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Compare two homes
The monthly cost side by side, with the same down payment and rate.
Two of tonight's new homes as an example. Tap «Compare» on the homes you want and they land here.
Side by side · 10 % down, rate 2.72 %
−SEK 3,087/month
difference a month, home 2 against home 1
| Nockebyvägen 25Co-op flat | Sveagatan 2 ACo-op flat | |
|---|---|---|
| Price | SEK 5.5m | SEK 4.75m |
| Down payment | SEK 549,500 | SEK 475,000 |
| Buying costs | SEK 2,072 | SEK 2,072 |
| Loan | SEK 4.95m | SEK 4.28m |
| Interest after the reduction | SEK 8,106/month | SEK 6,905/month |
| Amortisation | SEK 8,243/month | SEK 7,125/month |
| Fee or running costs | SEK 3,240/month | SEK 2,471/month |
| A month | SEK 19,588/month | SEK 16,501/month |
| Rates +1 point | +SEK 3,256/month | +SEK 2,814/month |
- The interest deduction (30 %) needs enough tax to reduce (Income Tax Act ch. 67 s. 10).
How this is worked out
Each home with the same down payment share and rate: a month = (interest − tax reduction + amortisation) ÷ 12 + fee or running costs and property fee. Buying costs: title and deeds for a house, the association's fees for a co-op flat.
Rules and sources
- 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
- Income Tax Act (1999:1229) – ch. 45 s. 33 and ch. 46 s. 18 22/30 of the gain, 50 % of a loss; ch. 47 deferral; ch. 65 s. 7 30 %; ch. 67 s. 10 tax reduction 30 %/21 % · read 4 Nov 2026
- Statistics Sweden: financial market statistics, Sept 2026 – average rate on new mortgages: variable 2.72 %, fixed 3 months–1 year 3.04 %, 1–5 years 3.39 % – the pre-filled rate · 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
- Skatteverket: property fee and tax – 0.75 % of the assessed value, at most SEK 10,425 per residential building for 2026 (SEK 10,074 for 2025); none for the first 15 years for value year 2012 or later; an unbuilt plot: state property tax 1 % of the assessed value · in force from 1 Jan 2026 · read 4 Nov 2026
General information – not financial or legal advice.