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What does living there cost?

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 Finn Malmgrens Väg 75, Stockholm – the price, the fee and the floor area from the listing.

The home

Price

Down payment

At least 10 % – a mortgage may be at most 90 % of the value since 1 April 2026.

Interest rate

Pre-filled: Statistics Sweden's average for new variable mortgages, Sept 2026. Use your bank's offer.

Fee to the association

Floor area

The association's debt per m²

From the association's annual report. VERA PI fills it in when the association is in its register.

Electricity, home insurance and other

Assessed value

Last year's, from the seller or Skatteverket. Title duty is on the higher of the price and this.

Heating and running

The running costs are in the agent's description.

Household electricity

Water and sewerage

Waste collection

Home insurance

Other (joint facility, upkeep)

Value year 2012 or later, under 15 yearsThen there is no property fee.New-build – I am the first buyerThe bank may then allow a pause in amortisation for up to five years.

–The breakdown ↓

Co-op flat · a month

–

Enter the price.

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
VERA PI housing associations – the association's own annual report – debt and fee per square metre; rate sensitivity = debt per m² × 1 % · 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.