€225,000 Property Transfer Tax & Mortgage in Saxony (2026)
Purchasing a €225,000 residential property in Saxony, Germany incurs €12,375 in Grunderwerbsteuer (Sachsen: 5.5%) 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
€12,375
Grunderwerbsteuer (Sachsen: 5.5%)
Notary & Registry
€4,500
Total Closing: €16,875
Total Cash Needed
€61,875
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €225,000 |
| Grunderwerbsteuer (Sachsen: 5.5%) (5.50%) | €12,375 |
| Notary & Land Registry Fees | €4,500 |
| Total Non-Recoverable Closing Costs | €16,875 |
| 20% Down Payment (Deposit) | €45,000 |
| Total Upfront Cash Required at Closing | €61,875 |
| Mortgage Principal Financed (80% LTV) | €180,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €918.59 / month |
| Total Interest Over 25 Years | €95,578 |