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- What does buying cost?
What does buying cost?
Title, mortgage deeds or the association's fees, the down payment and moving – everything you need in the bank.
Co-op flat · buying
SEK 402,072
what you need – the down payment and SEK 2,072 in costs on top of the price
- Price
- SEK 4m
- Loanloan-to-value 90 %
- SEK 3.6m
- Down paymentat least SEK 399,500 – a loan may be at most 90 % of the value
- SEK 400,000
- Transfer feeIf the association's rules charge one – the rules say how much and who pays
- SEK 1,480
- Pledge feeWhen the bank takes the flat as security – per the rules
- SEK 592
- Title and mortgage deedsA co-op flat is not real property – no title, no deeds
- SEK 0
- Costs on top of the price0.05 % of the price
- SEK 2,072
- What you needdown payment and costs
- SEK 402,072
- The purchase is valid only with a written, signed contract, and the association's board must accept you as a member – otherwise the transfer is void (Co-operative Housing Act ch. 6 ss. 4–5).
- From a date the government sets, pledges are registered in Lantmäteriet's co-op register (Act 2026:484); associations report their data by 31 December 2027 (Act 2026:485).
How this is worked out
Down payment = price − loan. The transfer and pledge fees are charged only if the association's rules say so, and the rules set the basis (Co-operative Housing Act ch. 9 s. 5); the pre-filled amounts are an example – 2.5 % and 1 % of the 2026 price base amount SEK 59,200. Loan at most 90 % of the value.
Rules and sources
- Co-operative Housing Act (1991:614) – ch. 2 s. 3 membership, ch. 6 ss. 4–5 written contract and voidness, ch. 7 s. 14 the fees, ch. 9 s. 5 the rules · read 4 Nov 2026
- Act (2026:484) on the co-op register – Lantmäteriet's register of co-op flats, transfers and pledges – applies from a date the government sets · read 4 Nov 2026
- Act (2026:485) introducing the co-op register – Lantmäteriet builds the register; associations report their data by 31 Dec 2027 · in force from 1 Jan 2027 · 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
- Skatteverket: amounts and rates 2026 – price base amount SEK 59,200, income base amount SEK 83,400 · in force from 1 Jan 2026 · read 4 Nov 2026
General information – not financial or legal advice.