CHF 1,050,000 Property Transfer Tax & Mortgage in Ticino (Lugano) (2026)
Purchasing a CHF 1,050,000 residential property in Ticino (Lugano), Switzerland incurs CHF 21,000 in Handänderungssteuer & Grundbuch (Ticino) plus CHF 8,400 in notary and land registry fees. With a 20% deposit (CHF 210,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 3,499/month.
Monthly Mortgage (25Y)
CHF 3,499/mo
Loan: CHF 840,000 @ 1.85%
Property Transfer Tax
CHF 21,000
Handänderungssteuer & Grundbuch (Ticino)
Notary & Registry
CHF 8,400
Total Closing: CHF 29,400
Total Cash Needed
CHF 239,400
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 1,050,000 |
| Handänderungssteuer & Grundbuch (Ticino) (2.00%) | CHF 21,000 |
| Notary & Land Registry Fees | CHF 8,400 |
| Total Non-Recoverable Closing Costs | CHF 29,400 |
| 20% Down Payment (Deposit) | CHF 210,000 |
| Total Upfront Cash Required at Closing | CHF 239,400 |
| Mortgage Principal Financed (80% LTV) | CHF 840,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 3,499.35 / month |
| Total Interest Over 25 Years | CHF 209,806 |