CHF 450,000 Property Transfer Tax & Mortgage in Vaud (Lausanne) (2026)
Purchasing a CHF 450,000 residential property in Vaud (Lausanne), Switzerland incurs CHF 14,850 in Handänderungssteuer & Grundbuch (Vaud) plus CHF 3,600 in notary and land registry fees. With a 20% deposit (CHF 90,000) and a 25-year mortgage at 1.85%, your monthly payment is CHF 1,500/month.
Monthly Mortgage (25Y)
CHF 1,500/mo
Loan: CHF 360,000 @ 1.85%
Property Transfer Tax
CHF 14,850
Handänderungssteuer & Grundbuch (Vaud)
Notary & Registry
CHF 3,600
Total Closing: CHF 18,450
Total Cash Needed
CHF 108,450
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | CHF 450,000 |
| Handänderungssteuer & Grundbuch (Vaud) (3.30%) | CHF 14,850 |
| Notary & Land Registry Fees | CHF 3,600 |
| Total Non-Recoverable Closing Costs | CHF 18,450 |
| 20% Down Payment (Deposit) | CHF 90,000 |
| Total Upfront Cash Required at Closing | CHF 108,450 |
| Mortgage Principal Financed (80% LTV) | CHF 360,000 |
| Monthly Principal & Interest (25 Years @ 1.85%) | CHF 1,499.72 / month |
| Total Interest Over 25 Years | CHF 89,917 |
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