VERA PI · Property law
Swedish property law
What you need to know about Swedish property law before you buy, sell or live in a tenant-owned flat – in plain words, with the section and a link to the law on riksdagen.se for every rule, and the 2026 amounts from Lantmäteriet and Skatteverket.
All topics (17)
- Buying a property
- Title registration and stamp duty
- Mortgage deeds
- Easements and rights of use
- Site leasehold (tomträtt)
- Renting and the Tenancy Act
- Tenant-owned flats (bostadsrätt)
- Owner-occupied flats (ägarlägenhet)
- Conversion to tenant ownership
- Estate agents and bidding
- Zoning, building permits and shore protection
- Property formation
- Property assessment and property fee
- Tax when you sell – and deferral
- Mortgages: the loan-to-value cap and amortisation
- Cohabitees, marriage and inheritance
- Heritage value
The 2026 amounts in brief
From Lantmäteriet, Skatteverket and the Act on limiting housing credit – read 21 Oct 2026.
Buying and selling
Buying a property
The purchase deed, liability for defects, the buyer's duty to inspect and hidden defects – chapter 4 of the Land Code in plain words.
For buyers · sellersTitle registration and stamp duty
What registration of title (lagfart) is, when to apply and what it costs in 2026 – stamp duty of 1.5% and a handling fee of SEK 825.
For buyersMortgage deeds
How the security for a house mortgage works in Sweden: registration, mortgage deeds and digital deeds – and what new deeds cost in 2026.
For buyers · sellersEstate agents and bidding
The agent's duties under the Estate Agents Act (2021:516), the property description, the bid list – and why no bid is binding in Sweden.
For buyers · sellersMortgages: the loan-to-value cap and amortisation
Sweden's mortgage rules from 1 April 2026 under the Act (2026:226) on limiting housing credit: a 90% cap, amortisation of 1 and 2%, the extra requirement removed.
For buyersForms of housing
Tenant-owned flats (bostadsrätt)
The Tenant-Owner Act in plain words: the association, the purchase, membership, upkeep inside and out, subletting, the economic plan and the annual report – with the 2026 changes.
For buyers · sellers · tenant-ownersOwner-occupied flats (ägarlägenhet)
Owning a flat as a property of its own: what an ägarlägenhet is, when one may be formed and how it differs from a tenant-owned flat.
For buyers · sellersSite leasehold (tomträtt)
Owning the house but renting the land from the municipality: site leasehold, ground rent, review and buying out the land under chapter 13 of the Land Code.
For buyers · sellersRenting and the Tenancy Act
The Tenancy Act (Land Code, chapter 12) in plain words: notice, security of tenure, subletting, the use-value rent – and the rules when a private person lets a home.
For tenants · sellersConversion to tenant ownership
How tenants buy their building and turn rented flats into tenant-owned ones: two thirds, registration at the address, economic plan and right of first offer.
For tenants · tenant-ownersLand, planning and building
Easements and rights of use
The right to use someone else's land – easements, rights of use and utility easements – and what a buyer should check.
For buyers · sellersProperty formation
Subdivision, partition, reallotment and amalgamation: how properties are split and changed through Lantmäteriet's cadastral procedure.
For buyers · sellersZoning, building permits and shore protection
The Planning and Building Act in plain words: the detailed plan, the building permit, the permit-free outbuildings – and the shore protection of the Environmental Code, with the 2025 changes.
For buyers · sellersHeritage value
The ban on spoiling valuable buildings and the duty of care in the Planning and Building Act, listed buildings under the Historic Environment Act – and what it means for renovations.
For buyers · sellers · tenant-ownersTax and family
Property assessment and property fee
The assessed value (75% of market value) and the municipal property fee for 2026: 0.75%, at most SEK 10,425 for a house and SEK 1,784 per flat in rental buildings.
For buyers · sellers · tenant-ownersTax when you sell – and deferral
Capital gains tax on a private home (22/30 of the gain, in effect 22%), deferral when buying a new home (cap SEK 3,000,000) and tax on letting – 2026.
For sellersCohabitees, marriage and inheritance
The home when a relationship ends or someone dies: cohabitees' property, marital property, division and registration of title – briefly.
For buyers · sellersThe laws
22 acts, each linked to the version in force on riksdagen.se. Swedish statutes carry no copyright (Copyright Act, section 9); the explanations here are VERA PI's own.
All laws (22)
- The Act on letting one's own homeSFS 2012:978
- The Act on limiting housing creditSFS 2026:226
- The Act on the right to buy a property for conversionSFS 1982:352
- The Cohabitees ActSFS 2003:376
- The Economic Associations ActSFS 2018:672
- The Environmental CodeSFS 1998:808
- The Estate Agents ActSFS 2021:516
- The Historic Environment ActSFS 1988:950
- The Income Tax ActSFS 1999:1229
- The Inheritance CodeSFS 1958:637
- The Land Code (Jordabalken)SFS 1970:994
- The Marriage CodeSFS 1987:230
- The Mortgage Deed Register ActSFS 1994:448
- The Municipal Property Fee ActSFS 2007:1398
- The Planning and Building ActSFS 2010:900
- The Real Property Assessment ActSFS 1979:1152
- The Real Property Formation ActSFS 1970:988
- The Rent-to-Own Housing ActSFS 2026:843
- The Stamp Duty ActSFS 1984:404
- The Tenant-Owner Act (Bostadsrättslagen)SFS 1991:614
- The Tenant-Owner Register ActSFS 2026:484
- The Utility Easements ActSFS 1973:1144
Where do the figures on verapi.se come from? Every source we use in Sweden – licence, updates and how we use it.
About our data in SwedenLaws change. Always check the version in force and consult a lawyer about your own case. The Swedish text of the law is the authoritative one.