Grunderwerbsteuer & Baufinanzierung für CHF 725,000 in Bern (2026)
Purchasing a CHF 725,000 residential property in Bern, Switzerland incurs CHF 13,050 in Handänderungssteuer & Grundbuch (Bern) plus CHF 5,800 in notary and land registry fees. With a 20% deposit (CHF 145,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 2,416/month.
Monthly Mortgage (25Y)
CHF 2,416/mo
Loan: CHF 580,000 @ 1.85%
Property Transfer Tax
CHF 13,050
Handänderungssteuer & Grundbuch (Bern)
Notary & Registry
CHF 5,800
Total Closing: CHF 18,850
Total Cash Needed
CHF 163,850
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 725,000 |
| Handänderungssteuer & Grundbuch (Bern) (1.80%) | CHF 13,050 |
| Notary & Land Registry Fees | CHF 5,800 |
| Total Non-Recoverable Closing Costs | CHF 18,850 |
| 20% Down Payment (Deposit) | CHF 145,000 |
| Total Upfront Cash Required at Closing | CHF 163,850 |
| Mortgage Principal Financed (80% LTV) | CHF 580,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 2,416.22 / month |
| Total Interest Over 25 Years | CHF 144,866 |