Grunderwerbsteuer & Baufinanzierung für CHF 1,400,000 in Ticino (2026)
Purchasing a CHF 1,400,000 residential property in Ticino (Lugano), Switzerland incurs CHF 28,000 in Handänderungssteuer & Grundbuch (Ticino) plus CHF 11,200 in notary and land registry fees. With a 20% deposit (CHF 280,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 4,666/month.
Monthly Mortgage (25Y)
CHF 4,666/mo
Loan: CHF 1,120,000 @ 1.85%
Property Transfer Tax
CHF 28,000
Handänderungssteuer & Grundbuch (Ticino)
Notary & Registry
CHF 11,200
Total Closing: CHF 39,200
Total Cash Needed
CHF 319,200
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 1,400,000 |
| Handänderungssteuer & Grundbuch (Ticino) (2.00%) | CHF 28,000 |
| Notary & Land Registry Fees | CHF 11,200 |
| Total Non-Recoverable Closing Costs | CHF 39,200 |
| 20% Down Payment (Deposit) | CHF 280,000 |
| Total Upfront Cash Required at Closing | CHF 319,200 |
| Mortgage Principal Financed (80% LTV) | CHF 1,120,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 4,665.81 / month |
| Total Interest Over 25 Years | CHF 279,742 |