Tools
Everything that helps you buy right.
The calculators and the laws for buying or selling a home in Sweden – every rule with its source and the day we read it. The same model as VERA PI's buyer's tools in France.
What does buying cost?
Title, mortgage deeds or the association's fees, the down payment and moving – everything you need in the bank.
Calculate →The mortgage
The cap, the amortisation requirement, the interest and the tax reduction – what the loan costs a month after tax.
Calculate →What does living there cost?
The fee or the house's running costs and property fee – and how the association's loans react when rates rise.
Calculate →Selling
The tax on the gain, the deferral and the agent's fee – what is left.
Calculate →What can I afford?
From income and savings, the way banks calculate with a stress rate – an estimate.
Calculate →Compare two homes
The monthly cost side by side, with the same down payment and rate.
Calculate →The laws when you buy a home
The purchase, defects, the agent, the co-op flat, the title, the loan and the tax – in plain words, with the law.
Read →The rules in 2026
What applies now – read 4 Nov 2026
- The mortgage capAt most 90 % of the home's value for a new mortgage – from 1 April 2026 (previously 85 %). Act (2026:226) s. 4. Act (2026:226) on limiting mortgage credit
- Amortisation1 % a year above 50 % LTV, 2 % above 70 %. The stricter rule for loans above 4.5 times income was removed on 1 April 2026. Act (2026:226) s. 7. Act (2026:226) on limiting mortgage credit
- Title (lagfart)1.5 % stamp duty on the higher of the price and the assessed value, plus SEK 825. Stamp Duty Act s. 8, Lantmäteriet. Lantmäteriet: stamp duty and fees
- Mortgage deeds2 % of the new deeds, plus SEK 375 per deed. Existing deeds come with the house. Stamp Duty Act s. 24, Lantmäteriet. Lantmäteriet: stamp duty and fees
- Interest deduction30 % of interest up to SEK 100,000 a year, 21 % above. Income Tax Act ch. 67 s. 10. Skatteverket: gain, loss and tax
- Property fee0.75 % of the assessed value, at most SEK 10,425 per house for 2026 (SEK 10,074 for 2025). Skatteverket. Skatteverket: property fee and tax
- Gains tax22 % of the gain (22/30 taxed at 30 %). Deferral SEK 50,000–3,000,000 when you buy a new permanent home. Income Tax Act ch. 45–47. Skatteverket: deferral
- The co-op registerLantmäteriet's new register of co-op flats and pledges: the introduction act (2026:485) applies from 1 January 2027 and associations report by 31 December 2027; the register itself (Act 2026:484) applies from a date the government sets. Act (2026:485) introducing the co-op register
General information – not financial or legal advice.