CHF 525,000 Property Transfer Tax & Mortgage in St. Gallen (2026)
Purchasing a CHF 525,000 residential property in St. Gallen, Switzerland incurs CHF 7,875 in Handänderungssteuer & Grundbuch (St. Gallen) plus CHF 4,200 in notary and land registry fees. With a 20% deposit (CHF 105,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 1,750/month.
Monthly Mortgage (25Y)
CHF 1,750/mo
Loan: CHF 420,000 @ 1.85%
Property Transfer Tax
CHF 7,875
Handänderungssteuer & Grundbuch (St. Gallen)
Notary & Registry
CHF 4,200
Total Closing: CHF 12,075
Total Cash Needed
CHF 117,075
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 525,000 |
| Handänderungssteuer & Grundbuch (St. Gallen) (1.50%) | CHF 7,875 |
| Notary & Land Registry Fees | CHF 4,200 |
| Total Non-Recoverable Closing Costs | CHF 12,075 |
| 20% Down Payment (Deposit) | CHF 105,000 |
| Total Upfront Cash Required at Closing | CHF 117,075 |
| Mortgage Principal Financed (80% LTV) | CHF 420,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 1,749.68 / month |
| Total Interest Over 25 Years | CHF 104,903 |