Grunderwerbsteuer & Baufinanzierung für CHF 225,000 in Luzern (2026)
Purchasing a CHF 225,000 residential property in Lucerne, Switzerland incurs CHF 3,375 in Handänderungssteuer & Grundbuch (Luzern) 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 3,375
Handänderungssteuer & Grundbuch (Luzern)
Notary & Registry
CHF 1,800
Total Closing: CHF 5,175
Total Cash Needed
CHF 50,175
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 225,000 |
| Handänderungssteuer & Grundbuch (Luzern) (1.50%) | CHF 3,375 |
| Notary & Land Registry Fees | CHF 1,800 |
| Total Non-Recoverable Closing Costs | CHF 5,175 |
| 20% Down Payment (Deposit) | CHF 45,000 |
| Total Upfront Cash Required at Closing | CHF 50,175 |
| 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 |