Repayment Plan for Tenants in Sweden
As a tenant in Sweden, sudden rental problems or missed payments can create a risk of eviction. This guide explains in plain language how you can propose a repayment plan to your landlord, which documents and receipts are important, when you should contact the Rent Tribunal or the Enforcement Authority, and how to combine a payment proposal with requests for necessary repairs. The aim is to give practical steps that help you keep your home, protect your rights and avoid rapid escalation to legal action. The information is tailored to Swedish conditions and mentions relevant authorities and deadlines so you know what applies in Sweden. Read on for concrete steps and templates.
What is a repayment plan?
A repayment plan is a written proposal to pay accrued rental arrears in installments over an agreed period. It is used to avoid immediate eviction measures and can be combined with requesting that the landlord fixes deficiencies in the dwelling. Legally, tenancy matters in Sweden are governed, among other things, by Chapter 12 of the Land Code (Jordabalken), which describes the rights and responsibilities of the parties.[3]
When can a repayment plan help?
- In cases of temporary income loss or acute payment difficulties where you can propose a reasonable repayment amount.
- When you have receipts, rent statements and other documentation showing the size of the debt.
- When you need advice from trade unions, municipal support services or legal help before reaching an agreement.
Keep all receipts and written communications as evidence.
How to propose a repayment plan
Start by calculating what you realistically can pay each month and propose a clear timeline and payment method. Present the proposal in writing and attach documentation such as rent statements and receipts. Also state how you intend to handle future rents and if you need the landlord to remedy reported defects in the apartment.
Respond promptly if the landlord replies so you do not lose the opportunity to reach an agreement.
FAQ
- Can my landlord refuse a repayment plan?
- Yes, the landlord can refuse. A well-documented written plan, however, increases the chance of reaching an agreement.
- What happens if we do not agree?
- If you do not reach agreement, you can apply to the Rent Tribunal for review or seek mediation.[1]
- Can I be evicted despite a repayment plan?
- If you follow an agreed written plan the risk is reduced, but if payments are missed the landlord can request enforcement via the Enforcement Authority.[2]
How-To
- Review your finances and calculate how much you can pay per month.
- Collect rent statements, receipts and photos showing repair needs.
- Contact the landlord in writing and propose a clear repayment plan.
- Send a written proposal specifying timeline, amounts and payment method.
- If you cannot agree, apply to the Rent Tribunal and attach documentation.[1]
- If enforcement occurs, the Enforcement Authority may become involved; seek legal support if needed.[2]
Key takeaways
- Propose a clear written plan with realistic payments.
- Keep thorough documentation of all claims and payments.
- Act promptly to avoid escalation to enforcement.
Help and Support / Resources
- Rent Tribunal — applications and e‑services
- Enforcement Authority — enforcement and payment reminders
- Parliament — legislation (Land Code Chapter 12)
