€600,000 Property Transfer Tax & Mortgage in Bavaria (2026)
Purchasing a €600,000 residential property in Bavaria, Germany incurs €21,000 in Grunderwerbsteuer (Bayern: 3.5%) plus €12,000 in notary and land registry fees. With a 20% deposit (€120,000) and a 25-year mortgage at 3.68%, your monthly payment is €2,450/month.
Monthly Mortgage (25Y)
€2,450/mo
Loan: €480,000 @ 3.68%
Property Transfer Tax
€21,000
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€12,000
Total Closing: €33,000
Total Cash Needed
€153,000
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €600,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €21,000 |
| Notary & Land Registry Fees | €12,000 |
| Total Non-Recoverable Closing Costs | €33,000 |
| 20% Down Payment (Deposit) | €120,000 |
| Total Upfront Cash Required at Closing | €153,000 |
| Mortgage Principal Financed (80% LTV) | €480,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €2,449.58 / month |
| Total Interest Over 25 Years | €254,874 |