Grunderwerbsteuer & Baufinanzierung für CHF 1,050,000 in Bern (2026)
Purchasing a CHF 1,050,000 residential property in Bern, Switzerland incurs CHF 18,900 in Handänderungssteuer & Grundbuch (Bern) plus CHF 8,400 in notary and land registry fees. With a 20% deposit (CHF 210,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 3,499/month.
Monthly Mortgage (25Y)
CHF 3,499/mo
Loan: CHF 840,000 @ 1.85%
Property Transfer Tax
CHF 18,900
Handänderungssteuer & Grundbuch (Bern)
Notary & Registry
CHF 8,400
Total Closing: CHF 27,300
Total Cash Needed
CHF 237,300
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 1,050,000 |
| Handänderungssteuer & Grundbuch (Bern) (1.80%) | CHF 18,900 |
| Notary & Land Registry Fees | CHF 8,400 |
| Total Non-Recoverable Closing Costs | CHF 27,300 |
| 20% Down Payment (Deposit) | CHF 210,000 |
| Total Upfront Cash Required at Closing | CHF 237,300 |
| Mortgage Principal Financed (80% LTV) | CHF 840,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 3,499.35 / month |
| Total Interest Over 25 Years | CHF 209,806 |