€250,000 Property Transfer Tax & Mortgage in Bavaria (2026)
Purchasing a €250,000 residential property in Bavaria, Germany incurs €8,750 in Grunderwerbsteuer (Bayern: 3.5%) plus €5,000 in notary and land registry fees. With a 20% deposit (€50,000) and a 25-year mortgage at 3.68%, your monthly payment is €1,021/month.
Monthly Mortgage (25Y)
€1,021/mo
Loan: €200,000 @ 3.68%
Property Transfer Tax
€8,750
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€5,000
Total Closing: €13,750
Total Cash Needed
€63,750
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €250,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €8,750 |
| Notary & Land Registry Fees | €5,000 |
| Total Non-Recoverable Closing Costs | €13,750 |
| 20% Down Payment (Deposit) | €50,000 |
| Total Upfront Cash Required at Closing | €63,750 |
| Mortgage Principal Financed (80% LTV) | €200,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €1,020.66 / month |
| Total Interest Over 25 Years | €106,197 |