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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 Solnavägen 13C, Solna – the price, the fee 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 352,072The breakdown ↓

Co-op flat · buying

SEK 352,072

what you need – the down payment and SEK 2,072 in costs on top of the price

Price
SEK 3.5m
Loanloan-to-value 90 %
SEK 3.15m
Down paymentat least SEK 349,500 – a loan may be at most 90 % of the value
SEK 350,000
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 price0.06 % of the price
SEK 2,072
What you needdown payment and costs
SEK 352,072
  • 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

General information – not financial or legal advice.

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