Grunderwerbsteuer & Baufinanzierung für CHF 150,000 in Ticino (2026)
Purchasing a CHF 150,000 residential property in Ticino (Lugano), Switzerland incurs CHF 3,000 in Handänderungssteuer & Grundbuch (Ticino) plus CHF 1,200 in notary and land registry fees. With a 20% deposit (CHF 30,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 500/month.
Monthly Mortgage (25Y)
CHF 500/mo
Loan: CHF 120,000 @ 1.85%
Property Transfer Tax
CHF 3,000
Handänderungssteuer & Grundbuch (Ticino)
Notary & Registry
CHF 1,200
Total Closing: CHF 4,200
Total Cash Needed
CHF 34,200
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 150,000 |
| Handänderungssteuer & Grundbuch (Ticino) (2.00%) | CHF 3,000 |
| Notary & Land Registry Fees | CHF 1,200 |
| Total Non-Recoverable Closing Costs | CHF 4,200 |
| 20% Down Payment (Deposit) | CHF 30,000 |
| Total Upfront Cash Required at Closing | CHF 34,200 |
| Mortgage Principal Financed (80% LTV) | CHF 120,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 499.91 / month |
| Total Interest Over 25 Years | CHF 29,972 |