Grunderwerbsteuer & Baufinanzierung für €1,250,000 in Bayern (2026)
Purchasing a €1,250,000 residential property in Bavaria, Germany incurs €43,750 in Grunderwerbsteuer (Bayern: 3.5%) plus €25,000 in notary and land registry fees. With a 20% deposit (€250,000) and a 25-year mortgage at 3.68%, your monthly payment is €5,103/month.
Monthly Mortgage (25Y)
€5,103/mo
Loan: €1,000,000 @ 3.68%
Property Transfer Tax
€43,750
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€25,000
Total Closing: €68,750
Total Cash Needed
€318,750
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €1,250,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €43,750 |
| Notary & Land Registry Fees | €25,000 |
| Total Non-Recoverable Closing Costs | €68,750 |
| 20% Down Payment (Deposit) | €250,000 |
| Total Upfront Cash Required at Closing | €318,750 |
| Mortgage Principal Financed (80% LTV) | €1,000,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €5,103.29 / month |
| Total Interest Over 25 Years | €530,987 |