Guides to buying a home
- What is the cost of registration of title and mortgage deed? Stamp duty 1.5 per cent plus 825 kr for registration of title, 2 per cent plus 375 kr for new mortgage deeds. With calculator.
- How much cash do I need to bet? At least 10 percent of the price since 1 April 2026.The hand money is paid by it on the contract, the rest on the entry date.
- What happens on the entry day? You pay the rest of the price, get the keys and, for a house, the purchase letter. Checklist for the day and template to the seller.
- Do I need to check the home before the purchase? For houses there is an examination obligation under jordabalken. For housing rights no, but what you should have noticed you cannot complain about.
- How do I review the association before I buy a housing right? Key figures of the annual report, the maintenance plan, genuine or ungenuine association, and the membership examination of the board.
- Housing rights, rental rights or ownership rights? What you have, how to move out and if you can rent out, for rental rights, rental rights, ownership rights, ownership rights and cooperative rental rights.
- What applies when I buy a new-built home? Preliminary agreement with a seven-day consideration period, lease, final inspection and rights if the move-in is delayed.
- What should I arrange when I move to or from a house? Water, sewage and waste collection change owners, chimney sweeping follows the house, you sign up for electricity yourself. Read the meters on the day of moving in.
- Can I live permanently in my holiday home? Yes. You are registered where you sleep, and no building permit is required to start living there year-round.
In what order does it happen?
- The contract. The purchase of a property and a tenant-owned apartment must be made in writing and signed by both the seller and the buyer, with the price in the document.
- The loan. The bank needs a mortgage deed in a property or a pledge of the tenant-owned apartment as security.
- Cancellation of the old accommodation. If you live in a rental apartment, the notice period is three months to a month change, so cancel as soon as the day of entry is determined.
- The day of entry. You pay the rest of the price, get the keys and can move in.
- The title deed or membership. The title deed is applied for within three months from the date the purchase document was signed. In a tenant-owned apartment, you can live there first when the association has accepted you as a member.
- Flyttanmälan to Skatteverket, at the latest one week after the move.
Source: Jordabalken (1970:994), 4, 6, 20 and 22 chap. (riksdagen.se), Tenant-owned apartment law (1991:614) (riksdagen.se), Jordabalken, 12 chap. (riksdagen.se), Skatteverket: Flyttanmälan. 4 chap. 1 §, 12 chap. 4 § and 20 chap. 2 § jordabalken, 6 chap. 1 and 4 §§ bostadsrättslagen.
House or tenant-owned apartment: what is the difference?
A house, a holiday home or an owner-occupied apartment is real property. There you apply for a title deed and pay stamp duty, and the loan is secured with a mortgage deed. A tenant-owned apartment is a right to use an apartment in an association. There is no title deed, but the association must approve you as a member.
Source: Lantmäteriet: Register owner, title deed, Tenant-owned apartment law (1991:614) (riksdagen.se).
The move after the purchase
The move follows the same seven steps as otherwise: terminate, book a removal company, pack, change of address, moving day, move-out cleaning and inspection. Make your own plan with dates in Your moving plan and start from the date of entry. The steps are collected on the start page. If you are moving to a house, see what changes ownership in the guide to moving to a house, and if you are selling your old home at the same time, the guide to selling a home and moving.
The law behind it
The sections summarised, with a link to the legal text on riksdagen.se.
4 chapter 1 § jordabalken (1970:994), checked 5 October 2026
The purchase of real property is concluded through a purchase agreement that the seller and buyer sign. The agreement must state the purchase price and that the seller transfers ownership to the buyer. A purchase that does not meet the requirements is invalid.
20 chap. 2 and 3 §§ jordabalken (1970:994), checked 5 October 2026
Registration must be applied for within three months from the date the purchase deed or other deed of acquisition was drawn up. If the acquisition is subject to a condition, the time starts from when the acquisition was completed. If registration is not applied for in time, the registration authority may impose a fine.
12 kap. 4 § jordabalken (1970:994), checked 3 October 2026
A tenancy agreement of indefinite duration for a residential apartment can, unless a longer notice period has been agreed, be terminated for the end of the month that falls nearest after three months from the notice.