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Example figures · Not saved

Work out what selling your current home leaves you after tax, what loan the new one needs, and what it costs each month.

Selling your current home

Selling price

Original purchase price

Remaining loan to the bank

Costs of sale (agent, Hemnet, moving…)

Interest rate, current loan

Initial loan amount, current home

Current amortization rate

Enter monthly amortization in kr instead

Amortization today / month4 167 kr

Other costs, current home / month

e.g. avgift and running costs (bostadsrätt), or heating, water, insurance, property fee (house).

Profit before tax (after sale costs)1 380 000 kr

Capital gains tax (22 %)− 303 600 kr

Profit after tax1 076 400 kr

Defer the tax (uppskov)Move the equity from the sale to the new purchase

Cash from the sale (after loan, costs and tax)2 076 400 kr

Buying the new home

Purchase price

Equity from the sale2 076 400 kr

+ Additional equity

Your down payment (kontantinsats)2 076 400 kr

Minimum down payment is 10 %: 600 000 kr

One-time costs of buying

Existing mortgage deeds (pantbrev)

New pantbrev needed: 2 055 918 kr

Title deed (lagfart, 1.5 % + 825 kr)90 825 kr

Pantbrev cost (2 % + 375 kr)41 493 kr

Total one-time costs132 318 kr

Pay the one-time costs from my down payment

Reserve a renovation budget

Your down payment (kontantinsats)2 076 400 kr

Total one-time costs− 132 318 kr

Down payment left for the purchase price1 944 082 kr

Required loan4 055 918 kr

Loan-to-value68 %

Interest rate

Mandatory amortization: 1 %/yr

Set my own amortization rateOther costs, new home / month

Owners sharing the loans

Each owner gets 30 % deduction on up to 100 000 kr interest/yr, 21 % above.

Monthly cost of the new loan

Interest11 830 kr

Amortization3 380 kr

Interest deduction− 3 549 kr

=11 661 kr

Monthly running cost: today vs new home

	Current home	New home
Interest	5 833 kr	11 830 kr
Amortization	4 167 kr	3 380 kr
Interest deduction	− 1 750 kr	− 3 549 kr
Other costs	4 000 kr	5 000 kr
Total / month	12 250 kr	16 661 kr

Difference / month+ 4 411 kr

Current amortization uses your initial loan × rate (or your kr amount); if left at 0 it follows the requirement on remaining loan vs sale price.

Estimate under 2026 rules: 22 % tax on the profit; deferral reduced proportionally if the new home is cheaper and capped at 3,000,000 kr of profit; no yearly charge on deferred tax. Tax is due the year after the sale. Apartments have no lagfart or pantbrev.