€500,000 Property Transfer Tax & Mortgage in Emilia-Romagna (Bologna) (2026)
Purchasing a €500,000 residential property in Emilia-Romagna (Bologna), Italy incurs €22,500 in Imposta di Registro, Ipotecaria e Catastale plus €3,500 in notary and land registry fees. With a 20% deposit (€100,000) and a 25-year mortgage at 3.75%, your monthly payment is €2,057/month.
Monthly Mortgage (25Y)
€2,057/mo
Loan: €400,000 @ 3.75%
Property Transfer Tax
€22,500
Imposta di Registro, Ipotecaria e Catastale
Notary & Registry
€3,500
Total Closing: €26,000
Total Cash Needed
€126,000
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €500,000 |
| Imposta di Registro, Ipotecaria e Catastale (4.50%) | €22,500 |
| Notary & Land Registry Fees | €3,500 |
| Total Non-Recoverable Closing Costs | €26,000 |
| 20% Down Payment (Deposit) | €100,000 |
| Total Upfront Cash Required at Closing | €126,000 |
| Mortgage Principal Financed (80% LTV) | €400,000 |
| Monthly Principal & Interest (25 Years @ 3.75%) | €2,056.52 / month |
| Total Interest Over 25 Years | €216,957 |
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