€225,000 Property Transfer Tax & Mortgage in Bavaria (2026)
Purchasing a €225,000 residential property in Bavaria, Germany incurs €7,875 in Grunderwerbsteuer (Bayern: 3.5%) plus €4,500 in notary and land registry fees. With a 20% deposit (€45,000) and a 25-year mortgage at 3.68%, your monthly payment is €919/month.
Monthly Mortgage (25Y)
€919/mo
Loan: €180,000 @ 3.68%
Property Transfer Tax
€7,875
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€4,500
Total Closing: €12,375
Total Cash Needed
€57,375
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €225,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €7,875 |
| Notary & Land Registry Fees | €4,500 |
| Total Non-Recoverable Closing Costs | €12,375 |
| 20% Down Payment (Deposit) | €45,000 |
| Total Upfront Cash Required at Closing | €57,375 |
| Mortgage Principal Financed (80% LTV) | €180,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €918.59 / month |
| Total Interest Over 25 Years | €95,578 |