Grunderwerbsteuer & Baufinanzierung für €1,000,000 in Schleswig-Holstein (2026)
Purchasing a €1,000,000 residential property in Schleswig-Holstein, Germany incurs €65,000 in Grunderwerbsteuer (Schleswig-Holstein: 6.5%) plus €20,000 in notary and land registry fees. With a 20% deposit (€200,000) and a 25-year mortgage at 3.68%, your monthly payment is €4,083/month.
Monthly Mortgage (25Y)
€4,083/mo
Loan: €800,000 @ 3.68%
Property Transfer Tax
€65,000
Grunderwerbsteuer (Schleswig-Holstein: 6.5%)
Notary & Registry
€20,000
Total Closing: €85,000
Total Cash Needed
€285,000
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €1,000,000 |
| Grunderwerbsteuer (Schleswig-Holstein: 6.5%) (6.50%) | €65,000 |
| Notary & Land Registry Fees | €20,000 |
| Total Non-Recoverable Closing Costs | €85,000 |
| 20% Down Payment (Deposit) | €200,000 |
| Total Upfront Cash Required at Closing | €285,000 |
| Mortgage Principal Financed (80% LTV) | €800,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €4,082.63 / month |
| Total Interest Over 25 Years | €424,790 |