CHF 850,000 Property Transfer Tax & Mortgage in Bern (2026)
Purchasing a CHF 850,000 residential property in Bern, Switzerland incurs CHF 15,300 in Handänderungssteuer & Grundbuch (Bern) plus CHF 6,800 in notary and land registry fees. With a 20% deposit (CHF 170,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 2,833/month.
Monthly Mortgage (25Y)
CHF 2,833/mo
Loan: CHF 680,000 @ 1.85%
Property Transfer Tax
CHF 15,300
Handänderungssteuer & Grundbuch (Bern)
Notary & Registry
CHF 6,800
Total Closing: CHF 22,100
Total Cash Needed
CHF 192,100
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 850,000 |
| Handänderungssteuer & Grundbuch (Bern) (1.80%) | CHF 15,300 |
| Notary & Land Registry Fees | CHF 6,800 |
| Total Non-Recoverable Closing Costs | CHF 22,100 |
| 20% Down Payment (Deposit) | CHF 170,000 |
| Total Upfront Cash Required at Closing | CHF 192,100 |
| Mortgage Principal Financed (80% LTV) | CHF 680,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 2,832.81 / month |
| Total Interest Over 25 Years | CHF 169,843 |