How can parents help with the down payment in Sweden and what are the options?

Parents can give a gift toward the down payment ("kontantinsats") – the bank wants a gift letter ("gåvobrev") confirming it's not a loan. Alternatively, they can act as guarantor ("borgensman") or co-borrower ("medlåntagare"), but then become liable for payment. As guarantor ("borgensman"), their payment liability counts as debt in their own credit assessments ("kreditbedömningar"). The risk is significant – they can become liable for the entire loan amount ("lånebelopp"). Keep in mind gifts may affect inheritance distribution ("arvsfördelning") between siblings, so this should be regulated in the gift letter ("gåvobrev").