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Cohabitation agreement – templates in Word, PDF & Excel

Compare cohabitation agreement templates for different situations – from a standard agreement to condominium ownership, unequal down payments, a cohabitation agreement combined with a promissory note, and property division after separation. The templates are editable and available in Word, PDF...

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Which cohabitation agreement fits your situation?

A cohabitation agreement is used to opt out of the Swedish Cohabitation Act’s property-division rules in whole or in part. Choose a template based on what you want to regulate – a standard agreement, a condominium, unequal down payments, or property division after a separation.

Standard

Cohabitation agreement – standard template

For cohabitants or prospective cohabitants who want to agree that property division will not take place, or to limit which cohabitation property should be included.

View template Condominium · one owner

When one of you owns the condominium

For situations where the home is owned by one person and you want to clarify how the home should be treated between you.

View template Condominium

Cohabitation agreement for a condominium

For couples who want to regulate property-division issues concerning a condominium used as their joint home.

View template Unequal down payment

Cohabitation agreement + promissory note

For couples who financed the home unequally and want to combine property-division rules with documentation of a debt between the cohabitants.

View template After separation

Property division agreement for cohabitants

For documenting the actual division of property after the cohabitation relationship has ended. This is not the same as a cohabitation agreement.

View template English

Cohabitation agreement under Swedish law

English version for cohabitants who want to regulate property division under Swedish law and need the agreement in English.

View template

The Swedish Cohabitation Act in practice

What can a cohabitation agreement actually regulate?

The Swedish Cohabitation Act mainly covers the cohabitants’ joint home and household goods when the property was acquired for joint use. Under Section 9 of the Act, cohabitants or prospective cohabitants may agree that property division will not take place or that specified property will be excluded from a future division.

A cohabitation agreement does not transfer ownership and does not turn other property – such as a car, savings or shares – into cohabitation property. If you contributed different amounts toward a joint home, a promissory note may be relevant as a complement, depending on the financial result you want to achieve.

Once the cohabitation relationship has ended and property is actually being divided, a property division agreement is instead used to document the division.

Questions before signing

Frequently asked questions about cohabitation agreements

These are the questions that most often determine which template fits and whether an additional document is needed.

What counts as cohabitation property?

Mainly a joint home and household goods acquired for joint use. Other property, such as cars, bank funds, shares and holiday homes, is normally not covered by the Cohabitation Act’s property-division rules simply because you are cohabitants.

Must a cohabitation agreement be witnessed or registered?

The Swedish Cohabitation Act requires the agreement to be in writing and signed by both cohabitants or prospective cohabitants. The Act does not require witnesses, and there is no registration requirement corresponding to the one that applies to prenuptial agreements.

Can we sign a cohabitation agreement after moving in together?

Yes. Cohabitants and prospective cohabitants may enter into a cohabitation agreement. It can also be replaced or amended by a new agreement if your circumstances change.

Is a home excluded from property division just because one person is the owner?

Not necessarily. A central question under the Cohabitation Act is whether the home was acquired for joint use. Ownership and how the home was acquired therefore need to be considered together with what you want the agreement to regulate.

Do we need a promissory note if we paid different down payments?

It depends on the financial result you want to achieve. A cohabitation agreement primarily regulates what should be included in a property division, while a promissory note can document a debt and repayment obligation between you. The documents are therefore often used together when down payments differ.

What is the difference between a cohabitation agreement and a property division agreement?

A cohabitation agreement is entered into before or during the relationship to affect a future property division. A property division agreement is used after the relationship has ended to document the actual division of cohabitation property.

Do cohabitants automatically inherit from each other?

No. Cohabitants do not have the same automatic inheritance rights as spouses. A cohabitation agreement does not create inheritance rights. If you want the surviving cohabitant to inherit, the inheritance issue normally needs to be addressed through a will, taking into account matters such as children’s statutory reserved share.

How long do you have to request property division after a separation?

As a main rule, a request for property division must be made no later than one year after the cohabitation relationship ended. Special time limits apply in the event of death and are linked to the estate inventory.

Practical workflow

From template to a well-considered cohabitation agreement

01

Decide what you want to achieve

Identify which home and household goods may qualify as cohabitation property and whether you want to exclude property division entirely or only for specified property.

02

Match the agreement to your finances

Check ownership, loans and down payments. If your financial contributions differ, a promissory note may need to complement the cohabitation agreement if you want to document a repayment obligation.

03

Sign, store and review

Both parties must sign the agreement. Keep a copy each and review the arrangement when you buy a new home, change ownership shares or make major financial changes.

Read more before you sign

Read our guides on cohabitation property, property division, unequal down payments and the one-year time limit. Also remember that cohabitants do not automatically inherit from each other; if needed, inheritance should be addressed separately, for example through a will.

Read guides on cohabitation agreements View will templates →

Guides on cohabitation agreements, property division & Swedish cohabitation law

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