the findings
  • Independent inspector: a certified structural inspector carries out the inspection for a more objective assessment
  • Jointly by buyer and seller: both parties walk through the property together and note their findings on a standard form

When disagreements are anticipated, it is advisable to bring in an independent third party. Their findings carry more weight in the event of any legal disputes.

What is the difference between a handover report and a structural survey?

A handover report and a structural survey are two different documents serving different purposes. The handover report records the condition of the property at the time of transfer and is intended as an evidentiary document. A structural survey is an in-depth technical investigation carried out before the purchase to identify hidden defects and estimate maintenance costs.

The key differences at a glance:

  • Timing: the structural survey takes place before the purchase agreement is signed; the handover report is prepared at the time of key transfer
  • Depth: a structural survey examines the construction, foundation, and hidden defects; a handover report describes the visible condition
  • Purpose: the survey helps the buyer decide whether to proceed with the purchase; the handover report protects both parties after the purchase decision has been made
  • Who carries it out: a structural survey is always conducted by a certified structural advisor; a handover report can also be prepared by the real estate agent

Both documents complement each other. A structural survey provides insight into what may be wrong; the handover report confirms the actual condition in which the property is transferred.

When is the handover report prepared?

The handover report is prepared immediately before or at the time of key handover — that is, on the day of the notarial transfer. In most cases, the inspection takes place a few hours before the signing at the notary’s office, so that any findings can still be discussed before ownership officially changes hands.

In practice, the process typically unfolds as follows:

  1. The buyer and seller agree on a time for the final inspection on the transfer date
  2. Both parties walk through the property together using a checklist or standard form
  3. Findings are recorded in writing, including meter readings and key handover
  4. Both parties sign the report
  5. The buyer and seller then proceed to the notary for the official transfer

It is important that the property is empty and clean at that point, unless otherwise agreed. Any discrepancies compared to the purchase agreement can then be addressed on the spot.

What are the consequences if defects are listed in the handover report?

If defects are listed in the handover report, there are three possible outcomes: the seller repairs the defects before the transfer, a financial settlement is agreed upon, or the buyer accepts the defects and takes over the property in its current condition. Which option applies depends on the nature of the defect and what the parties agree between themselves.

Minor defects such as a broken door handle or a damaged tile are often settled through a reduction in the purchase price or an amount held in escrow with the notary until the defect has been repaired.

Major defects can, in theory, provide grounds for postponing the transfer, but this is legally complex. In practice, situations like these are more often resolved through negotiation than through the courts.

Documenting defects in the report also offers protection for the seller. Defects that were already visible at the time of transfer and have been recorded are much harder for the buyer to later attribute as new damage. The report therefore establishes a clear boundary between what the seller is and is not responsible for.

Is a handover report legally required when selling a property?

A handover report is not legally required when selling a property in the Netherlands. There is no law that mandates this document be prepared in every case. Nevertheless, real estate professionals strongly recommend it, as it protects both parties against later disputes about the condition of the property at the time of transfer.

Without a handover report, it is difficult to prove after the fact which defects were already present before the transfer and which arose afterward. This can lead to lengthy disputes over liability. With a signed report, both buyer and seller have an objective point of reference.

The situation is different in the rental sector, where the general terms and conditions of letting agents — including the standards applied in Amsterdam — stipulate that inspections and transfer reports are part of the standard service package. In the sale of residential properties, this is less formalized, but the practical value remains the same.

In short: it is not mandatory, but omitting it introduces unnecessary risks for both parties.

How we help you sell your home

At Urban Homies, we guide you through the entire sales process, from the initial property valuation to the key handover at the notary’s office. We ensure that you, as the seller, are well prepared for every stage of the transfer, including the final inspection and the handover report.

What we do for you:

  • Property valuation and market analysis so your home goes on the market at the right price
  • Professional presentation with photography and a tailored listing
  • Guidance during negotiations on the purchase price and conditions
  • Support during the final inspection to ensure the handover report is accurate and complete
  • Aftercare following the notarial signing for a smooth conclusion

Want to sell your home with the confidence that everything is taken care of? View our sales guidance services or get in touch directly for a no-obligation conversation.

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