Your share of the association's loan

How we calculate

A housing association's loan is paid by the members through the monthly fee. Your share of the debt in practice follows your living area: the debt per square metre times your area is a loan you take over at purchase, even though it never shows in your own loan picture. Two apartments at the same price can therefore carry very different amounts of debt.

Find the debt in the annual report

Look up the association's interest-bearing debt in the balance sheet and divide by the total living area. Many annual reports state the debt-per-square-metre ratio directly in the multi-year overview. As a rule of thumb, 5 000 kr per square metre or less counts as low, above 10 000 as high and above 15 000 as very high.

The debt-adjusted price per square metre

A low-priced apartment in a highly indebted association can be more expensive than it looks. Add the association’s debt per square metre on top of the price per square metre, and apartments in different associations land on one shared scale and become genuinely comparable.

The pass-through arrives in steps

The calculator counts full pass-through: the whole debt at the new rate. In reality the association's interest costs rise as the loans are refixed, so the fixed-rate terms decide how quickly it reaches your fee. An association with a solid buffer can also absorb part of the cost from its cash flow rather than raising the fee. Ask the association when the large loans are refixed.