€300,000 Property Transfer Tax & Mortgage in Bavaria (2026)
Purchasing a €300,000 residential property in Bavaria, Germany incurs €10,500 in Grunderwerbsteuer (Bayern: 3.5%) plus €6,000 in notary and land registry fees. With a 20% deposit (€60,000) and a 25-year mortgage at 3.68%, your monthly payment is €1,225/month.
Monthly Mortgage (25Y)
€1,225/mo
Loan: €240,000 @ 3.68%
Property Transfer Tax
€10,500
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€6,000
Total Closing: €16,500
Total Cash Needed
€76,500
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €300,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €10,500 |
| Notary & Land Registry Fees | €6,000 |
| Total Non-Recoverable Closing Costs | €16,500 |
| 20% Down Payment (Deposit) | €60,000 |
| Total Upfront Cash Required at Closing | €76,500 |
| Mortgage Principal Financed (80% LTV) | €240,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €1,224.79 / month |
| Total Interest Over 25 Years | €127,437 |