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Mortgage Calculator: Sweden

Work out your full monthly mortgage payment and what it costs to buy, with each country's own transfer tax, mortgage insurance and property tax. 15 countries.

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Stämpelskatt only applies if you are buying real property

A private buyer of a house pays 1.5% in stämpelskatt, charged on the price or the assessed taxeringsvärde, whichever is higher, plus a fixed 825 kronor application fee to Lantmäteriet. A buyer of a bostadsrätt pays nothing at all, because a bostadsrätt is a share in a housing co-operative rather than real property and no title changes hands.

Since most Swedish flats are owned as bostadsrätter, that distinction decides whether the transfer-tax line on this page applies to you. The calculator models the house case. If you are buying a bostadsrätt, read the transfer tax as zero and the monthly avgift to the association as the building charge: it usually covers heating, water and the association's own loans, which is why it is far larger than a service charge elsewhere.

There is a second stamp duty most buyers meet: 2% on newly issued mortgage deeds, pantbrev. It applies only to deeds that do not already exist on the property, so on an older house with sufficient pantbrev in place it can be nothing, and it is not included in the buying costs here.

No mortgage insurance, but an amortisation requirement

Sweden has no mortgage insurance. Lending is constrained instead by an 85% loan-to-value cap and Finansinspektionen's statutory amortisation requirement, which forces a minimum yearly repayment of principal above certain loan-to-value and loan-to-income thresholds. The requirement means a Swedish mortgage cannot be run as an interest-only loan indefinitely, so the amortising schedule shown here is the realistic case.

Fastighetsavgift, the municipal property fee, is capped at a fixed maximum per dwelling each year, so it behaves as a flat annual charge rather than a rate on value, which is why an expensive house in Stockholm pays the same as a modest one.

For how the calculation works, the formula behind it and what it leaves out, see the full guide. For help interpreting a result or comparing it with a quote or statement, read the questions and answers.

Data sources

Swedish stampelskatt and purchase costsLantmaterietWithin its effective period

Every document each dataset was read from, its notes and how the figures were checked are listed in the guide's data sources.

This calculator in other countries

Each country has its own rates, thresholds and rules, and its own page that runs the calculator on them and cites the official sources they came from.

CentExactCalculator publisher

CentExact publishes the calculation method, worked examples and available data sources. Automated checks cover reference calculations; they do not certify a result for your circumstances or imply approval by a lender or tax authority.

How we build and test our calculators

This calculator is for general information only and is not financial advice. Results are estimates based on the figures you enter and the stated formula; lenders and providers may round or calculate differently. Check any decision with the institution involved or a qualified adviser.