Swedish Villa Stamp Duty & Pantbrev Calculator 2026
Calculate exact upfront closing fees for Lagfart (title stamp duty 1.5%) and Pantbrev (mortgage deed fee 2.0%) when buying a house (villa/fastighet) in Sweden.
1. Property & Buyer Details
2. Existing Pantbrev & Buyer Type
Closing Costs Breakdown
| Lagfart Stamp Duty (1.5% + SEK 825) | SEK 75,825 |
| Pantbrev Deed Fee (2.0% + SEK 375) | SEK 45,000 |
| Annual Property Tax Cap (Fastighetsavgift) | SEK 9,525 / year (Max cap) |
Lagfart and Pantbrev fees are billed by Lantmäteriet via your bank during settlement day. Ensure sufficient liquid cash is available beyond your 10% down payment.
Frequently Asked Questions (vanliga frågor)
How much is Lagfart (stamp duty) when buying a house in Sweden in 2026?
For private individuals, Lagfart is 1.5% of the purchase price (or tax assessment value if higher) plus a SEK 825 administrative fee. For corporations, the Lagfart rate is 4.25%.
What is Pantbrev and how is it calculated?
Pantbrev (mortgage deed certificate) is a legal security pledged to the bank for a mortgage loan. The fee is 2.0% of any new mortgage amount that exceeds existing pantbrev certificates on the property, plus a SEK 375 fee.
What is the annual municipal property tax for a villa in 2026?
In 2026, the municipal property tax (kommunal fastighetsavgift) for single-family houses is 0.75% of the tax assessment value, capped at a maximum of SEK 9,525 per year.