€150,000 Property Transfer Tax & Mortgage in Bavaria (2026)
Purchasing a €150,000 residential property in Bavaria, Germany incurs €5,250 in Grunderwerbsteuer (Bayern: 3.5%) plus €3,000 in notary and land registry fees. With a 20% deposit (€30,000) and a 25-year mortgage at 3.68%, your monthly payment is €612/month.
Monthly Mortgage (25Y)
€612/mo
Loan: €120,000 @ 3.68%
Property Transfer Tax
€5,250
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€3,000
Total Closing: €8,250
Total Cash Needed
€38,250
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €150,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €5,250 |
| Notary & Land Registry Fees | €3,000 |
| Total Non-Recoverable Closing Costs | €8,250 |
| 20% Down Payment (Deposit) | €30,000 |
| Total Upfront Cash Required at Closing | €38,250 |
| Mortgage Principal Financed (80% LTV) | €120,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €612.39 / month |
| Total Interest Over 25 Years | €63,718 |