Grunderwerbsteuer & Baufinanzierung für CHF 1,100,000 in Ticino (2026)
Purchasing a CHF 1,100,000 residential property in Ticino (Lugano), Switzerland incurs CHF 22,000 in Handänderungssteuer & Grundbuch (Ticino) plus CHF 8,800 in notary and land registry fees. With a 20% deposit (CHF 220,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 3,666/month.
Monthly Mortgage (25Y)
CHF 3,666/mo
Loan: CHF 880,000 @ 1.85%
Property Transfer Tax
CHF 22,000
Handänderungssteuer & Grundbuch (Ticino)
Notary & Registry
CHF 8,800
Total Closing: CHF 30,800
Total Cash Needed
CHF 250,800
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 1,100,000 |
| Handänderungssteuer & Grundbuch (Ticino) (2.00%) | CHF 22,000 |
| Notary & Land Registry Fees | CHF 8,800 |
| Total Non-Recoverable Closing Costs | CHF 30,800 |
| 20% Down Payment (Deposit) | CHF 220,000 |
| Total Upfront Cash Required at Closing | CHF 250,800 |
| Mortgage Principal Financed (80% LTV) | CHF 880,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 3,665.99 / month |
| Total Interest Over 25 Years | CHF 219,797 |