How leveraged the associations are
Debt per square metre is the fastest way to judge an association. This is the distribution among the associations we have figures for, and how to find yours.
Updated: fiscal years up to 2025
A free read on the association’s finances in seconds
The statistics build up as annual reports are parsed. The rules of thumb below apply already.
| Low debt | ≤ 5 000 kr/kvm |
| Normal debt | ≤ 10 000 kr/kvm |
| High debt | ≤ 15 000 kr/kvm |
| Very high debt | over 15,000 kr/m² |
What is a normal debt per square metre in a Swedish housing association?
As a rule of thumb, debt under 5,000 kr per square metre is low and over 10,000 kr is high. The average for existing associations sits around 7,000 kr per square metre, while new builds often run twice that.
Why does the association debt matter to a buyer?
The association pays its loans through your monthly fee. A highly leveraged association is rate-sensitive: two percentage points more on a 10,000 kr per square metre loan is roughly 1,200 kr more per month for a 70 square metre flat at full pass-through.
Where do I find my association debt per square metre?
In the management report of the annual accounts, where the key figure has been mandatory since 2023. You can also search for the association here, and we read the report for you.
Related
Terms used here
Heimer does this for you
Paste a listing and get the monthly cost, the risks to check, and what to check. In 30 seconds.
Try it free