CHF 325,000 Property Transfer Tax & Mortgage in Ticino (Lugano) (2026)
Purchasing a CHF 325,000 residential property in Ticino (Lugano), Switzerland incurs CHF 6,500 in Handänderungssteuer & Grundbuch (Ticino) plus CHF 2,600 in notary and land registry fees. With a 20% deposit (CHF 65,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 1,083/month.
Monthly Mortgage (25Y)
CHF 1,083/mo
Loan: CHF 260,000 @ 1.85%
Property Transfer Tax
CHF 6,500
Handänderungssteuer & Grundbuch (Ticino)
Notary & Registry
CHF 2,600
Total Closing: CHF 9,100
Total Cash Needed
CHF 74,100
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 325,000 |
| Handänderungssteuer & Grundbuch (Ticino) (2.00%) | CHF 6,500 |
| Notary & Land Registry Fees | CHF 2,600 |
| Total Non-Recoverable Closing Costs | CHF 9,100 |
| 20% Down Payment (Deposit) | CHF 65,000 |
| Total Upfront Cash Required at Closing | CHF 74,100 |
| Mortgage Principal Financed (80% LTV) | CHF 260,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 1,083.13 / month |
| Total Interest Over 25 Years | CHF 64,940 |
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