Mortgage Dictionary - Taxes and Fees

Master the language of Swedish mortgages and real estate. From belåningsgrad (loan-to-value) to handpenning (earnest money) – understand every term you'll encounter when buying a home in Sweden.

Selected Tag: Taxes and Fees

C

🇸🇪KapitalvinstskattCapital gains tax (CGT, profit tax)
Taxes and Feesone-time-costrequirements
22% tax on the profit when you sell your property. Can be deferred with rollover relief if you buy a new one.

D

🇸🇪UppskovsräntaDeferral interest (deferred tax interest)
Taxes and Feesrequirementsrecurring-cost
An annual tax on your deferred amount. Having a deferral costs money, but often cheaper than paying the tax immediately.

I

🇸🇪RänteavdragInterest deduction (mortgage interest deduction, tax relief on interest, mortgage interest relief)
Interest RatesTaxes and Feesrecurring-cost
You can deduct 30% of your interest costs on your taxes. Reduces the actual cost of your mortgage.

P

🇸🇪FastighetsavgiftProperty tax (real estate tax, municipal property fee)
Taxes and Feesrequirementsrecurring-costhouse
Annual fee for owning a house or housing cooperative apartment. Paid through taxes and affects your housing costs.

R

🇸🇪ROT-avdragROT deduction (renovation tax credit, home improvement deduction)
Taxes and Fees
Tax reduction for labor costs in renovations. Can reduce the need to borrow for renovations.

S

🇸🇪StämpelskattStamp duty (transfer tax, deed tax)
Loan-to-Value and ValuationTaxes and Feesone-time-costvacation-homerequirementshouse
The tax you pay for title registration (1.5% of purchase price) and new mortgage deeds (2% of the amount).

T

🇸🇪UppskovTax deferral (rollover relief, postponement)
Taxes and Feesapplication
Option to defer the tax on profit when you sell and buy a new property. The gain is taxed later.