€375,000 Property Transfer Tax & Mortgage in Bavaria (2026)
Purchasing a €375,000 residential property in Bavaria, Germany incurs €13,125 in Grunderwerbsteuer (Bayern: 3.5%) plus €7,500 in notary and land registry fees. With a 20% deposit (€75,000) and a 25-year mortgage at 3.68%, your monthly payment is €1,531/month.
Monthly Mortgage (25Y)
€1,531/mo
Loan: €300,000 @ 3.68%
Property Transfer Tax
€13,125
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€7,500
Total Closing: €20,625
Total Cash Needed
€95,625
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €375,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €13,125 |
| Notary & Land Registry Fees | €7,500 |
| Total Non-Recoverable Closing Costs | €20,625 |
| 20% Down Payment (Deposit) | €75,000 |
| Total Upfront Cash Required at Closing | €95,625 |
| Mortgage Principal Financed (80% LTV) | €300,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €1,530.99 / month |
| Total Interest Over 25 Years | €159,296 |