€650,000 Property Transfer Tax & Mortgage in Bavaria (2026)
Purchasing a €650,000 residential property in Bavaria, Germany incurs €22,750 in Grunderwerbsteuer (Bayern: 3.5%) plus €13,000 in notary and land registry fees. With a 20% deposit (€130,000) and a 25-year mortgage at 3.68%, your monthly payment is €2,654/month.
Monthly Mortgage (25Y)
€2,654/mo
Loan: €520,000 @ 3.68%
Property Transfer Tax
€22,750
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€13,000
Total Closing: €35,750
Total Cash Needed
€165,750
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €650,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €22,750 |
| Notary & Land Registry Fees | €13,000 |
| Total Non-Recoverable Closing Costs | €35,750 |
| 20% Down Payment (Deposit) | €130,000 |
| Total Upfront Cash Required at Closing | €165,750 |
| Mortgage Principal Financed (80% LTV) | €520,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €2,653.71 / month |
| Total Interest Over 25 Years | €276,113 |