€200,000 Property Transfer Tax & Mortgage in Bavaria (2026)
Purchasing a €200,000 residential property in Bavaria, Germany incurs €7,000 in Grunderwerbsteuer (Bayern: 3.5%) plus €4,000 in notary and land registry fees. With a 20% deposit (€40,000) and a 25-year mortgage at 3.68%, your monthly payment is €817/month.
Monthly Mortgage (25Y)
€817/mo
Loan: €160,000 @ 3.68%
Property Transfer Tax
€7,000
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€4,000
Total Closing: €11,000
Total Cash Needed
€51,000
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €200,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €7,000 |
| Notary & Land Registry Fees | €4,000 |
| Total Non-Recoverable Closing Costs | €11,000 |
| 20% Down Payment (Deposit) | €40,000 |
| Total Upfront Cash Required at Closing | €51,000 |
| Mortgage Principal Financed (80% LTV) | €160,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €816.53 / month |
| Total Interest Over 25 Years | €84,958 |