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What does buying cost?

Title, mortgage deeds or the association's fees, the down payment and moving – everything you need in the bank.

Worked out for Smååkran 111, Bräcke – the price and the floor area from the listing.

The home
At least 10 % – a mortgage may be at most 90 % of the value since 1 April 2026.
Last year's, from the seller or Skatteverket. Title duty is on the higher of the price and this.
Those already in the property come with it – in the agent's description.
Per the association's rules. Pre-filled as an example: 2.5 % of the price base amount.
Per the rules, when the bank takes the flat as security. Example: 1 % of the price base amount.
Removals, cleaning, a van – your own estimate.
E.g. a survey.
SEK 220,650The breakdown ↓

House · buying

SEK 220,650

what you need – the down payment and SEK 55,650 in costs on top of the price

Price
SEK 1.65m
Loanloan-to-value 90 %
SEK 1.49m
Down paymentat least SEK 165,000 – a loan may be at most 90 % of the value
SEK 165,000
Title – stamp duty1.5 % of SEK 1,650,000, the price rounded down to whole thousands
SEK 24,750
Title – registration feeLantmäteriet
SEK 825
New mortgage deeds – stamp duty2 % of SEK 1,485,000 in new deeds (the loan SEK 1,485,000 less existing SEK 0)
SEK 29,700
New mortgage deeds – feeper mortgage deed
SEK 375
Costs on top of the price3.37 % of the price
SEK 55,650
What you needdown payment and costs
SEK 220,650
  • Title must be applied for within three months of the contract (Land Code ch. 20 s. 2). The stamp duty is on the higher of the price and last year's assessed value.
  • The deeds already in the property come with it – ask the agent how many there are. Only the new ones carry stamp duty.
How this is worked out

Title: SEK 15 for every full thousand (1.5 %) of the higher of the price and last year's assessed value, at least SEK 50, plus the fee SEK 825. Deeds: SEK 20 for every full thousand (2 %) of the new deeds, at least SEK 50, plus SEK 375 per deed. New deeds = the loan − existing deeds.

Rules and sources
  • Stamp Duty Act (1984:404) – s. 8 SEK 15 per full thousand (1.5 %), at least SEK 50; s. 24 SEK 20 per full thousand on a mortgage deed (2 %) · read 4 Nov 2026
  • Lantmäteriet: stamp duty and fees – fee SEK 825 for title and SEK 375 per deed; duty on the higher of the price and last year's assessed value, rounded down to whole thousands · read 4 Nov 2026
  • Land Code (1970:994) – ch. 4 s. 1 a written purchase, s. 19 defects and the duty to inspect, s. 19 a notice, s. 19 b ten years; ch. 20 ss. 1–2 title within three months · read 4 Nov 2026
  • Act (2026:226) on limiting mortgage credit – s. 4 loans at most 90 % of the value, s. 5 top-ups at most 80 %, s. 7 amortisation 1 % above 50 % and 2 % above 70 %, s. 10 new-builds up to five years · in force from 1 Apr 2026 · read 4 Nov 2026

General information – not financial or legal advice.

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