CHF 500,000 Property Transfer Tax & Mortgage in Bern (2026)
Purchasing a CHF 500,000 residential property in Bern, Switzerland incurs CHF 9,000 in Handänderungssteuer & Grundbuch (Bern) plus CHF 4,000 in notary and land registry fees. With a 20% deposit (CHF 100,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 1,666/month.
Monthly Mortgage (25Y)
CHF 1,666/mo
Loan: CHF 400,000 @ 1.85%
Property Transfer Tax
CHF 9,000
Handänderungssteuer & Grundbuch (Bern)
Notary & Registry
CHF 4,000
Total Closing: CHF 13,000
Total Cash Needed
CHF 113,000
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 500,000 |
| Handänderungssteuer & Grundbuch (Bern) (1.80%) | CHF 9,000 |
| Notary & Land Registry Fees | CHF 4,000 |
| Total Non-Recoverable Closing Costs | CHF 13,000 |
| 20% Down Payment (Deposit) | CHF 100,000 |
| Total Upfront Cash Required at Closing | CHF 113,000 |
| Mortgage Principal Financed (80% LTV) | CHF 400,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 1,666.36 / month |
| Total Interest Over 25 Years | CHF 99,908 |