CHF 525,000 Property Transfer Tax & Mortgage in Ticino (Lugano) (2026)
Purchasing a CHF 525,000 residential property in Ticino (Lugano), Switzerland incurs CHF 10,500 in Handänderungssteuer & Grundbuch (Ticino) plus CHF 4,200 in notary and land registry fees. With a 20% deposit (CHF 105,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 1,750/month.
Monthly Mortgage (25Y)
CHF 1,750/mo
Loan: CHF 420,000 @ 1.85%
Property Transfer Tax
CHF 10,500
Handänderungssteuer & Grundbuch (Ticino)
Notary & Registry
CHF 4,200
Total Closing: CHF 14,700
Total Cash Needed
CHF 119,700
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 525,000 |
| Handänderungssteuer & Grundbuch (Ticino) (2.00%) | CHF 10,500 |
| Notary & Land Registry Fees | CHF 4,200 |
| Total Non-Recoverable Closing Costs | CHF 14,700 |
| 20% Down Payment (Deposit) | CHF 105,000 |
| Total Upfront Cash Required at Closing | CHF 119,700 |
| Mortgage Principal Financed (80% LTV) | CHF 420,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 1,749.68 / month |
| Total Interest Over 25 Years | CHF 104,903 |
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