€525,000 Property Transfer Tax & Mortgage in Bavaria (2026)
Purchasing a €525,000 residential property in Bavaria, Germany incurs €18,375 in Grunderwerbsteuer (Bayern: 3.5%) plus €10,500 in notary and land registry fees. With a 20% deposit (€105,000) and a 25-year mortgage at 3.68%, your monthly payment is €2,143/month.
Monthly Mortgage (25Y)
€2,143/mo
Loan: €420,000 @ 3.68%
Property Transfer Tax
€18,375
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€10,500
Total Closing: €28,875
Total Cash Needed
€133,875
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €525,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €18,375 |
| Notary & Land Registry Fees | €10,500 |
| Total Non-Recoverable Closing Costs | €28,875 |
| 20% Down Payment (Deposit) | €105,000 |
| Total Upfront Cash Required at Closing | €133,875 |
| Mortgage Principal Financed (80% LTV) | €420,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €2,143.38 / month |
| Total Interest Over 25 Years | €223,015 |