First-time buyers — support and common myths

Support and incentives

Rules and programs change — always verify with Skatteverket, your municipality, and your bank. First-time buyers have historically benefited from:

• Ränteavdrag (interest cost deduction on home loans)
• Municipal housing queues (not available everywhere)
• Banks’ starter products or amortization exceptions in some cases (terms vary)

Myths to challenge

| Myth | Reality | |------|---------| | "I need 20% down" | Often 15%, but banks can require more individually | | "Variable rate is always cheapest" | Depends on rate outlook and how long you stay | | "The monthly fee doesn’t matter" | Co-op fees are a major part of housing cost |

Next steps

Work through all seven guides, follow market updates on the home page, and try the investment planner when it launches.