Housing costs are more than the loan
Interest is visible, but fees, running costs, amortisation, title deed costs and mortgage deeds all pull from the same household account.
Start at the bank account, not the listing
Set the monthly limit before comparing homes. Not the bank maximum, but the level where groceries, transport, children, insurance and savings still fit.
Similar homes can carry different risk
A cheaper flat with a high fee can be heavier than a pricier one with stable costs. Compare monthly pressure, not just the asking price.
Moving in eats cash
Down payment gets attention, but title deed fees, mortgage deeds, overlap costs and moving expenses often arrive together.
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Estimate pantbrev costs by calculating new mortgage deed needs, the 2% stamp duty, and the fixed SEK 375 registration fee.
Shows how much of your loan is covered by existing deeds and the exact fee for any new pantbrev you need.
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Estimate how much of your annual interest charges you receive back through the Swedish ränteavdraget rules.
Shows the split between 30% and 21% brackets and your effective cost after tax.
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Estimate take-home pay after municipal tax, state income tax, church tax and voluntary pension savings.
Includes Swedish state tax, church tax and municipality selection.
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