Grunderwerbsteuer & Baufinanzierung für CHF 475,000 in Luzern (2026)
Purchasing a CHF 475,000 residential property in Lucerne, Switzerland incurs CHF 7,125 in Handänderungssteuer & Grundbuch (Luzern) plus CHF 3,800 in notary and land registry fees. With a 20% deposit (CHF 95,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 1,583/month.
Monthly Mortgage (25Y)
CHF 1,583/mo
Loan: CHF 380,000 @ 1.85%
Property Transfer Tax
CHF 7,125
Handänderungssteuer & Grundbuch (Luzern)
Notary & Registry
CHF 3,800
Total Closing: CHF 10,925
Total Cash Needed
CHF 105,925
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 475,000 |
| Handänderungssteuer & Grundbuch (Luzern) (1.50%) | CHF 7,125 |
| Notary & Land Registry Fees | CHF 3,800 |
| Total Non-Recoverable Closing Costs | CHF 10,925 |
| 20% Down Payment (Deposit) | CHF 95,000 |
| Total Upfront Cash Required at Closing | CHF 105,925 |
| Mortgage Principal Financed (80% LTV) | CHF 380,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 1,583.04 / month |
| Total Interest Over 25 Years | CHF 94,912 |