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RENTING IN SWEDEN

Looking to rent in Sweden? Here are 13 websites that can help

Finding a house to rent in Sweden can be hard, especially if you are new to the country or still learning the language. The Local has put together a list of 13 sites that may help you find your next home.

Looking to rent in Sweden? Here are 13 websites that can help
Finding a house to rent in Sweden can be a difficult matter. Photo: Fredrik Sandberg/TT

Samtrygg

Since 2013, Samtrygg has been providing safe and smooth sublets in Sweden. Each year, it facilitates the subleasing of 150,000 homes at a price agreed on by both parties. Samtrygg offers payment guarantee, sublet insurance and safe contracts and there’s good news for tenants – you won’t be required to pay a deposit or an advance.

Create a free Samtrygg profile and you’ll be notified when new accommodations become available

Blocket.se

As well as being a general classifieds site for everything from cars to the furniture to fill your new home with, Blocket offers a wide range of different accommodation options, from entire houses to single rooms, all over Sweden. Click on ‘bostad’, the ‘uthyres’ category if you’re looking to sub-let, then enter what exactly you’re looking for; alternatively, you can pay to post your own advert so potential landlords can contact you directly. Blocket is in Swedish only.


Photo: Screenshot/Blocket.se

Click here to browse sublets in Sweden on Samtrygg

Bostad Direkt

This website offers second-hand housing for both private people and businesses. Available in English, though many housing descriptions are in Swedish.


Photo: Screenshot/Bostad Direkt

Qasa

This website lists houses, apartments and rooms for rent. Available in English. It’s free to use but note that if you find a rental through Qasa, a portion of the rent goes to the site – this is included in the figures on the site, but may mean prices are slightly higher than average.


Photo: Screenshot/Qasa

Residensportalen

Over 3,000 sublets, both corporate and private are available on the site. The offers range from small city apartments to large family homes, and the site also has information on avoiding rental scams and how to calculate reasonable rent. Available in English. You can also access it via The Local’s property page.


Photo: Screenshot/Residensportalen

Andrahand.se

A website that offers a list of sublets available for rent, usually accompanied by pictures. In Swedish only. It’s free to sign up to contact landlords, or you can pay extra to get advance notice of new apartments, which may increase your chances of finding something.


Photo: Screenshot/Andrahand.se

BoPunkten.se

A register where you can look for accommodation to rent all over Sweden, focussing mainly on rooms in shared apartments and smaller apartments. To contact landlords, you need to sign up as a member, which costs 495 kronor for three months. In Swedish only.


Photo: Screenshot/BoPunkten.se

The Local’s Noticeboard

The forum enables you to search for accommodation, advertise available apartments or rooms and put out appeals for available apartments all over Sweden.


Photo: Screenshot/The Local noticeboard

Student housing

The Swedish Student Accommodation Association

The association runs a useful site to help students search for accommodation in all Swedish university towns and cities. You can choose the town or city you are interested in and see which companies offer student housing around that area. In Swedish only, but the linked websites may offer English language options.


Photo: Screenshot/Sök Studentbostad

Click here to browse sublets in Sweden on Samtrygg

Studentstaden

Owned by Uppsalahem AB (Uppsala’s leading housing company), the site offers over 3,000 student rooms and student apartments all over Uppsala. 


Photo: Screenshot/Studentstaden

Stifelsen Stockholms Studentbostäder

Stockholm’s biggest student housing provider, with nearly 8,000 rooms and apartments all over Stockholm, which are rented out through a waiting-list system. For the entire duration of the tenancy, you must be a member of the Student Union connected to the Stockholm Studenters Central Organization (the organization checks your status daily). Available in English.


Photo: Screenshot/SSSB

Studentbostäder

The website provides a list that shows numerous student housing agencies around Sweden so you can look for accommodation near you. In Swedish only, but some of the linked websites offer English language options.


Photo: Screenshot/Studentbostäder

Studentlya.nu

Sweden’s largest housing site for students. Landlords have the chance to rent out rooms and in some cases entire apartments on the site. Studentlya doesn’t own the properties themselves, but helps students find accommodation by connecting them to landlords. In Swedish only.


Photo: Screenshot/Studentlya

Click here to browse sublets in Sweden on Samtrygg

For members

MONEY

How you can lower the monthly cost of your Swedish mortgage

It’s no secret that mortgages in Sweden have become more expensive over the last year or so, as interest rates have risen following high inflation. But did you know there’s a way you can lower your monthly mortgage cost?

How you can lower the monthly cost of your Swedish mortgage

Essentially, when you take out a loan in Sweden, the government gives you a discount on the interest you pay, in the form of a tax rebate.

This doesn’t include interest paid on all types of loans – for example, student loans are not included – but it does include your mortgage.

In order to qualify for the discount, referred to as ränteavdrag (interest deduction) or skatteavdrag (tax deduction), you need to fulfil some requirements: 

  • You’ve paid income tax and at least 1,000 kronor in interest in the last taxation year
  • You have a capital deficit (meaning that your interest costs must be greater than any capital income you’ve earned through interest or dividends)
  • You are either partly or wholly responsible for the loan or mortgage in question

If there are two of you who are both named on the mortgage who fulfil these requirements, you’ll each receive 50 percent of the total tax rebate.

The interest deduction is automatically subtracted from your yearly tax and listed in your yearly declaration, if you fulfil the requirements, meaning you’re likely to get it back as a lump sum when tax season rolls around in April.

How much do I get?

The actual sum you get back varies depending on how much tax and interest you’ve paid during the year, but there are some general calculations which can give you a guideline of what you might get.

You’ll get 30 percent of your interest costs back on the first 100,000 kronor you pay in interest over a year, and 21 percent on anything over 100,000 kronor. 

If there are two of you, you each have your own individual tax deduction, even if you’re paying the same loan, so as a pair you’ll get back 30 percent on the first 200,000 kronor, as well as 21 percent on anything over this figure.

To figure out how much you’ll get, you need to first find out how much interest you’ve paid during the year your declaration covers and subtract this figure from your capital income earned through interest or dividends.

If your figure is negative, that means you can subtract this figure from your tax paid during the year. Bear in mind that if you owe tax, then your interest deduction amount will be used to pay it back first, lowering the total amount you receive.

You can also change the proportion of the deduction applied to each partner if you share a mortgage, dividing it 60/40 or 70/30, for example, if you don’t share the mortgage 50/50. You can do this through your bank or by manually changing the figures in your tax declaration.

I don’t understand. How does this make my monthly mortgage payments cheaper?

Here’s where something called skattejämkning comes in. This literally translates as “tax equalisation”, and it’s a way you can spread your tax rebate for interest costs out over a year, lowering your mortgage costs each month rather than of getting a lump sum in the form of a tax rebate during tax declaration season.

In order to equalise your tax, you’ll need to contact the Tax Agency directly, filling out a form with the catchy title of SKV 4302 – Jämkning (ändring av preliminär A-skatt) or using their Jämkning online service.

To do this, you’ll need to have in-depth figures on things like your salary, pension payments, sick pay and any other income like unemployment benefit or maternity or paternity payments, as well as capital income and any business income for the tax year you’re applying for, as well as your expected income for the rest of the year.

If your application is accepted, the Tax Agency will tell your employer to subtract less tax from your payslip each month, effectively meaning that you get your tax rebate for interest costs back in your monthly pay instead of getting it paid out all at once.

Bear in mind that if you do go down this route it’s important that your calculations are correct. If you accidentally overestimate your interest payments or underestimate your tax owed, you could end up being hit with a hefty tax bill once your declaration comes through.

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