€225,000 Property Transfer Tax & Mortgage in North Rhine-Westphalia (2026)
Purchasing a €225,000 residential property in North Rhine-Westphalia, Germany incurs €14,625 in Grunderwerbsteuer (Nordrhein-Westfalen: 6.5%) plus €4,500 in notary and land registry fees. With a 20% deposit (€45,000) and a 25-year mortgage at 3.68%, your monthly payment is €919/month.
Monthly Mortgage (25Y)
€919/mo
Loan: €180,000 @ 3.68%
Property Transfer Tax
€14,625
Grunderwerbsteuer (Nordrhein-Westfalen: 6.5%)
Notary & Registry
€4,500
Total Closing: €19,125
Total Cash Needed
€64,125
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €225,000 |
| Grunderwerbsteuer (Nordrhein-Westfalen: 6.5%) (6.50%) | €14,625 |
| Notary & Land Registry Fees | €4,500 |
| Total Non-Recoverable Closing Costs | €19,125 |
| 20% Down Payment (Deposit) | €45,000 |
| Total Upfront Cash Required at Closing | €64,125 |
| Mortgage Principal Financed (80% LTV) | €180,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €918.59 / month |
| Total Interest Over 25 Years | €95,578 |
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