Tenant Repayment Plan for Renters in Sweden

As a tenant in Sweden you may sometimes face financial difficulty that causes rent to be delayed. A repayment plan can help avoid eviction by agreeing on a schedule to repay the debt with your landlord or the Rent Tribunal. This guide explains step by step how to request a repayment plan, what information may be needed, what applies to maintenance and repair obligations, and which deadlines and authorities can assist. The information is intended for tenants who want to protect their rights, document payments and avoid legal consequences in a simple and practical way. Read on for practical advice on communicating with your landlord, written agreements and what to do if you receive an enforcement notice from the Enforcement Authority.

What is a repayment plan?

A repayment plan is a written agreement on how unpaid rent will be repaid over time. In many cases the plan is based on a proposal from the tenant and a dialogue with the landlord. Legally, issues about rent and obligations relate to the Code of Land (Jordabalken) chapter 12.^[1]

When can you request a repayment plan?

• Unpaid rent due to temporary financial hardship.
• Costs for necessary repairs that affect your ability to pay.
• Misunderstandings about payments or incorrect receipts.

How do you request a repayment plan?

Always start by contacting the landlord in writing and propose a realistic schedule. State how much you can pay each month, when payments start and how previous debts will be handled. If maintenance issues are involved, describe which repairs affect your living conditions and who is responsible for costs under the tenancy agreement.

1. Contact the landlord by phone or email and request a meeting or written response.
2. Propose a payment plan with amounts and dates for each installment.
3. Put the proposal in writing and keep a copy as evidence.
4. Document payments with receipts or bank statements when you pay.
5. If you cannot agree, you can apply to the Rent Tribunal for mediation or a decision.^[2]

What happens if the landlord refuses?

If the landlord rejects your request you can turn to the Rent Tribunal for mediation or a formal decision. If a judgment or decision leads to enforcement, the Enforcement Authority may become involved.^{[2] [3]}

Frequently Asked Questions

Can I get a repayment plan without the landlord's approval?

You can propose a plan, but the landlord must approve it in writing or the case can be reviewed by the Rent Tribunal.

How do repairs affect my right to a repayment plan?

If repairs affect the standard of habitation it may be reasonable to discuss reduced rent or compensation together with a repayment plan.

Which authorities can help me?

The Rent Tribunal assists with disputes about rent and agreements, and the Enforcement Authority handles enforcement of payment claims.

How to

1. Call or write to the landlord to start a dialogue.
2. Send a written proposal with amounts, dates and duration.
3. Keep copies of all communication and payment receipts.
4. Seek help from the Rent Tribunal if you cannot agree.^[2]

Help and support / Resources

• [1] Domstol.se - Rent Tribunal and forms
• [2] Riksdagen.se - Code of Land (Chapter 12)
• [3] Enforcement Authority - Enforcement and information

1. [1] Riksdagen - Code of Land (Chapter 12)
2. [2] Domstol - Rent Tribunal and e-services
3. [3] Enforcement Authority - Enforcement and support