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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 Strädet 8, Kristianstad – 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.
–The breakdown ↓

House · buying

–

Enter the price.

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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