€275,000 Property Transfer Tax & Mortgage in Bavaria (2026)
Purchasing a €275,000 residential property in Bavaria, Germany incurs €9,625 in Grunderwerbsteuer (Bayern: 3.5%) plus €5,500 in notary and land registry fees. With a 20% deposit (€55,000) and a 25-year mortgage at 3.68%, your monthly payment is €1,123/month.
Monthly Mortgage (25Y)
€1,123/mo
Loan: €220,000 @ 3.68%
Property Transfer Tax
€9,625
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€5,500
Total Closing: €15,125
Total Cash Needed
€70,125
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €275,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €9,625 |
| Notary & Land Registry Fees | €5,500 |
| Total Non-Recoverable Closing Costs | €15,125 |
| 20% Down Payment (Deposit) | €55,000 |
| Total Upfront Cash Required at Closing | €70,125 |
| Mortgage Principal Financed (80% LTV) | €220,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €1,122.72 / month |
| Total Interest Over 25 Years | €116,817 |