Term · Housing

Lagfart (title deed)

Figures for tax year 2026Updated September 2026

Definition

Lagfart is the official registration that you own a property (fastighet). When you buy a house you apply for lagfart at Lantmäteriet, and it triggers a stamp duty (stämpelskatt). For private individuals the duty is 1.5% of the purchase price, plus a fixed administrative fee. Lagfart applies to real property such as houses, not to a bostadsrätt.

What it costs

The stamp duty is 1.5% of the higher of the purchase price and the property's assessed value (taxeringsvärde) from the year before, rounded down to the nearest thousand kronor. On top comes an administrative fee of 825 kr. A house at 4 million kr therefore means 60,000 kr in stamp duty plus the fee. For legal entities, such as a company, the duty is higher: 4.25%.

When you pay it

You apply for lagfart within three months of the purchase, and the stamp duty is invoiced when the application is granted. It is a one-off cost at purchase, not something recurring. Note that lagfart and pantbrev are two separate fees that both appear when you buy a house, alongside the amortisation requirement, so count on all of them when you budget for the extra costs.

Not for a bostadsrätt

If you buy a bostadsrätt you pay no lagfart and no stamp duty. That is because you are not buying the property itself but a share in the housing cooperative (bostadsrättsförening), which in turn owns the building. Lagfart and pantbrev therefore apply only when you buy a house or other real property.

Worked example

You buy a house for 4,500,000 kr. Stamp duty: 1.5% × 4,500,000 = 67,500 kr. Administrative fee: 825 kr. Total lagfart cost: 68,325 kr. On top of that, new pantbrev for the mortgage carry the same 2% duty, so a 3,600,000 kr mortgage needing new pantbrev adds another 72,000 kr. Budget for both when planning your purchase.

Calculate further

Source: Lantmäteriet (stamp duty and fees). Yearly figures reference the tools' shared constants, so they stay current.