€700,000 Property Transfer Tax & Mortgage in Bavaria (2026)
Purchasing a €700,000 residential property in Bavaria, Germany incurs €24,500 in Grunderwerbsteuer (Bayern: 3.5%) plus €14,000 in notary and land registry fees. With a 20% deposit (€140,000) and a 25-year mortgage at 3.68%, your monthly payment is €2,858/month.
Monthly Mortgage (25Y)
€2,858/mo
Loan: €560,000 @ 3.68%
Property Transfer Tax
€24,500
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€14,000
Total Closing: €38,500
Total Cash Needed
€178,500
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €700,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €24,500 |
| Notary & Land Registry Fees | €14,000 |
| Total Non-Recoverable Closing Costs | €38,500 |
| 20% Down Payment (Deposit) | €140,000 |
| Total Upfront Cash Required at Closing | €178,500 |
| Mortgage Principal Financed (80% LTV) | €560,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €2,857.84 / month |
| Total Interest Over 25 Years | €297,353 |