Grunderwerbsteuer & Baufinanzierung für CHF 675,000 in St. Gallen (2026)
Purchasing a CHF 675,000 residential property in St. Gallen, Switzerland incurs CHF 10,125 in Handänderungssteuer & Grundbuch (St. Gallen) plus CHF 5,400 in notary and land registry fees. With a 20% deposit (CHF 135,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 2,250/month.
Monthly Mortgage (25Y)
CHF 2,250/mo
Loan: CHF 540,000 @ 1.85%
Property Transfer Tax
CHF 10,125
Handänderungssteuer & Grundbuch (St. Gallen)
Notary & Registry
CHF 5,400
Total Closing: CHF 15,525
Total Cash Needed
CHF 150,525
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 675,000 |
| Handänderungssteuer & Grundbuch (St. Gallen) (1.50%) | CHF 10,125 |
| Notary & Land Registry Fees | CHF 5,400 |
| Total Non-Recoverable Closing Costs | CHF 15,525 |
| 20% Down Payment (Deposit) | CHF 135,000 |
| Total Upfront Cash Required at Closing | CHF 150,525 |
| Mortgage Principal Financed (80% LTV) | CHF 540,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 2,249.58 / month |
| Total Interest Over 25 Years | CHF 134,875 |