Grunderwerbsteuer & Baufinanzierung für CHF 350,000 in St. Gallen (2026)
Purchasing a CHF 350,000 residential property in St. Gallen, Switzerland incurs CHF 5,250 in Handänderungssteuer & Grundbuch (St. Gallen) plus CHF 2,800 in notary and land registry fees. With a 20% deposit (CHF 70,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 1,166/month.
Monthly Mortgage (25Y)
CHF 1,166/mo
Loan: CHF 280,000 @ 1.85%
Property Transfer Tax
CHF 5,250
Handänderungssteuer & Grundbuch (St. Gallen)
Notary & Registry
CHF 2,800
Total Closing: CHF 8,050
Total Cash Needed
CHF 78,050
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 350,000 |
| Handänderungssteuer & Grundbuch (St. Gallen) (1.50%) | CHF 5,250 |
| Notary & Land Registry Fees | CHF 2,800 |
| Total Non-Recoverable Closing Costs | CHF 8,050 |
| 20% Down Payment (Deposit) | CHF 70,000 |
| Total Upfront Cash Required at Closing | CHF 78,050 |
| Mortgage Principal Financed (80% LTV) | CHF 280,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 1,166.45 / month |
| Total Interest Over 25 Years | CHF 69,935 |