€500,000 Property Transfer Tax & Mortgage in Bavaria (2026)
Purchasing a €500,000 residential property in Bavaria, Germany incurs €17,500 in Grunderwerbsteuer (Bayern: 3.5%) plus €10,000 in notary and land registry fees. With a 20% deposit (€100,000) and a 25-year mortgage at 3.68%, your monthly payment is €2,041/month.
Monthly Mortgage (25Y)
€2,041/mo
Loan: €400,000 @ 3.68%
Property Transfer Tax
€17,500
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€10,000
Total Closing: €27,500
Total Cash Needed
€127,500
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €500,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €17,500 |
| Notary & Land Registry Fees | €10,000 |
| Total Non-Recoverable Closing Costs | €27,500 |
| 20% Down Payment (Deposit) | €100,000 |
| Total Upfront Cash Required at Closing | €127,500 |
| Mortgage Principal Financed (80% LTV) | €400,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €2,041.32 / month |
| Total Interest Over 25 Years | €212,395 |