CHF 650,000 Property Transfer Tax & Mortgage in Zurich (2026)
Purchasing a CHF 650,000 residential property in Zurich, Switzerland incurs CHF 9,750 in Handänderungssteuer & Grundbuch (Zürich) plus CHF 5,200 in notary and land registry fees. With a 20% deposit (CHF 130,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 2,166/month.
Monthly Mortgage (25Y)
CHF 2,166/mo
Loan: CHF 520,000 @ 1.85%
Property Transfer Tax
CHF 9,750
Handänderungssteuer & Grundbuch (Zürich)
Notary & Registry
CHF 5,200
Total Closing: CHF 14,950
Total Cash Needed
CHF 144,950
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 650,000 |
| Handänderungssteuer & Grundbuch (Zürich) (1.50%) | CHF 9,750 |
| Notary & Land Registry Fees | CHF 5,200 |
| Total Non-Recoverable Closing Costs | CHF 14,950 |
| 20% Down Payment (Deposit) | CHF 130,000 |
| Total Upfront Cash Required at Closing | CHF 144,950 |
| Mortgage Principal Financed (80% LTV) | CHF 520,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 2,166.27 / month |
| Total Interest Over 25 Years | CHF 129,880 |