Grunderwerbsteuer & Baufinanzierung für €850,000 in Nordrhein-Westfalen (2026)
Purchasing a €850,000 residential property in North Rhine-Westphalia, Germany incurs €55,250 in Grunderwerbsteuer (Nordrhein-Westfalen: 6.5%) plus €17,000 in notary and land registry fees. With a 20% deposit (€170,000) and a 25-year mortgage at 3.68%, your monthly payment is €3,470/month.
Monthly Mortgage (25Y)
€3,470/mo
Loan: €680,000 @ 3.68%
Property Transfer Tax
€55,250
Grunderwerbsteuer (Nordrhein-Westfalen: 6.5%)
Notary & Registry
€17,000
Total Closing: €72,250
Total Cash Needed
€242,250
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €850,000 |
| Grunderwerbsteuer (Nordrhein-Westfalen: 6.5%) (6.50%) | €55,250 |
| Notary & Land Registry Fees | €17,000 |
| Total Non-Recoverable Closing Costs | €72,250 |
| 20% Down Payment (Deposit) | €170,000 |
| Total Upfront Cash Required at Closing | €242,250 |
| Mortgage Principal Financed (80% LTV) | €680,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €3,470.24 / month |
| Total Interest Over 25 Years | €361,071 |