Sweden's bridging loans: 3 months between homes can cost SEK 12,750
Borrow SEK 1,200,000 at 4.25% and three months of interest cost SEK 12,750. If the loan is unsecured, there is no tax relief from 2026: SEK 3,825 lost.
News: Tax and deductions
Selling a home in Sweden: a SEK 50,000 agent fee or 1.5% of the price?
On a home that sells for SEK 4,000,000 the fixed fee is SEK 10,000 cheaper. A commission staircase can instead give the agent 10% of all above a threshold.
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 home sale tax: 22% on your 2025 gain, file by 4 May 2026
A SEK 1,000,000 gain costs SEK 220,000 in tax. The agent's fee, stamp duty and improvements cut the gain, and a deferral puts the tax off.
Sweden's interest deduction: SEK 84,000 in interest gives SEK 25,200
The deduction is 30% on up to SEK 100,000 of interest and 21% above. Approve your return by 31 March 2026 and the money arrives 7-10 April 2026.
Swedish down payment loans: no tax relief from 2026, SEK 12,000 a year
A SEK 150,000 personal loan at 8% costs SEK 12,000 a year, with no tax relief from 1 January 2026. Banks also count it when they test your mortgage.