€200,000 Property Transfer Tax & Mortgage in Lombardy (Milan) (2026)
Purchasing a €200,000 residential property in Lombardy (Milan), Italy incurs €9,000 in Imposta di Registro, Ipotecaria e Catastale plus €3,500 in notary and land registry fees. With a 20% deposit (€40,000) and a 25-year mortgage at 3.75%, your monthly payment is €823/month.
Monthly Mortgage (25Y)
€823/mo
Loan: €160,000 @ 3.75%
Property Transfer Tax
€9,000
Imposta di Registro, Ipotecaria e Catastale
Notary & Registry
€3,500
Total Closing: €12,500
Total Cash Needed
€52,500
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €200,000 |
| Imposta di Registro, Ipotecaria e Catastale (4.50%) | €9,000 |
| Notary & Land Registry Fees | €3,500 |
| Total Non-Recoverable Closing Costs | €12,500 |
| 20% Down Payment (Deposit) | €40,000 |
| Total Upfront Cash Required at Closing | €52,500 |
| Mortgage Principal Financed (80% LTV) | €160,000 |
| Monthly Principal & Interest (25 Years @ 3.75%) | €822.61 / month |
| Total Interest Over 25 Years | €86,783 |