€950,000 Property Transfer Tax & Mortgage in Bavaria (2026)
Purchasing a €950,000 residential property in Bavaria, Germany incurs €33,250 in Grunderwerbsteuer (Bayern: 3.5%) plus €19,000 in notary and land registry fees. With a 20% deposit (€190,000) and a 25-year mortgage at 3.68%, your monthly payment is €3,879/month.
Monthly Mortgage (25Y)
€3,879/mo
Loan: €760,000 @ 3.68%
Property Transfer Tax
€33,250
Grunderwerbsteuer (Bayern: 3.5%)
Notary & Registry
€19,000
Total Closing: €52,250
Total Cash Needed
€242,250
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €950,000 |
| Grunderwerbsteuer (Bayern: 3.5%) (3.50%) | €33,250 |
| Notary & Land Registry Fees | €19,000 |
| Total Non-Recoverable Closing Costs | €52,250 |
| 20% Down Payment (Deposit) | €190,000 |
| Total Upfront Cash Required at Closing | €242,250 |
| Mortgage Principal Financed (80% LTV) | €760,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €3,878.50 / month |
| Total Interest Over 25 Years | €403,550 |