Can Foreigners Buy Property In Sweden?

Buying Property in Sweden as a Foreigner: A Comprehensive Guide

Ever dreamt of owning a quaint cottage in the Swedish countryside or a modern apartment in the heart of Stockholm? 🏡 Well, you’re not alone. As a real estate expert, I’ve seen a surge in interest from foreigners looking to buy property in Sweden. But can foreigners actually buy property in Sweden?

The short answer is, yes!

But, as with any real estate transaction, there are a few things you need to know before diving in.

So, let’s get started!

Understanding the Swedish Property Market

Sweden, known for its stunning landscapes and innovative design, has a robust property market. The country doesn’t impose restrictions on foreigners buying property, making it an attractive option for international investors. However, it’s essential to understand the local market dynamics before making a purchase.

For instance, in major cities like Stockholm, Gothenburg, and Malmö, there’s a high demand for rental properties. On the other hand, rural areas offer affordable options for those seeking a peaceful retreat. It’s all about finding what suits your needs and budget.

Steps to Buying Property in Sweden

Buying property in Sweden is a straightforward process, even for foreigners. Here’s a step-by-step guide:

  • Find a Property: You can use online platforms, real estate agents, or even local newspapers to find properties for Sale.
  • Make an Offer: Once you’ve found a property you like, you can make an offer. In Sweden, it’s common to negotiate the price.
  • Sign a Contract: After agreeing on a price, you’ll sign a contract. It’s advisable to have a lawyer review this document.
  • Pay a Deposit: You’ll then pay a deposit, usually 10% of the purchase price.
  • Finalize the Sale: Finally, you’ll meet with the seller and a representative from the bank to finalize the sale. The remaining balance is paid, and the deed is transferred.

Financing Your Property Purchase

As a foreigner, getting a mortgage in Sweden can be a bit tricky. Swedish banks usually require you to have a Swedish personal number (personnummer) and a stable income. Some banks might also require you to be a resident. However, there are international banks and lenders who may be able to help. It’s always a good idea to explore all your financing options before making a decision.

Additional Costs to Consider

When buying property in Sweden, you should also consider additional costs such as:

  • Stamp Duty: This is a one-time tax paid by the buyer. It’s 1.5% of the purchase price for private individuals and 4.25% for legal entities.
  • Agent Fees: If you use a real estate agent, you’ll need to pay their fees. These are usually around 3-5% of the purchase price.
  • Legal Fees: If you hire a lawyer to review your contract, you’ll need to pay their fees as well.

Frequently Asked Questions

1. Can foreigners buy property in Sweden?

Yes, foreigners can buy property in Sweden. The country does not impose restrictions on foreign property ownership.

2. Do I need to be a resident to buy property in Sweden?

No, you do not need to be a resident to buy property in Sweden. However, being a resident might make it easier to get a mortgage from a Swedish bank.

3. What additional costs should I consider when buying property in Sweden?

Additional costs include stamp duty, agent fees, and legal fees. It’s also a good idea to consider ongoing costs like property taxes and maintenance.


So, can foreigners buy property in Sweden? Absolutely! With no restrictions on foreign ownership, a robust property market, and a straightforward buying process, Sweden is an attractive option for international investors and those dreaming of a Scandinavian retreat. However, it’s essential to understand the local market, consider all costs, and explore your financing options. As with any real estate investment, doing your homework is key to finding a property that suits your needs and budget. 🏡

Kurby Team

The Kurby Content Team is a diverse group of seasoned real estate experts dedicated to providing insightful, reliable information for homebuyers, real estate investors, and real estate agents. With backgrounds ranging from real estate brokerage, property investment, and residential home buying, our team combines decades of experience with a passion for demystifying the real estate world. We at Kurby are committed to helping you make informed, successful real estate decisions. Whether you're a first-time homebuyer, a seasoned investor, or a real estate professional, count on the Kurby Content Team to deliver the most relevant, actionable real estate content you need.