€450,000 Property Transfer Tax & Mortgage in Lombardy (Milan) (2026)
Purchasing a €450,000 residential property in Lombardy (Milan), Italy incurs €20,250 in Imposta di Registro, Ipotecaria e Catastale plus €3,500 in notary and land registry fees. With a 20% deposit (€90,000) and a 25-year mortgage at 3.75%, your monthly payment is €1,851/month.
Monthly Mortgage (25Y)
€1,851/mo
Loan: €360,000 @ 3.75%
Property Transfer Tax
€20,250
Imposta di Registro, Ipotecaria e Catastale
Notary & Registry
€3,500
Total Closing: €23,750
Total Cash Needed
€113,750
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €450,000 |
| Imposta di Registro, Ipotecaria e Catastale (4.50%) | €20,250 |
| Notary & Land Registry Fees | €3,500 |
| Total Non-Recoverable Closing Costs | €23,750 |
| 20% Down Payment (Deposit) | €90,000 |
| Total Upfront Cash Required at Closing | €113,750 |
| Mortgage Principal Financed (80% LTV) | €360,000 |
| Monthly Principal & Interest (25 Years @ 3.75%) | €1,850.87 / month |
| Total Interest Over 25 Years | €195,262 |