€325,000 Property Transfer Tax & Mortgage in Bavaria (2026)
Purchasing a €325,000 residential property in Bavaria, Germany incurs €11,375 in Grunderwerbsteuer (Bayern: 3.5%) plus €6,500 in notary and land registry fees. With a 20% deposit (€65,000) and a 25-year mortgage at 3.68%, your monthly payment is €1,327/month.
Monthly Mortgage (25Y)
€1,327/mo
Loan: €260,000 @ 3.68%
Property Transfer Tax
€11,375
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€6,500
Total Closing: €17,875
Total Cash Needed
€82,875
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €325,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €11,375 |
| Notary & Land Registry Fees | €6,500 |
| Total Non-Recoverable Closing Costs | €17,875 |
| 20% Down Payment (Deposit) | €65,000 |
| Total Upfront Cash Required at Closing | €82,875 |
| Mortgage Principal Financed (80% LTV) | €260,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €1,326.86 / month |
| Total Interest Over 25 Years | €138,057 |