€400,000 Property Transfer Tax & Mortgage in Bavaria (2026)
Purchasing a €400,000 residential property in Bavaria, Germany incurs €14,000 in Grunderwerbsteuer (Bayern: 3.5%) plus €8,000 in notary and land registry fees. With a 20% deposit (€80,000) and a 25-year mortgage at 3.68%, your monthly payment is €1,633/month.
Monthly Mortgage (25Y)
€1,633/mo
Loan: €320,000 @ 3.68%
Property Transfer Tax
€14,000
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€8,000
Total Closing: €22,000
Total Cash Needed
€102,000
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €400,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €14,000 |
| Notary & Land Registry Fees | €8,000 |
| Total Non-Recoverable Closing Costs | €22,000 |
| 20% Down Payment (Deposit) | €80,000 |
| Total Upfront Cash Required at Closing | €102,000 |
| Mortgage Principal Financed (80% LTV) | €320,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €1,633.05 / month |
| Total Interest Over 25 Years | €169,916 |