Grunderwerbsteuer & Baufinanzierung für CHF 400,000 in Bern (2026)
Purchasing a CHF 400,000 residential property in Bern, Switzerland incurs CHF 7,200 in Handänderungssteuer & Grundbuch (Bern) plus CHF 3,200 in notary and land registry fees. With a 20% deposit (CHF 80,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 1,333/month.
Monthly Mortgage (25Y)
CHF 1,333/mo
Loan: CHF 320,000 @ 1.85%
Property Transfer Tax
CHF 7,200
Handänderungssteuer & Grundbuch (Bern)
Notary & Registry
CHF 3,200
Total Closing: CHF 10,400
Total Cash Needed
CHF 90,400
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 400,000 |
| Handänderungssteuer & Grundbuch (Bern) (1.80%) | CHF 7,200 |
| Notary & Land Registry Fees | CHF 3,200 |
| Total Non-Recoverable Closing Costs | CHF 10,400 |
| 20% Down Payment (Deposit) | CHF 80,000 |
| Total Upfront Cash Required at Closing | CHF 90,400 |
| Mortgage Principal Financed (80% LTV) | CHF 320,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 1,333.09 / month |
| Total Interest Over 25 Years | CHF 79,926 |