€425,000 Property Transfer Tax & Mortgage in Bavaria (2026)
Purchasing a €425,000 residential property in Bavaria, Germany incurs €14,875 in Grunderwerbsteuer (Bayern: 3.5%) plus €8,500 in notary and land registry fees. With a 20% deposit (€85,000) and a 25-year mortgage at 3.68%, your monthly payment is €1,735/month.
Monthly Mortgage (25Y)
€1,735/mo
Loan: €340,000 @ 3.68%
Property Transfer Tax
€14,875
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€8,500
Total Closing: €23,375
Total Cash Needed
€108,375
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €425,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €14,875 |
| Notary & Land Registry Fees | €8,500 |
| Total Non-Recoverable Closing Costs | €23,375 |
| 20% Down Payment (Deposit) | €85,000 |
| Total Upfront Cash Required at Closing | €108,375 |
| Mortgage Principal Financed (80% LTV) | €340,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €1,735.12 / month |
| Total Interest Over 25 Years | €180,536 |