CHF 450,000 Property Transfer Tax & Mortgage in Ticino (Lugano) (2026)
Purchasing a CHF 450,000 residential property in Ticino (Lugano), Switzerland incurs CHF 9,000 in Handänderungssteuer & Grundbuch (Ticino) plus CHF 3,600 in notary and land registry fees. With a 20% deposit (CHF 90,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 1,500/month.
Monthly Mortgage (25Y)
CHF 1,500/mo
Loan: CHF 360,000 @ 1.85%
Property Transfer Tax
CHF 9,000
Handänderungssteuer & Grundbuch (Ticino)
Notary & Registry
CHF 3,600
Total Closing: CHF 12,600
Total Cash Needed
CHF 102,600
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 450,000 |
| Handänderungssteuer & Grundbuch (Ticino) (2.00%) | CHF 9,000 |
| Notary & Land Registry Fees | CHF 3,600 |
| Total Non-Recoverable Closing Costs | CHF 12,600 |
| 20% Down Payment (Deposit) | CHF 90,000 |
| Total Upfront Cash Required at Closing | CHF 102,600 |
| Mortgage Principal Financed (80% LTV) | CHF 360,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 1,499.72 / month |
| Total Interest Over 25 Years | CHF 89,917 |
Other Property Prices in Ticino (Lugano)
CHF 300,000 in Ticino (Lugano)CHF 325,000 in Ticino (Lugano)CHF 350,000 in Ticino (Lugano)CHF 375,000 in Ticino (Lugano)CHF 400,000 in Ticino (Lugano)CHF 425,000 in Ticino (Lugano)CHF 475,000 in Ticino (Lugano)CHF 500,000 in Ticino (Lugano)CHF 525,000 in Ticino (Lugano)CHF 550,000 in Ticino (Lugano)