€475,000 Property Transfer Tax & Mortgage in Bavaria (2026)
Purchasing a €475,000 residential property in Bavaria, Germany incurs €16,625 in Grunderwerbsteuer (Bayern: 3.5%) plus €9,500 in notary and land registry fees. With a 20% deposit (€95,000) and a 25-year mortgage at 3.68%, your monthly payment is €1,939/month.
Monthly Mortgage (25Y)
€1,939/mo
Loan: €380,000 @ 3.68%
Property Transfer Tax
€16,625
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€9,500
Total Closing: €26,125
Total Cash Needed
€121,125
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €475,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €16,625 |
| Notary & Land Registry Fees | €9,500 |
| Total Non-Recoverable Closing Costs | €26,125 |
| 20% Down Payment (Deposit) | €95,000 |
| Total Upfront Cash Required at Closing | €121,125 |
| Mortgage Principal Financed (80% LTV) | €380,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €1,939.25 / month |
| Total Interest Over 25 Years | €201,775 |