€325,000 Property Transfer Tax & Mortgage in Lombardy (Milan) (2026)
Purchasing a €325,000 residential property in Lombardy (Milan), Italy incurs €14,625 in Imposta di Registro, Ipotecaria e Catastale plus €3,500 in notary and land registry fees. With a 20% deposit (€65,000) and a 25-year mortgage at 3.75%, your monthly payment is €1,337/month.
Monthly Mortgage (25Y)
€1,337/mo
Loan: €260,000 @ 3.75%
Property Transfer Tax
€14,625
Imposta di Registro, Ipotecaria e Catastale
Notary & Registry
€3,500
Total Closing: €18,125
Total Cash Needed
€83,125
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €325,000 |
| Imposta di Registro, Ipotecaria e Catastale (4.50%) | €14,625 |
| Notary & Land Registry Fees | €3,500 |
| Total Non-Recoverable Closing Costs | €18,125 |
| 20% Down Payment (Deposit) | €65,000 |
| Total Upfront Cash Required at Closing | €83,125 |
| Mortgage Principal Financed (80% LTV) | €260,000 |
| Monthly Principal & Interest (25 Years @ 3.75%) | €1,336.74 / month |
| Total Interest Over 25 Years | €141,022 |