Grunderwerbsteuer & Baufinanzierung für €450,000 in Bayern (2026)
Purchasing a €450,000 residential property in Bavaria, Germany incurs €15,750 in Grunderwerbsteuer (Bayern: 3.5%) plus €9,000 in notary and land registry fees. With a 20% deposit (€90,000) and a 25-year mortgage at 3.68%, your monthly payment is €1,837/month.
Monthly Mortgage (25Y)
€1,837/mo
Loan: €360,000 @ 3.68%
Property Transfer Tax
€15,750
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€9,000
Total Closing: €24,750
Total Cash Needed
€114,750
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €450,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €15,750 |
| Notary & Land Registry Fees | €9,000 |
| Total Non-Recoverable Closing Costs | €24,750 |
| 20% Down Payment (Deposit) | €90,000 |
| Total Upfront Cash Required at Closing | €114,750 |
| Mortgage Principal Financed (80% LTV) | €360,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €1,837.18 / month |
| Total Interest Over 25 Years | €191,155 |