Grunderwerbsteuer & Baufinanzierung für €550,000 in Bayern (2026)
Purchasing a €550,000 residential property in Bavaria, Germany incurs €19,250 in Grunderwerbsteuer (Bayern: 3.5%) plus €11,000 in notary and land registry fees. With a 20% deposit (€110,000) and a 25-year mortgage at 3.68%, your monthly payment is €2,245/month.
Monthly Mortgage (25Y)
€2,245/mo
Loan: €440,000 @ 3.68%
Property Transfer Tax
€19,250
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€11,000
Total Closing: €30,250
Total Cash Needed
€140,250
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €550,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €19,250 |
| Notary & Land Registry Fees | €11,000 |
| Total Non-Recoverable Closing Costs | €30,250 |
| 20% Down Payment (Deposit) | €110,000 |
| Total Upfront Cash Required at Closing | €140,250 |
| Mortgage Principal Financed (80% LTV) | €440,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €2,245.45 / month |
| Total Interest Over 25 Years | €233,634 |