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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 Östermalmsgatan 77, 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 association: Brf Räven 11 – debt SEK 4,164 per m², annual fee SEK 441 per m² (annual report 2025). VERA PI's nearest association to the address (18 m) – check the name in the agent's description.

SEK 112,712/monthThe breakdown ↓

Co-op flat · a month

SEK 112,712/month

interest after the tax reduction, amortisation and the fee – household power and home insurance are not included; SEK 50,962/month of it is amortisation, a saving

Interest after the reductionSEK 30.58m loan at 2.72 %, 30 % tax reduction: SEK 54,003/month
Amortisation2 % of the loan a year (Act 2026:226): SEK 50,962/month
Fee to the associationSEK 456 per m² a year: SEK 7,747/month
A monthwithout amortisation: SEK 61,750/month: SEK 112,712/month
Your loan, rates +1 pointafter the tax reduction: +SEK 20,130/month
The association's loans, rates +1 pointSEK 4,164 debt per m² × 204 m² × 1 % ÷ 12 · Brf Räven 11: +SEK 708/month
Both, rates +1 point: SEK 133,550/month

The association's loans are paid by the fee. If rates rise one point the association's interest rises by 1 % of its debt – passed on in full when the loans reset, that is debt per m² × your floor area × 1 % a year. That is VERA PI's arithmetic; the board sets the fee.
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 fee and what you add. Tax reduction 30 % up to SEK 100,000 of interest a year, 21 % above. Amortisation per Act 2026:226 s. 7. The association's sensitivity: debt per m² × floor area × 1 % ÷ 12 (VERA PI).

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.