A SEK 4m house in Sweden costs SEK 60,825 extra in title registration
Stamp duty is 1.5% of the price plus SEK 825. New deeds for SEK 1.4m add SEK 28,375, so you pay SEK 89,200 on top of the down payment.
Buy a SEK 4,000,000 house in Sweden and you pay SEK 60,825 to the land registry ("Lantmäteriet") for title registration ("lagfart"). New mortgage deeds ("pantbrev") for the loan can add close to SEK 30,000.
That money is not part of your down payment. Here is how to work out what the purchase costs on top of the price.
Title registration: 1.5% of the price
Title registration shows that you own the property. You apply for it at Lantmäteriet. The cost has two parts:
- Stamp duty of 1.5% for private individuals.
- An administrative fee of SEK 825.
The duty is calculated on the purchase price or the previous year's tax assessment value ("taxeringsvärde"), whichever is higher. The amount is rounded down to the nearest SEK 1,000.
| Price | Stamp duty | Fee | Total |
|---|---|---|---|
| SEK 3,000,000 | SEK 45,000 | SEK 825 | SEK 45,825 |
| SEK 4,000,000 | SEK 60,000 | SEK 825 | SEK 60,825 |
| SEK 5,000,000 | SEK 75,000 | SEK 825 | SEK 75,825 |
A company pays 4.25%. That applies, for example, if you buy through a limited company.
Mortgage deeds: 2% of the new amount
The bank wants mortgage deeds as security for the loan. The existing deeds stay with the house when you buy it. You only need new deeds for the part of the loan that the existing ones do not cover.
The cost is:
- Stamp duty of 2% of the new deed amount.
- An administrative fee of SEK 375 per registration.
An example: the house costs SEK 4,000,000 and you borrow SEK 3,400,000. The seller has deeds worth SEK 2,000,000. You need new deeds for SEK 1,400,000. That costs SEK 28,000 in duty and SEK 375 in fees, or SEK 28,375.
Had the seller held deeds worth SEK 3,500,000, you would not have needed any new ones. Ask the agent how much is registered in deeds before you bid. The figure is in the property register.
The total for the house
Title registration at SEK 60,825 and new mortgage deeds at SEK 28,375 add up to SEK 89,200.
Since 1 April 2026 the down payment is at least 10%. If you borrow 90%, or SEK 3,600,000, the down payment is SEK 400,000. You then need new deeds for SEK 1,600,000, which cost SEK 32,375. With title registration you need just over SEK 493,000.
If you borrow SEK 3,400,000 as in the example above, the down payment is SEK 600,000 and you need almost SEK 690,000 in total.
The mortgage can be at most 90% of the home's value. So you pay for title registration and deeds with your own money.
Co-op flats: no stamp duty
A co-op flat ("bostadsrätt") is not real property. You pay no title registration and no mortgage deeds. The bank gets its security when the housing association is notified of the pledge.
Instead, the association can charge fees if its statutes ("stadgar") allow it:
- A transfer fee ("överlåtelseavgift") when the flat changes owner.
- A pledge fee ("pantsättningsavgift") when you pledge the flat for your loan.
The Co-operative Housing Act sets no cap on these fees. The cap is in the association's statutes.
Many statutes cap the transfer fee at 2.5% of the price base amount ("prisbasbelopp") and the pledge fee at 1%. The price base amount for 2026 is SEK 59,200. That gives at most SEK 1,480 and SEK 592. The statutes also say who pays.
Other costs to plan for
The fees to Lantmäteriet are the largest extra costs, but not the only ones. Also plan for:
- An inspection of the house before you buy.
- Moving.
- Home or house insurance from the day you take over.
- Any fees the bank charges for the loan.
The financials chapter of our real estate crash course covers how much to save on top of the down payment.
What to do
- Find the tax assessment value and compare it with the price. The stamp duty uses the higher one.
- Ask the agent how much is registered in mortgage deeds on the house.
- Work out new deeds as the loan minus existing deeds, times 2%, plus SEK 375.
- Read the association's statutes if you buy a co-op flat.
Sources
- Stamp duty and fees, Lantmäteriet (in Swedish)
- Tips for buying a house, Swedish Consumer Agency (in Swedish)
- Co-operative Housing Act (1991:614), Riksdag (in Swedish)
- Price base amount for 2026, Government of Sweden (in Swedish)
This content is general information, not financial or legal advice. Bolån Radar collects data from banks and authorities and cannot guarantee that it is complete or free of errors. Talk to your bank or an adviser before you decide.