Grunderwerbsteuer & Baufinanzierung für CHF 550,000 in Luzern (2026)
Purchasing a CHF 550,000 residential property in Lucerne, Switzerland incurs CHF 8,250 in Handänderungssteuer & Grundbuch (Luzern) plus CHF 4,400 in notary and land registry fees. With a 20% deposit (CHF 110,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 1,833/month.
Monthly Mortgage (25Y)
CHF 1,833/mo
Loan: CHF 440,000 @ 1.85%
Property Transfer Tax
CHF 8,250
Handänderungssteuer & Grundbuch (Luzern)
Notary & Registry
CHF 4,400
Total Closing: CHF 12,650
Total Cash Needed
CHF 122,650
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 550,000 |
| Handänderungssteuer & Grundbuch (Luzern) (1.50%) | CHF 8,250 |
| Notary & Land Registry Fees | CHF 4,400 |
| Total Non-Recoverable Closing Costs | CHF 12,650 |
| 20% Down Payment (Deposit) | CHF 110,000 |
| Total Upfront Cash Required at Closing | CHF 122,650 |
| Mortgage Principal Financed (80% LTV) | CHF 440,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 1,833.00 / month |
| Total Interest Over 25 Years | CHF 109,899 |