Grunderwerbsteuer & Baufinanzierung für CHF 700,000 in Bern (2026)
Purchasing a CHF 700,000 residential property in Bern, Switzerland incurs CHF 12,600 in Handänderungssteuer & Grundbuch (Bern) plus CHF 5,600 in notary and land registry fees. With a 20% deposit (CHF 140,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 2,333/month.
Monthly Mortgage (25Y)
CHF 2,333/mo
Loan: CHF 560,000 @ 1.85%
Property Transfer Tax
CHF 12,600
Handänderungssteuer & Grundbuch (Bern)
Notary & Registry
CHF 5,600
Total Closing: CHF 18,200
Total Cash Needed
CHF 158,200
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 700,000 |
| Handänderungssteuer & Grundbuch (Bern) (1.80%) | CHF 12,600 |
| Notary & Land Registry Fees | CHF 5,600 |
| Total Non-Recoverable Closing Costs | CHF 18,200 |
| 20% Down Payment (Deposit) | CHF 140,000 |
| Total Upfront Cash Required at Closing | CHF 158,200 |
| Mortgage Principal Financed (80% LTV) | CHF 560,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 2,332.90 / month |
| Total Interest Over 25 Years | CHF 139,871 |