€1,300,000 Property Transfer Tax & Mortgage in Bavaria (2026)
Purchasing a €1,300,000 residential property in Bavaria, Germany incurs €45,500 in Grunderwerbsteuer (Bayern: 3.5%) plus €26,000 in notary and land registry fees. With a 20% deposit (€260,000) and a 25-year mortgage at 3.68%, your monthly payment is €5,307/month.
Monthly Mortgage (25Y)
€5,307/mo
Loan: €1,040,000 @ 3.68%
Property Transfer Tax
€45,500
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€26,000
Total Closing: €71,500
Total Cash Needed
€331,500
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €1,300,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €45,500 |
| Notary & Land Registry Fees | €26,000 |
| Total Non-Recoverable Closing Costs | €71,500 |
| 20% Down Payment (Deposit) | €260,000 |
| Total Upfront Cash Required at Closing | €331,500 |
| Mortgage Principal Financed (80% LTV) | €1,040,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €5,307.42 / month |
| Total Interest Over 25 Years | €552,226 |