Grunderwerbsteuer & Baufinanzierung für CHF 850,000 in Luzern (2026)
Purchasing a CHF 850,000 residential property in Lucerne, Switzerland incurs CHF 12,750 in Handänderungssteuer & Grundbuch (Luzern) plus CHF 6,800 in notary and land registry fees. With a 20% deposit (CHF 170,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 2,833/month.
Monthly Mortgage (25Y)
CHF 2,833/mo
Loan: CHF 680,000 @ 1.85%
Property Transfer Tax
CHF 12,750
Handänderungssteuer & Grundbuch (Luzern)
Notary & Registry
CHF 6,800
Total Closing: CHF 19,550
Total Cash Needed
CHF 189,550
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 850,000 |
| Handänderungssteuer & Grundbuch (Luzern) (1.50%) | CHF 12,750 |
| Notary & Land Registry Fees | CHF 6,800 |
| Total Non-Recoverable Closing Costs | CHF 19,550 |
| 20% Down Payment (Deposit) | CHF 170,000 |
| Total Upfront Cash Required at Closing | CHF 189,550 |
| Mortgage Principal Financed (80% LTV) | CHF 680,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 2,832.81 / month |
| Total Interest Over 25 Years | CHF 169,843 |