Grunderwerbsteuer & Baufinanzierung für €1,100,000 in Bayern (2026)
Purchasing a €1,100,000 residential property in Bavaria, Germany incurs €38,500 in Grunderwerbsteuer (Bayern: 3.5%) plus €22,000 in notary and land registry fees. With a 20% deposit (€220,000) and a 25-year mortgage at 3.68%, your monthly payment is €4,491/month.
Monthly Mortgage (25Y)
€4,491/mo
Loan: €880,000 @ 3.68%
Property Transfer Tax
€38,500
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€22,000
Total Closing: €60,500
Total Cash Needed
€280,500
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €1,100,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €38,500 |
| Notary & Land Registry Fees | €22,000 |
| Total Non-Recoverable Closing Costs | €60,500 |
| 20% Down Payment (Deposit) | €220,000 |
| Total Upfront Cash Required at Closing | €280,500 |
| Mortgage Principal Financed (80% LTV) | €880,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €4,490.90 / month |
| Total Interest Over 25 Years | €467,269 |