CHF 475,000 Property Transfer Tax & Mortgage in Ticino (Lugano) (2026)
Purchasing a CHF 475,000 residential property in Ticino (Lugano), Switzerland incurs CHF 9,500 in Handänderungssteuer & Grundbuch (Ticino) plus CHF 3,800 in notary and land registry fees. With a 20% deposit (CHF 95,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 1,583/month.
Monthly Mortgage (25Y)
CHF 1,583/mo
Loan: CHF 380,000 @ 1.85%
Property Transfer Tax
CHF 9,500
Handänderungssteuer & Grundbuch (Ticino)
Notary & Registry
CHF 3,800
Total Closing: CHF 13,300
Total Cash Needed
CHF 108,300
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 475,000 |
| Handänderungssteuer & Grundbuch (Ticino) (2.00%) | CHF 9,500 |
| Notary & Land Registry Fees | CHF 3,800 |
| Total Non-Recoverable Closing Costs | CHF 13,300 |
| 20% Down Payment (Deposit) | CHF 95,000 |
| Total Upfront Cash Required at Closing | CHF 108,300 |
| Mortgage Principal Financed (80% LTV) | CHF 380,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 1,583.04 / month |
| Total Interest Over 25 Years | CHF 94,912 |
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