Grunderwerbsteuer & Baufinanzierung für CHF 1,150,000 in St. Gallen (2026)
Purchasing a CHF 1,150,000 residential property in St. Gallen, Switzerland incurs CHF 17,250 in Handänderungssteuer & Grundbuch (St. Gallen) plus CHF 9,200 in notary and land registry fees. With a 20% deposit (CHF 230,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 3,833/month.
Monthly Mortgage (25Y)
CHF 3,833/mo
Loan: CHF 920,000 @ 1.85%
Property Transfer Tax
CHF 17,250
Handänderungssteuer & Grundbuch (St. Gallen)
Notary & Registry
CHF 9,200
Total Closing: CHF 26,450
Total Cash Needed
CHF 256,450
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 1,150,000 |
| Handänderungssteuer & Grundbuch (St. Gallen) (1.50%) | CHF 17,250 |
| Notary & Land Registry Fees | CHF 9,200 |
| Total Non-Recoverable Closing Costs | CHF 26,450 |
| 20% Down Payment (Deposit) | CHF 230,000 |
| Total Upfront Cash Required at Closing | CHF 256,450 |
| Mortgage Principal Financed (80% LTV) | CHF 920,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 3,832.63 / month |
| Total Interest Over 25 Years | CHF 229,788 |