€725,000 Property Transfer Tax & Mortgage in Bavaria (2026)
Purchasing a €725,000 residential property in Bavaria, Germany incurs €25,375 in Grunderwerbsteuer (Bayern: 3.5%) plus €14,500 in notary and land registry fees. With a 20% deposit (€145,000) and a 25-year mortgage at 3.68%, your monthly payment is €2,960/month.
Monthly Mortgage (25Y)
€2,960/mo
Loan: €580,000 @ 3.68%
Property Transfer Tax
€25,375
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€14,500
Total Closing: €39,875
Total Cash Needed
€184,875
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €725,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €25,375 |
| Notary & Land Registry Fees | €14,500 |
| Total Non-Recoverable Closing Costs | €39,875 |
| 20% Down Payment (Deposit) | €145,000 |
| Total Upfront Cash Required at Closing | €184,875 |
| Mortgage Principal Financed (80% LTV) | €580,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €2,959.91 / month |
| Total Interest Over 25 Years | €307,972 |