CHF 1,500,000 Property Transfer Tax & Mortgage in Lucerne (2026)
Purchasing a CHF 1,500,000 residential property in Lucerne, Switzerland incurs CHF 22,500 in Handänderungssteuer & Grundbuch (Luzern) plus CHF 12,000 in notary and land registry fees. With a 20% deposit (CHF 300,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 4,999/month.
Monthly Mortgage (25Y)
CHF 4,999/mo
Loan: CHF 1,200,000 @ 1.85%
Property Transfer Tax
CHF 22,500
Handänderungssteuer & Grundbuch (Luzern)
Notary & Registry
CHF 12,000
Total Closing: CHF 34,500
Total Cash Needed
CHF 334,500
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 1,500,000 |
| Handänderungssteuer & Grundbuch (Luzern) (1.50%) | CHF 22,500 |
| Notary & Land Registry Fees | CHF 12,000 |
| Total Non-Recoverable Closing Costs | CHF 34,500 |
| 20% Down Payment (Deposit) | CHF 300,000 |
| Total Upfront Cash Required at Closing | CHF 334,500 |
| Mortgage Principal Financed (80% LTV) | CHF 1,200,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 4,999.08 / month |
| Total Interest Over 25 Years | CHF 299,723 |