Bolånetak

The bolånetak (mortgage cap) is the upper limit for how large a mortgage you can take with the home as security. The rest you pay yourself, and that part is your kontantinsats (cash deposit).

From 1 April 2026 the cap is 90 percent of the home’s market value when you buy a new home, up from the earlier 85 percent. In practice this means the lowest cash deposit drops from 15 to 10 percent. So on a home priced at 4 million kr you need 400 000 kr instead of 600 000 kr to get in.

If you later want to expand an existing loan (take a tilläggslån, a top-up loan), a lower limit applies: there the cap drops from 85 to 80 percent of the home’s value on the same date. That is worth keeping in mind if you plan to borrow more against the home, for example to fund a renovation.

For you as a buyer, the higher cap means you can manage the purchase with less saved capital. Still, look at the whole picture: even if you are allowed to borrow more, your monthly amount is driven by interest, amortisation and running costs, so a larger loan costs more every month.