Grunderwerbsteuer & Baufinanzierung für CHF 450,000 in Bern (2026)
Purchasing a CHF 450,000 residential property in Bern, Switzerland incurs CHF 8,100 in Handänderungssteuer & Grundbuch (Bern) plus CHF 3,600 in notary and land registry fees. With a 20% deposit (CHF 90,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 1,500/month.
Monthly Mortgage (25Y)
CHF 1,500/mo
Loan: CHF 360,000 @ 1.85%
Property Transfer Tax
CHF 8,100
Handänderungssteuer & Grundbuch (Bern)
Notary & Registry
CHF 3,600
Total Closing: CHF 11,700
Total Cash Needed
CHF 101,700
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 450,000 |
| Handänderungssteuer & Grundbuch (Bern) (1.80%) | CHF 8,100 |
| Notary & Land Registry Fees | CHF 3,600 |
| Total Non-Recoverable Closing Costs | CHF 11,700 |
| 20% Down Payment (Deposit) | CHF 90,000 |
| Total Upfront Cash Required at Closing | CHF 101,700 |
| Mortgage Principal Financed (80% LTV) | CHF 360,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 1,499.72 / month |
| Total Interest Over 25 Years | CHF 89,917 |