CHF 1,200,000 Property Transfer Tax & Mortgage in Bern (2026)
Purchasing a CHF 1,200,000 residential property in Bern, Switzerland incurs CHF 21,600 in Handänderungssteuer & Grundbuch (Bern) plus CHF 9,600 in notary and land registry fees. With a 20% deposit (CHF 240,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 3,999/month.
Monthly Mortgage (25Y)
CHF 3,999/mo
Loan: CHF 960,000 @ 1.85%
Property Transfer Tax
CHF 21,600
Handänderungssteuer & Grundbuch (Bern)
Notary & Registry
CHF 9,600
Total Closing: CHF 31,200
Total Cash Needed
CHF 271,200
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 1,200,000 |
| Handänderungssteuer & Grundbuch (Bern) (1.80%) | CHF 21,600 |
| Notary & Land Registry Fees | CHF 9,600 |
| Total Non-Recoverable Closing Costs | CHF 31,200 |
| 20% Down Payment (Deposit) | CHF 240,000 |
| Total Upfront Cash Required at Closing | CHF 271,200 |
| Mortgage Principal Financed (80% LTV) | CHF 960,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 3,999.26 / month |
| Total Interest Over 25 Years | CHF 239,779 |