CHF 725,000 Property Transfer Tax & Mortgage in Ticino (Lugano) (2026)
Purchasing a CHF 725,000 residential property in Ticino (Lugano), Switzerland incurs CHF 14,500 in Handänderungssteuer & Grundbuch (Ticino) plus CHF 5,800 in notary and land registry fees. With a 20% deposit (CHF 145,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 2,416/month.
Monthly Mortgage (25Y)
CHF 2,416/mo
Loan: CHF 580,000 @ 1.85%
Property Transfer Tax
CHF 14,500
Handänderungssteuer & Grundbuch (Ticino)
Notary & Registry
CHF 5,800
Total Closing: CHF 20,300
Total Cash Needed
CHF 165,300
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 725,000 |
| Handänderungssteuer & Grundbuch (Ticino) (2.00%) | CHF 14,500 |
| Notary & Land Registry Fees | CHF 5,800 |
| Total Non-Recoverable Closing Costs | CHF 20,300 |
| 20% Down Payment (Deposit) | CHF 145,000 |
| Total Upfront Cash Required at Closing | CHF 165,300 |
| Mortgage Principal Financed (80% LTV) | CHF 580,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 2,416.22 / month |
| Total Interest Over 25 Years | CHF 144,866 |
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