Grunderwerbsteuer & Baufinanzierung für CHF 225,000 in Bern (2026)
Purchasing a CHF 225,000 residential property in Bern, Switzerland incurs CHF 4,050 in Handänderungssteuer & Grundbuch (Bern) plus CHF 1,800 in notary and land registry fees. With a 20% deposit (CHF 45,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 750/month.
Monthly Mortgage (25Y)
CHF 750/mo
Loan: CHF 180,000 @ 1.85%
Property Transfer Tax
CHF 4,050
Handänderungssteuer & Grundbuch (Bern)
Notary & Registry
CHF 1,800
Total Closing: CHF 5,850
Total Cash Needed
CHF 50,850
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 225,000 |
| Handänderungssteuer & Grundbuch (Bern) (1.80%) | CHF 4,050 |
| Notary & Land Registry Fees | CHF 1,800 |
| Total Non-Recoverable Closing Costs | CHF 5,850 |
| 20% Down Payment (Deposit) | CHF 45,000 |
| Total Upfront Cash Required at Closing | CHF 50,850 |
| Mortgage Principal Financed (80% LTV) | CHF 180,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 749.86 / month |
| Total Interest Over 25 Years | CHF 44,958 |