Grunderwerbsteuer & Baufinanzierung für CHF 1,300,000 in Bern (2026)
Purchasing a CHF 1,300,000 residential property in Bern, Switzerland incurs CHF 23,400 in Handänderungssteuer & Grundbuch (Bern) plus CHF 10,400 in notary and land registry fees. With a 20% deposit (CHF 260,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 4,333/month.
Monthly Mortgage (25Y)
CHF 4,333/mo
Loan: CHF 1,040,000 @ 1.85%
Property Transfer Tax
CHF 23,400
Handänderungssteuer & Grundbuch (Bern)
Notary & Registry
CHF 10,400
Total Closing: CHF 33,800
Total Cash Needed
CHF 293,800
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 1,300,000 |
| Handänderungssteuer & Grundbuch (Bern) (1.80%) | CHF 23,400 |
| Notary & Land Registry Fees | CHF 10,400 |
| Total Non-Recoverable Closing Costs | CHF 33,800 |
| 20% Down Payment (Deposit) | CHF 260,000 |
| Total Upfront Cash Required at Closing | CHF 293,800 |
| Mortgage Principal Financed (80% LTV) | CHF 1,040,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 4,332.53 / month |
| Total Interest Over 25 Years | CHF 259,760 |