Buying your first home here is confusing. This walks you through it gently — enter what you find on Hemnet, learn the words as you go, and get one clear, honest call.
A bostadsrätt means you own a share in a housing association (a BRF) and the right to live in your flat — most Swedish flats are this. An äganderätt (freehold) means you own the place outright, no association. Freehold has no monthly fee but you pay for all repairs yourself.
Bostadsrätt owners pay a monthly fee to the BRF for shared costs. A low avgift looks great — but check why it's low before you celebrate.
The BRF's yearly accounts. The two numbers that matter most: how much debt the association carries per m², and how much of that debt reprices soon. Both are in there — ask the broker if you can't find them.
Driftkostnad is your running cost — electricity, water, heating, broadband. Besiktning is the home inspection; its findings are real future money, so always read it.
Start with the basics from the listing. Don't know something yet? Leave it blank — it gets flagged, never guessed.
Drag to set how much each thing counts. No need to total 100 — it balances itself.
A decision aid, not financial or legal advice. Every figure is the one you entered; blanks are flagged NOT YET VERIFIED rather than estimated. The cost figure is a like-for-like comparison proxy, not your real mortgage — always read the full årsredovisning, get a lånelöfte from your bank, and commission a besiktning before signing.
The honest Swedish home decision tool.