A
- 🇸🇪MäklararvodeAgent commission (realtor fee, brokerage fee)
- Real Estate Agentsone-time-costnegotiationnegotiable
- What the agent costs, usually a percentage of the price or a fixed amount. Paid by the seller.
- 🇸🇪UppläggningsavgiftArrangement fee (setup fee, origination fee, loan setup fee)
- Interest Ratesone-time-costnegotiationnegotiable
- A one-time fee when you take out a new loan. Can sometimes be negotiated away, especially when switching banks.
B
- 🇸🇪BesiktningsmanBuilding inspector (surveyor, home inspector)
- Loan-to-Value and Valuationone-time-cost
- Expert who examines the property's condition. Choose one who is certified and has liability insurance.
- 🇸🇪BygglovBuilding permit (planning permission)
- Land and Plotsapplicationone-time-costvacation-homerequirementsnew-constructionhouse
- Permission from the municipality to build. Without a permit, you cannot build new or make major changes.
C
- 🇸🇪KapitaltillskottCapital contribution (special assessment, capital call)
- Housing Cooperativehousing-cooperativeone-time-cost
- When members must contribute extra money, often for major renovations. Can be an unwelcome expense.
- 🇸🇪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.
- 🇸🇪Auktoriserad fastighetsvärderareCertified property appraiser (licensed valuer, chartered surveyor)
- Valuationone-time-cost
- Certified expert in valuing properties. May be needed in disputes or special situations.
D
- 🇸🇪HandpenningsavtalDeposit agreement (earnest money contract)
- one-time-costTransfer
- Agreement that earnest money is paid as security for the purchase. The deposit is forfeited if you back out without valid reason.
- 🇸🇪KontantinsatsDown payment (deposit, equity, cash deposit)
- Loan-to-Value and Valuationone-time-costrequirements
- At least 10% of the purchase price (lowered from 15% since April 2026) that you must pay with your own money. Cannot be borrowed as a mortgage.
E
- 🇸🇪HandpenningEarnest money (deposit, good faith deposit)
- Buying and Sellingone-time-cost
- Part of the purchase price paid immediately at contract signing, usually 10%. Shows you're serious.
M
- 🇸🇪PantbrevMortgage deed (mortgage certificate, title deed)
- Loan-to-Value and Valuationone-time-costvacation-homerequirementshouse
- A certificate proving that the property can be used as loan collateral. Either already exists in the property or new ones must be issued.
- 🇸🇪PantbrevskostnadMortgage deed fee (mortgage registration fee)
- Loan-to-Value and Valuationone-time-costvacation-homerequirementshouse
- 2% of the mortgage deed amount paid to the government when new deeds are issued. A one-time cost when buying.
P
- 🇸🇪Lösa lånPay off loan (redeem loan, discharge mortgage)
- Discounts and Negotiationone-time-cost
- Paying off the entire loan, either because you're selling the property or switching banks. Check if there's a prepayment penalty.
- 🇸🇪RänteskillnadsersättningPrepayment penalty (early repayment charge, break cost, redemption fee)
- Interest Ratesone-time-cost
- A fee you may need to pay if you pay off a fixed-rate loan early. Compensates the bank for lost interest income.
- 🇸🇪BesiktningProperty inspection (survey, home inspection, building survey)
- Loan-to-Value and Valuationone-time-cost
- A technical examination of the property before purchase. Can reveal hidden defects and affect the price or whether you want to buy.
- 🇸🇪KöpeskillingPurchase price (sale price, consideration)
- Buying and Sellingone-time-costnegotiation
- The price you pay for the property. What you need to finance with down payment and mortgage.
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).
- 🇸🇪AvstyckningSubdivision (lot split, parcel division)
- Land and Plotsone-time-costvacation-homehouse
- Dividing a property into several parts, for example selling a piece of the plot. Requires approval from Lantmäteriet.
T
- 🇸🇪LagfartTitle registration (title deed, deed of ownership)
- Loan-to-Value and Valuationapplicationone-time-costvacation-homerequirementshouse
- Registration of you as the owner with Lantmäteriet (Land Registry). Mandatory when buying property.
A
- 🇸🇪MäklararvodeAgent commission (realtor fee, brokerage fee)
- Real Estate Agentsone-time-costnegotiationnegotiable
- What the agent costs, usually a percentage of the price or a fixed amount. Paid by the seller.
- 🇸🇪UppläggningsavgiftArrangement fee (setup fee, origination fee, loan setup fee)
- Interest Ratesone-time-costnegotiationnegotiable
- A one-time fee when you take out a new loan. Can sometimes be negotiated away, especially when switching banks.
B
- 🇸🇪BesiktningsmanBuilding inspector (surveyor, home inspector)
- Loan-to-Value and Valuationone-time-cost
- Expert who examines the property's condition. Choose one who is certified and has liability insurance.
- 🇸🇪BygglovBuilding permit (planning permission)
- Land and Plotsapplicationone-time-costvacation-homerequirementsnew-constructionhouse
- Permission from the municipality to build. Without a permit, you cannot build new or make major changes.
C
- 🇸🇪KapitaltillskottCapital contribution (special assessment, capital call)
- Housing Cooperativehousing-cooperativeone-time-cost
- When members must contribute extra money, often for major renovations. Can be an unwelcome expense.
- 🇸🇪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.
- 🇸🇪Auktoriserad fastighetsvärderareCertified property appraiser (licensed valuer, chartered surveyor)
- Valuationone-time-cost
- Certified expert in valuing properties. May be needed in disputes or special situations.
D
- 🇸🇪HandpenningsavtalDeposit agreement (earnest money contract)
- one-time-costTransfer
- Agreement that earnest money is paid as security for the purchase. The deposit is forfeited if you back out without valid reason.
- 🇸🇪KontantinsatsDown payment (deposit, equity, cash deposit)
- Loan-to-Value and Valuationone-time-costrequirements
- At least 10% of the purchase price (lowered from 15% since April 2026) that you must pay with your own money. Cannot be borrowed as a mortgage.
E
- 🇸🇪HandpenningEarnest money (deposit, good faith deposit)
- Buying and Sellingone-time-cost
- Part of the purchase price paid immediately at contract signing, usually 10%. Shows you're serious.
M
- 🇸🇪PantbrevMortgage deed (mortgage certificate, title deed)
- Loan-to-Value and Valuationone-time-costvacation-homerequirementshouse
- A certificate proving that the property can be used as loan collateral. Either already exists in the property or new ones must be issued.
- 🇸🇪PantbrevskostnadMortgage deed fee (mortgage registration fee)
- Loan-to-Value and Valuationone-time-costvacation-homerequirementshouse
- 2% of the mortgage deed amount paid to the government when new deeds are issued. A one-time cost when buying.
P
- 🇸🇪Lösa lånPay off loan (redeem loan, discharge mortgage)
- Discounts and Negotiationone-time-cost
- Paying off the entire loan, either because you're selling the property or switching banks. Check if there's a prepayment penalty.
- 🇸🇪RänteskillnadsersättningPrepayment penalty (early repayment charge, break cost, redemption fee)
- Interest Ratesone-time-cost
- A fee you may need to pay if you pay off a fixed-rate loan early. Compensates the bank for lost interest income.
- 🇸🇪BesiktningProperty inspection (survey, home inspection, building survey)
- Loan-to-Value and Valuationone-time-cost
- A technical examination of the property before purchase. Can reveal hidden defects and affect the price or whether you want to buy.
- 🇸🇪KöpeskillingPurchase price (sale price, consideration)
- Buying and Sellingone-time-costnegotiation
- The price you pay for the property. What you need to finance with down payment and mortgage.
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).
- 🇸🇪AvstyckningSubdivision (lot split, parcel division)
- Land and Plotsone-time-costvacation-homehouse
- Dividing a property into several parts, for example selling a piece of the plot. Requires approval from Lantmäteriet.
T
- 🇸🇪LagfartTitle registration (title deed, deed of ownership)
- Loan-to-Value and Valuationapplicationone-time-costvacation-homerequirementshouse
- Registration of you as the owner with Lantmäteriet (Land Registry). Mandatory when buying property.
A
- 🇸🇪MäklararvodeAgent commission (realtor fee, brokerage fee)
- Real Estate Agentsone-time-costnegotiationnegotiable
- What the agent costs, usually a percentage of the price or a fixed amount. Paid by the seller.
- 🇸🇪UppläggningsavgiftArrangement fee (setup fee, origination fee, loan setup fee)
- Interest Ratesone-time-costnegotiationnegotiable
- A one-time fee when you take out a new loan. Can sometimes be negotiated away, especially when switching banks.
B
- 🇸🇪BesiktningsmanBuilding inspector (surveyor, home inspector)
- Loan-to-Value and Valuationone-time-cost
- Expert who examines the property's condition. Choose one who is certified and has liability insurance.
- 🇸🇪BygglovBuilding permit (planning permission)
- Land and Plotsapplicationone-time-costvacation-homerequirementsnew-constructionhouse
- Permission from the municipality to build. Without a permit, you cannot build new or make major changes.
C
- 🇸🇪KapitaltillskottCapital contribution (special assessment, capital call)
- Housing Cooperativehousing-cooperativeone-time-cost
- When members must contribute extra money, often for major renovations. Can be an unwelcome expense.
- 🇸🇪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.
- 🇸🇪Auktoriserad fastighetsvärderareCertified property appraiser (licensed valuer, chartered surveyor)
- Valuationone-time-cost
- Certified expert in valuing properties. May be needed in disputes or special situations.
D
- 🇸🇪HandpenningsavtalDeposit agreement (earnest money contract)
- one-time-costTransfer
- Agreement that earnest money is paid as security for the purchase. The deposit is forfeited if you back out without valid reason.
- 🇸🇪KontantinsatsDown payment (deposit, equity, cash deposit)
- Loan-to-Value and Valuationone-time-costrequirements
- At least 10% of the purchase price (lowered from 15% since April 2026) that you must pay with your own money. Cannot be borrowed as a mortgage.
E
- 🇸🇪HandpenningEarnest money (deposit, good faith deposit)
- Buying and Sellingone-time-cost
- Part of the purchase price paid immediately at contract signing, usually 10%. Shows you're serious.
M
- 🇸🇪PantbrevMortgage deed (mortgage certificate, title deed)
- Loan-to-Value and Valuationone-time-costvacation-homerequirementshouse
- A certificate proving that the property can be used as loan collateral. Either already exists in the property or new ones must be issued.
- 🇸🇪PantbrevskostnadMortgage deed fee (mortgage registration fee)
- Loan-to-Value and Valuationone-time-costvacation-homerequirementshouse
- 2% of the mortgage deed amount paid to the government when new deeds are issued. A one-time cost when buying.
P
- 🇸🇪Lösa lånPay off loan (redeem loan, discharge mortgage)
- Discounts and Negotiationone-time-cost
- Paying off the entire loan, either because you're selling the property or switching banks. Check if there's a prepayment penalty.
- 🇸🇪RänteskillnadsersättningPrepayment penalty (early repayment charge, break cost, redemption fee)
- Interest Ratesone-time-cost
- A fee you may need to pay if you pay off a fixed-rate loan early. Compensates the bank for lost interest income.
- 🇸🇪BesiktningProperty inspection (survey, home inspection, building survey)
- Loan-to-Value and Valuationone-time-cost
- A technical examination of the property before purchase. Can reveal hidden defects and affect the price or whether you want to buy.
- 🇸🇪KöpeskillingPurchase price (sale price, consideration)
- Buying and Sellingone-time-costnegotiation
- The price you pay for the property. What you need to finance with down payment and mortgage.
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).
- 🇸🇪AvstyckningSubdivision (lot split, parcel division)
- Land and Plotsone-time-costvacation-homehouse
- Dividing a property into several parts, for example selling a piece of the plot. Requires approval from Lantmäteriet.
T
- 🇸🇪LagfartTitle registration (title deed, deed of ownership)
- Loan-to-Value and Valuationapplicationone-time-costvacation-homerequirementshouse
- Registration of you as the owner with Lantmäteriet (Land Registry). Mandatory when buying property.