PricePinner
When you buy a house that you own outright, the price is not the whole cost. Two fees come on top.
Lagfart (stamp duty)
Lagfart is the registration of you as the new owner. For a private person, the stamp duty is a percentage of the price, plus a small fixed fee. For many buyers it is about 1.5 % of the price.
Pantbrev (mortgage deeds)
When you borrow money with the house as security, the bank needs mortgage deeds. If the house does not already have enough deeds, you pay a fee for new ones. The fee is a percentage of the amount of the new deeds.
What about flats?
When you buy a bostadsrätt, you do not pay lagfart or pantbrev. Instead, the association may charge a small transfer fee and a pledge fee.
Why it matters for your budget
On a house of 4 million kronor, these fees can be tens of thousands of kronor. Plan for them before you bid.
Check the current rules
Fees and rules can change. Check the current numbers with the land registry authority (Lantmäteriet) or your bank before you buy.