EuroCalc

Was ist Abschlusskosten?

Abschlusskosten sind die Gebühren und Auslagen – zusätzlich zum Kaufpreis – die Käufer und Verkäufer beim Abschluss einer Immobilientransaktion bezahlen, typischerweise 2–5% des Kaufpreises.

Closing costs cover the legal, administrative and tax work of transferring ownership: notary or escrow fees, title search and title insurance, loan-origination charges, appraisal, recording fees, transfer taxes and pre-paid items like property tax and home insurance.

In Switzerland, notary and land-registry fees plus property-transfer tax can reach 3–5% depending on canton (Geneva is high, Zurich much lower). In the US, buyer closing costs average 2–3%, seller closing costs 6–10% (including the agent commission).

Beispiel

On a CHF 800,000 Geneva purchase, notary, land registry and transfer tax can total roughly CHF 35,000 (about 4.4%), payable in cash at closing on top of the down payment.

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Who pays closing costs?+

Typically buyer and seller share, but the split varies by jurisdiction and is negotiable in the contract.

Can closing costs be financed?+

Some lenders allow rolling them into the loan, but this raises LTV and reduces effective equity.

Are closing costs tax-deductible?+

Mostly no for owner-occupiers; some items are deductible for investment properties.