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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 Karlsviksgatan 9, 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.

SEK 28,094/monthThe breakdown ↓

Co-op flat · a month

SEK 28,094/month

interest after the tax reduction, amortisation and the fee – household power and home insurance are not included; SEK 11,692/month of it is amortisation, a saving

Interest after the reductionSEK 7.02m loan at 2.72 %, 30 % tax reduction: SEK 11,812/month
Amortisation2 % of the loan a year (Act 2026:226): SEK 11,692/month
Fee to the associationSEK 755 per m² a year: SEK 4,591/month
A monthwithout amortisation: SEK 16,403/month: SEK 28,094/month
Your loan, rates +1 pointafter the tax reduction: +SEK 4,618/month

Enter the association's debt per square metre (from its annual report) and we work out how the fee may move when rates rise.
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.