€350,000 Property Transfer Tax & Mortgage in Bavaria (2026)
Purchasing a €350,000 residential property in Bavaria, Germany incurs €12,250 in Grunderwerbsteuer (Bayern: 3.5%) plus €7,000 in notary and land registry fees. With a 20% deposit (€70,000) and a 25-year mortgage at 3.68%, your monthly payment is €1,429/month.
Monthly Mortgage (25Y)
€1,429/mo
Loan: €280,000 @ 3.68%
Property Transfer Tax
€12,250
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€7,000
Total Closing: €19,250
Total Cash Needed
€89,250
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €350,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €12,250 |
| Notary & Land Registry Fees | €7,000 |
| Total Non-Recoverable Closing Costs | €19,250 |
| 20% Down Payment (Deposit) | €70,000 |
| Total Upfront Cash Required at Closing | €89,250 |
| Mortgage Principal Financed (80% LTV) | €280,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €1,428.92 / month |
| Total Interest Over 25 Years | €148,676 |