CHF 950,000 Property Transfer Tax & Mortgage in Ticino (Lugano) (2026)
Purchasing a CHF 950,000 residential property in Ticino (Lugano), Switzerland incurs CHF 19,000 in Handänderungssteuer & Grundbuch (Ticino) plus CHF 7,600 in notary and land registry fees. With a 20% deposit (CHF 190,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 3,166/month.
Monthly Mortgage (25Y)
CHF 3,166/mo
Loan: CHF 760,000 @ 1.85%
Property Transfer Tax
CHF 19,000
Handänderungssteuer & Grundbuch (Ticino)
Notary & Registry
CHF 7,600
Total Closing: CHF 26,600
Total Cash Needed
CHF 216,600
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 950,000 |
| Handänderungssteuer & Grundbuch (Ticino) (2.00%) | CHF 19,000 |
| Notary & Land Registry Fees | CHF 7,600 |
| Total Non-Recoverable Closing Costs | CHF 26,600 |
| 20% Down Payment (Deposit) | CHF 190,000 |
| Total Upfront Cash Required at Closing | CHF 216,600 |
| Mortgage Principal Financed (80% LTV) | CHF 760,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 3,166.08 / month |
| Total Interest Over 25 Years | CHF 189,825 |