Grunderwerbsteuer & Baufinanzierung für CHF 650,000 in Vaud (2026)
Purchasing a CHF 650,000 residential property in Vaud (Lausanne), Switzerland incurs CHF 21,450 in Handänderungssteuer & Grundbuch (Vaud) plus CHF 5,200 in notary and land registry fees. With a 20% deposit (CHF 130,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 2,166/month.
Monthly Mortgage (25Y)
CHF 2,166/mo
Loan: CHF 520,000 @ 1.85%
Property Transfer Tax
CHF 21,450
Handänderungssteuer & Grundbuch (Vaud)
Notary & Registry
CHF 5,200
Total Closing: CHF 26,650
Total Cash Needed
CHF 156,650
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 650,000 |
| Handänderungssteuer & Grundbuch (Vaud) (3.30%) | CHF 21,450 |
| Notary & Land Registry Fees | CHF 5,200 |
| Total Non-Recoverable Closing Costs | CHF 26,650 |
| 20% Down Payment (Deposit) | CHF 130,000 |
| Total Upfront Cash Required at Closing | CHF 156,650 |
| Mortgage Principal Financed (80% LTV) | CHF 520,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 2,166.27 / month |
| Total Interest Over 25 Years | CHF 129,880 |
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