Grunderwerbsteuer & Baufinanzierung für CHF 250,000 in Bern (2026)
Purchasing a CHF 250,000 residential property in Bern, Switzerland incurs CHF 4,500 in Handänderungssteuer & Grundbuch (Bern) plus CHF 2,000 in notary and land registry fees. With a 20% deposit (CHF 50,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 833/month.
Monthly Mortgage (25Y)
CHF 833/mo
Loan: CHF 200,000 @ 1.85%
Property Transfer Tax
CHF 4,500
Handänderungssteuer & Grundbuch (Bern)
Notary & Registry
CHF 2,000
Total Closing: CHF 6,500
Total Cash Needed
CHF 56,500
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 250,000 |
| Handänderungssteuer & Grundbuch (Bern) (1.80%) | CHF 4,500 |
| Notary & Land Registry Fees | CHF 2,000 |
| Total Non-Recoverable Closing Costs | CHF 6,500 |
| 20% Down Payment (Deposit) | CHF 50,000 |
| Total Upfront Cash Required at Closing | CHF 56,500 |
| Mortgage Principal Financed (80% LTV) | CHF 200,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 833.18 / month |
| Total Interest Over 25 Years | CHF 49,954 |