Leak in a Swedish co-op flat: who pays for a SEK 60,000 floor?
If the association's main pipe leaks, it pays for the SEK 60,000 floor. Your home insurance pays for the SEK 15,000 sofa, minus the excess.
News: Houses
Swedish house prices down 0.4% in September 2026, co-op flats up 1.6%
On a SEK 4,000,000 house the drop equals about SEK 16,000. It is the first fall for houses since January 2026, says Svensk Mäklarstatistik.
Buying a Swedish house near water? Flood excess can be SEK 30,000
Folksam's flood excess is 10% of the damage, at least SEK 10,000. Water that seeps in through the foundation is usually not covered at all.
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.
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%.
Swedish house buyers: 10 years for hidden defects, not visible ones
You can claim a hidden defect from the seller for up to 10 years. In a 1998 Supreme Court case, mould the inspection had warned of did not count.
Swedish co-op or house: who pays for a SEK 250,000 new roof?
In a house you pay for the whole roof. In a co-op the association pays, but through the fee: a SEK 10 million pipe job can add SEK 833 a month.
House or flat in Sweden? The full monthly cost differs by SEK 4,000
A SEK 4 million house costs SEK 16,923 a month and a SEK 3 million co-op flat SEK 12,892, counting interest, amortization, running costs and fee.