Grunderwerbsteuer & Baufinanzierung für CHF 200,000 in Ticino (2026)
Purchasing a CHF 200,000 residential property in Ticino (Lugano), Switzerland incurs CHF 4,000 in Handänderungssteuer & Grundbuch (Ticino) plus CHF 1,600 in notary and land registry fees. With a 20% deposit (CHF 40,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 667/month.
Monthly Mortgage (25Y)
CHF 667/mo
Loan: CHF 160,000 @ 1.85%
Property Transfer Tax
CHF 4,000
Handänderungssteuer & Grundbuch (Ticino)
Notary & Registry
CHF 1,600
Total Closing: CHF 5,600
Total Cash Needed
CHF 45,600
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 200,000 |
| Handänderungssteuer & Grundbuch (Ticino) (2.00%) | CHF 4,000 |
| Notary & Land Registry Fees | CHF 1,600 |
| Total Non-Recoverable Closing Costs | CHF 5,600 |
| 20% Down Payment (Deposit) | CHF 40,000 |
| Total Upfront Cash Required at Closing | CHF 45,600 |
| Mortgage Principal Financed (80% LTV) | CHF 160,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 666.54 / month |
| Total Interest Over 25 Years | CHF 39,963 |