CHF 275,000 Property Transfer Tax & Mortgage in St. Gallen (2026)
Purchasing a CHF 275,000 residential property in St. Gallen, Switzerland incurs CHF 4,125 in Handänderungssteuer & Grundbuch (St. Gallen) plus CHF 2,200 in notary and land registry fees. With a 20% deposit (CHF 55,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 916/month.
Monthly Mortgage (25Y)
CHF 916/mo
Loan: CHF 220,000 @ 1.85%
Property Transfer Tax
CHF 4,125
Handänderungssteuer & Grundbuch (St. Gallen)
Notary & Registry
CHF 2,200
Total Closing: CHF 6,325
Total Cash Needed
CHF 61,325
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 275,000 |
| Handänderungssteuer & Grundbuch (St. Gallen) (1.50%) | CHF 4,125 |
| Notary & Land Registry Fees | CHF 2,200 |
| Total Non-Recoverable Closing Costs | CHF 6,325 |
| 20% Down Payment (Deposit) | CHF 55,000 |
| Total Upfront Cash Required at Closing | CHF 61,325 |
| Mortgage Principal Financed (80% LTV) | CHF 220,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 916.50 / month |
| Total Interest Over 25 Years | CHF 54,949 |