€300,000 Property Transfer Tax & Mortgage in Schleswig-Holstein (2026)
Purchasing a €300,000 residential property in Schleswig-Holstein, Germany incurs €19,500 in Grunderwerbsteuer (Schleswig-Holstein: 6.5%) plus €6,000 in notary and land registry fees. With a 20% deposit (€60,000) and a 25-year mortgage at 3.68%, your monthly payment is €1,225/month.
Monthly Mortgage (25Y)
€1,225/mo
Loan: €240,000 @ 3.68%
Property Transfer Tax
€19,500
Grunderwerbsteuer (Schleswig-Holstein: 6.5%)
Notary & Registry
€6,000
Total Closing: €25,500
Total Cash Needed
€85,500
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | €300,000 |
| Grunderwerbsteuer (Schleswig-Holstein: 6.5%) (6.50%) | €19,500 |
| Notary & Land Registry Fees | €6,000 |
| Total Non-Recoverable Closing Costs | €25,500 |
| 20% Down Payment (Deposit) | €60,000 |
| Total Upfront Cash Required at Closing | €85,500 |
| Mortgage Principal Financed (80% LTV) | €240,000 |
| Monthly Principal & Interest (25 Years @ 3.68%) | €1,224.79 / month |
| Total Interest Over 25 Years | €127,437 |
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