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Information about Tenant-Owner associations

In this part of the website you will find information about tenant-owner associations and our process about reorganisation, new production and mortgages to members.


All tenant-owner associations can invest their surpluses in an SBAB account - without fees and at excellent interest rates.

Tenant-owner association

SBAB offers tenant-owner associations loans for multi-dwelling housing in Sweden. Security for the loan consists of mortgages in the property of up to 75 percent of the market value.

New production

SBAB finances new production. We coordinate the whole finance in order for it to be as secure as possible from construction start to moving in.


In conjunction with conversion to a tenant-owner association, tenants are given an opportunity to buy their apartment at a considerably lower price than the market is prepared to pay for the apartment.