CHF 750,000 Property Transfer Tax & Mortgage in Ticino (Lugano) (2026)
Purchasing a CHF 750,000 residential property in Ticino (Lugano), Switzerland incurs CHF 15,000 in Handänderungssteuer & Grundbuch (Ticino) plus CHF 6,000 in notary and land registry fees. With a 20% deposit (CHF 150,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 2,500/month.
Monthly Mortgage (25Y)
CHF 2,500/mo
Loan: CHF 600,000 @ 1.85%
Property Transfer Tax
CHF 15,000
Handänderungssteuer & Grundbuch (Ticino)
Notary & Registry
CHF 6,000
Total Closing: CHF 21,000
Total Cash Needed
CHF 171,000
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 750,000 |
| Handänderungssteuer & Grundbuch (Ticino) (2.00%) | CHF 15,000 |
| Notary & Land Registry Fees | CHF 6,000 |
| Total Non-Recoverable Closing Costs | CHF 21,000 |
| 20% Down Payment (Deposit) | CHF 150,000 |
| Total Upfront Cash Required at Closing | CHF 171,000 |
| Mortgage Principal Financed (80% LTV) | CHF 600,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 2,499.54 / month |
| Total Interest Over 25 Years | CHF 149,862 |
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