Grunderwerbsteuer & Baufinanzierung für CHF 1,000,000 in Ticino (2026)
Purchasing a CHF 1,000,000 residential property in Ticino (Lugano), Switzerland incurs CHF 20,000 in Handänderungssteuer & Grundbuch (Ticino) plus CHF 8,000 in notary and land registry fees. With a 20% deposit (CHF 200,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 3,333/month.
Monthly Mortgage (25Y)
CHF 3,333/mo
Loan: CHF 800,000 @ 1.85%
Property Transfer Tax
CHF 20,000
Handänderungssteuer & Grundbuch (Ticino)
Notary & Registry
CHF 8,000
Total Closing: CHF 28,000
Total Cash Needed
CHF 228,000
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 1,000,000 |
| Handänderungssteuer & Grundbuch (Ticino) (2.00%) | CHF 20,000 |
| Notary & Land Registry Fees | CHF 8,000 |
| Total Non-Recoverable Closing Costs | CHF 28,000 |
| 20% Down Payment (Deposit) | CHF 200,000 |
| Total Upfront Cash Required at Closing | CHF 228,000 |
| Mortgage Principal Financed (80% LTV) | CHF 800,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 3,332.72 / month |
| Total Interest Over 25 Years | CHF 199,815 |