€400,000 Property Transfer Tax & Mortgage in Berlin (2026)
Purchasing a €400,000 residential property in Berlin, Germany incurs €24,000 in Grunderwerbsteuer (Berlin: 6.0%) plus €8,000 in notary and land registry fees. With a 20% deposit (€80,000) and a 25-year mortgage at 3.68%, your monthly payment is €1,633/month.
Monthly Mortgage (25Y)
€1,633/mo
Loan: €320,000 @ 3.68%
Property Transfer Tax
€24,000
Grunderwerbsteuer (Berlin: 6.0%)
Notary & Registry
€8,000
Total Closing: €32,000
Total Cash Needed
€112,000
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €400,000 |
| Grunderwerbsteuer (Berlin: 6.0%) (6.00%) | €24,000 |
| Notary & Land Registry Fees | €8,000 |
| Total Non-Recoverable Closing Costs | €32,000 |
| 20% Down Payment (Deposit) | €80,000 |
| Total Upfront Cash Required at Closing | €112,000 |
| Mortgage Principal Financed (80% LTV) | €320,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €1,633.05 / month |
| Total Interest Over 25 Years | €169,916 |