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What does living there cost?

The fee or the house's running costs and property fee – and how the association's loans react when rates rise.

Worked out for Norra Äspeviksvägen 5, Ronneby – the price from the listing.

The home
At least 10 % – a mortgage may be at most 90 % of the value since 1 April 2026.
Pre-filled: Statistics Sweden's average for new variable mortgages, Sept 2026. Use your bank's offer.
From the association's annual report. VERA PI fills it in when the association is in its register.
Last year's, from the seller or Skatteverket. Title duty is on the higher of the price and this.
The running costs are in the agent's description.
SEK 1,214/monthThe breakdown ↓

Plot · a month

SEK 1,214/month

interest after the tax reduction – the property tax is not included; the bank sets the amortisation, not included

Interest after the reductionSEK 765,000 loan at 2.72 %, 30 % tax reduction
SEK 1,214/month
AmortisationThe bank decides – a plot is not a home under the Act (2026:226) s. 2.
The bank decides
Municipal property feeNone – a plot without a residential building pays no property fee
SEK 0
State property tax1 % of the assessed value for an unbuilt plot – enter the assessed value
Not included
A monthwithout amortisation: SEK 1,214/month
SEK 1,214/month
Your loan, rates +1 pointafter the tax reduction
+SEK 446/month
  • An unbuilt plot has no residential building and so pays no municipal property fee; the state charges property tax of 1 % of the assessed value instead (Skatteverket). Once a house is built, the property fee applies.
  • The bank decides – a plot is not a home under the Act (2026:226) s. 2.
  • The interest deduction (30 % of interest, 21 % above SEK 100,000 a year) is a tax reduction: it counts against your tax and needs enough tax to reduce (Income Tax Act ch. 67 s. 10).
How this is worked out

A month = (interest − tax reduction + amortisation) ÷ 12 + the property tax ÷ 12. Tax reduction 30 % up to SEK 100,000 of interest a year, 21 % above. Amortisation per Act 2026:226 s. 7. Unbuilt plot: state property tax 1 % of the assessed value, no property fee.

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
  • 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
  • Municipal Property Fee Act (2007:1398) – the fee and its cap · read 4 Nov 2026
  • Estate Agents Act (2021:516) – ch. 3 s. 1 both parties' interests, s. 12 advice and the duty to inspect, ss. 14–16 property description and housing-cost calculation, s. 18 the list of bids · read 4 Nov 2026

General information – not financial or legal advice.

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