House in Spain: Swedish banks say no, but your home can go to 80%
With a SEK 4,000,000 house and a SEK 2,000,000 loan you can borrow SEK 1,200,000 more. At 80%, amortization comes to SEK 5,333 a month.
News
Short news about mortgage rates, the Riksbank and the housing market.
Swedish couples buying a home: you can lose SEK 100,000 in a split
Pay SEK 300,000 of a SEK 400,000 down payment and you still get only half. A written cohabitation agreement plus a promissory note changes the split.
Swedish co-op flat sublet in summer 2026: first SEK 40,000 is tax-free
Sublet your co-op flat for three summer months at SEK 12,000 and you pay no tax at all. But the board has to agree first, and the rent has a ceiling.
Sweden's Riksbank opens door to a hike: 1.82% forecast for late 2026
The policy rate stays at 1.75% on 17 June 2026. In our example, a variable rate still beats a two-year fixed rate even after a 0.25-point hike.
Swedish 30 sq m guest house: usually no permit 4.5 m from the boundary
The attefallshus left the law on 1 December 2025. Neighbours' written consent can replace the distance, and a 30 sq m extension needs no permit either.
Sörmlands Sparbank cut Swedish three-year mortgages to 3.14%, May 2026
Sörmlands Sparbank's three-year average fell from 3.51% to 3.14% in May 2026. Only Swedbank's 3.09% was lower. Danske Bank was second on variable at 2.67%.
Swedish mortgage top-ups for renovation: 80% cap from 1 April 2026
With SEK 3,400,000 borrowed on a SEK 4,000,000 house you are at 85%. At 2% amortization it takes just under 3 years before the bank can lend more.
Handover day on a Swedish house: 7 steps before you get the keys
Your bank pays SEK 2,880,000, the seller's loans are cleared and you sign the deed of sale. Then you have three months to apply for title registration.
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.
A SEK 1.5m Swedish cottage: borrow 90% on it, 80% on your house
With a 90% loan, a SEK 1,500,000 cottage costs about SEK 5,400 a month in interest and amortization at 2.8%. A top-up on your house stops at 80%.
Swedbank tops Sweden's three-year mortgages at 3.05% in April 2026
At 3.05%, Swedbank passed Sparbanken Mälardalen on three-year fixes in April 2026. The banks' median rose for every rate period from March 2026.
Sweden's home buyers: backing out can cost 10% of the price or more
A signed purchase contract has no cooling-off period. On a SEK 3.5 million house the seller can keep SEK 350,000 and claim more if the loss is larger.