Grunderwerbsteuer & Baufinanzierung für CHF 625,000 in Luzern (2026)
Purchasing a CHF 625,000 residential property in Lucerne, Switzerland incurs CHF 9,375 in Handänderungssteuer & Grundbuch (Luzern) plus CHF 5,000 in notary and land registry fees. With a 20% deposit (CHF 125,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 2,083/month.
Monthly Mortgage (25Y)
CHF 2,083/mo
Loan: CHF 500,000 @ 1.85%
Property Transfer Tax
CHF 9,375
Handänderungssteuer & Grundbuch (Luzern)
Notary & Registry
CHF 5,000
Total Closing: CHF 14,375
Total Cash Needed
CHF 139,375
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 625,000 |
| Handänderungssteuer & Grundbuch (Luzern) (1.50%) | CHF 9,375 |
| Notary & Land Registry Fees | CHF 5,000 |
| Total Non-Recoverable Closing Costs | CHF 14,375 |
| 20% Down Payment (Deposit) | CHF 125,000 |
| Total Upfront Cash Required at Closing | CHF 139,375 |
| Mortgage Principal Financed (80% LTV) | CHF 500,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 2,082.95 / month |
| Total Interest Over 25 Years | CHF 124,885 |