Grunderwerbsteuer & Baufinanzierung für €1,500,000 in Bayern (2026)
Purchasing a €1,500,000 residential property in Bavaria, Germany incurs €52,500 in Grunderwerbsteuer (Bayern: 3.5%) plus €30,000 in notary and land registry fees. With a 20% deposit (€300,000) and a 25-year mortgage at 3.68%, your monthly payment is €6,124/month.
Monthly Mortgage (25Y)
€6,124/mo
Loan: €1,200,000 @ 3.68%
Property Transfer Tax
€52,500
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€30,000
Total Closing: €82,500
Total Cash Needed
€382,500
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €1,500,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €52,500 |
| Notary & Land Registry Fees | €30,000 |
| Total Non-Recoverable Closing Costs | €82,500 |
| 20% Down Payment (Deposit) | €300,000 |
| Total Upfront Cash Required at Closing | €382,500 |
| Mortgage Principal Financed (80% LTV) | €1,200,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €6,123.95 / month |
| Total Interest Over 25 Years | €637,184 |