CHF 150,000 Property Transfer Tax & Mortgage in Bern (2026)
Purchasing a CHF 150,000 residential property in Bern, Switzerland incurs CHF 2,700 in Handänderungssteuer & Grundbuch (Bern) plus CHF 1,200 in notary and land registry fees. With a 20% deposit (CHF 30,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 500/month.
Monthly Mortgage (25Y)
CHF 500/mo
Loan: CHF 120,000 @ 1.85%
Property Transfer Tax
CHF 2,700
Handänderungssteuer & Grundbuch (Bern)
Notary & Registry
CHF 1,200
Total Closing: CHF 3,900
Total Cash Needed
CHF 33,900
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 150,000 |
| Handänderungssteuer & Grundbuch (Bern) (1.80%) | CHF 2,700 |
| Notary & Land Registry Fees | CHF 1,200 |
| Total Non-Recoverable Closing Costs | CHF 3,900 |
| 20% Down Payment (Deposit) | CHF 30,000 |
| Total Upfront Cash Required at Closing | CHF 33,900 |
| Mortgage Principal Financed (80% LTV) | CHF 120,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 499.91 / month |
| Total Interest Over 25 Years | CHF 29,972 |