Grunderwerbsteuer & Baufinanzierung für €1,000,000 in Bayern (2026)
Purchasing a €1,000,000 residential property in Bavaria, Germany incurs €35,000 in Grunderwerbsteuer (Bayern: 3.5%) plus €20,000 in notary and land registry fees. With a 20% deposit (€200,000) and a 25-year mortgage at 3.68%, your monthly payment is €4,083/month.
Monthly Mortgage (25Y)
€4,083/mo
Loan: €800,000 @ 3.68%
Property Transfer Tax
€35,000
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€20,000
Total Closing: €55,000
Total Cash Needed
€255,000
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €1,000,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €35,000 |
| Notary & Land Registry Fees | €20,000 |
| Total Non-Recoverable Closing Costs | €55,000 |
| 20% Down Payment (Deposit) | €200,000 |
| Total Upfront Cash Required at Closing | €255,000 |
| Mortgage Principal Financed (80% LTV) | €800,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €4,082.63 / month |
| Total Interest Over 25 Years | €424,790 |