Grunderwerbsteuer & Baufinanzierung für CHF 550,000 in Ticino (2026)
Purchasing a CHF 550,000 residential property in Ticino (Lugano), Switzerland incurs CHF 11,000 in Handänderungssteuer & Grundbuch (Ticino) plus CHF 4,400 in notary and land registry fees. With a 20% deposit (CHF 110,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 1,833/month.
Monthly Mortgage (25Y)
CHF 1,833/mo
Loan: CHF 440,000 @ 1.85%
Property Transfer Tax
CHF 11,000
Handänderungssteuer & Grundbuch (Ticino)
Notary & Registry
CHF 4,400
Total Closing: CHF 15,400
Total Cash Needed
CHF 125,400
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 550,000 |
| Handänderungssteuer & Grundbuch (Ticino) (2.00%) | CHF 11,000 |
| Notary & Land Registry Fees | CHF 4,400 |
| Total Non-Recoverable Closing Costs | CHF 15,400 |
| 20% Down Payment (Deposit) | CHF 110,000 |
| Total Upfront Cash Required at Closing | CHF 125,400 |
| Mortgage Principal Financed (80% LTV) | CHF 440,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 1,833.00 / month |
| Total Interest Over 25 Years | CHF 109,899 |
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