Guarantee / Personal Guarantee 2026/2027 – Lease Agreements & Commercial Agreements Word/PDF

Suretyship / Guarantee as for Own Debt 2026/2027 – Rental Agreements & Commercial Contracts

This is a complete template package for suretyship and guarantees as for own debt (proprieborgen) under Swedish law. The package includes both a general/commercial guarantee template and a specific version for residential or commercial lease agreements, plus a detailed user guide.

The template package was legally reviewed on October 4, 2026, and developed for use during 2026/2027. It specifically takes into account Chapter 10 of the Swedish Commercial Code as well as the special rules regarding security and guarantees for rent in Chapter 12, Sections 28 and 28a of the Swedish Land Code.

Delivery: 3 documents in both Word (DOCX) and PDF – a total of 6 files and 10 A4 pages.

Included in this package

• General Suretyship / Guarantee as for Own Debt 2026/2027 – 4 pages.
• Suretyship for Rental Agreements 2026/2027 – 3 pages.
• Detailed User Guide – 3 pages.
• All three documents in both Word and PDF.

Proprieborgen – guarantee as for one's own debt

In a proprieborgen (guarantee as for own debt), the guarantor assumes the principal debtor's debt as if it were their own. Once the secured obligation has fallen due, the creditor may direct claims against either the debtor or the guarantor within the scope of the guarantee.

The template is therefore clearly marked as proprieborgen and should not be confused with a simple guarantee, where the payment liability is triggered in a different manner.

General and commercial suretyship

The general version can be adapted for, for example:

• commercial supply and cooperation agreements,
• corporate debts and private debts,
• commercial premises leases,
• other clearly identified payment obligations.

The document contains structured fields for the principal agreement, principal debtor, creditor, guarantor, amount limit, term, interest, collection costs, future obligations, and multiple guarantors.

Amount-limited or clearly defined guarantee

The template allows for the specification of a maximum principal amount and the ability to mark separately whether interest, default interest, or legally recoverable collection costs should be included in addition to the amount limit.

It is also possible to specify which principal agreement is covered and the period for which the commitment applies. This reduces the risk of subsequent disputes regarding the scope of the guarantee.

Amendments to the principal agreement

A guarantor should not have to bear a completely different or significantly greater risk than the one accepted at the time of signing without explicit consent. The template therefore includes a specific clause stating that significant expansions of the principal debtor's obligations must be handled explicitly.

There are also fields to indicate whether normal index or rent adjustments, renewal periods, or other future changes should be covered.

Multiple guarantors

If two or more people provide a guarantee without a reservation for shared liability, Chapter 10, Section 11 of the Commercial Code states that they are jointly and severally liable. The package therefore includes a clear choice between:

• joint and several liability, or
• shared liability according to an explicitly stated distribution.

Specific template for rental agreements

The rental version is divided so that the user must specify whether the security applies to:

• residential apartment, or
• commercial premises.

This is important because residential and commercial leases do not have identical rules.

Residential rent – mandatory right of termination

When a guarantee has been provided as security for a residential apartment lease, the guarantor has a special statutory right under Chapter 12, Section 28a of the Land Code.

The guarantor may terminate the commitment so that it ceases at the end of the month occurring closest after nine months from the notice of termination, but no earlier than at a time occurring two years after the guarantee commitment began to apply. A contractual term that restricts this right is void.

The rental template therefore includes specific fields for the start date, the two-year limit, and where a notice of termination from the guarantor should be sent.

Commercial rent

For commercial leases, the residential rule in Section 28a does not apply. Instead, Chapter 12, Section 28 of the Land Code regulates the situation where collateral or a guarantee as security for a commercial lease agreement deteriorates. The tenant may then, under the conditions of the law, be required to provide new security, and failure to provide new security may have consequences for the lease agreement.

The template package therefore keeps residential and commercial premises clearly separate.

Which obligations can be covered?

The user can select, for example:

• principal claim or unpaid rent,
• agreed additions and fees,
• agreed interest,
• default interest,
• legally recoverable collection costs,
• other specifically stated payment obligations.

Term and future obligations

For a general guarantee, there are fields to specify whether the commitment applies until full payment, until a certain date, or according to another defined time point. For ongoing principal agreements, the parties can also specify whether the guarantor has the right to terminate the commitment for future obligations.

Such termination does not automatically mean that liability for obligations already incurred disappears. Therefore, the template clearly distinguishes between existing debt and future obligations.

Claims against the guarantor

The package recommends that a claim clearly specifies:

• which principal obligation has not been fulfilled,
• due date,
• principal claim,
• interest and costs,
• how the requested amount has been calculated.

Recourse after payment

If the guarantor pays the principal debtor's debt, the right of recourse against the principal debtor may be triggered. The template package explains this in the user guide but does not fully regulate complicated recourse, security, or co-guarantor relationships.

Detailed user guide included

The guide covers, among other things:

1. the difference between proprieborgen and simple guarantee,
2. how the principal obligation is identified,
3. amount limitation and term,
4. multiple guarantors,
5. the residential rent special rule in Section 28a of the Land Code,
6. commercial rent and Section 28 of the Land Code,
7. amendments to the principal agreement,
8. claims against the guarantor,
9. recourse after payment,
10. common mistakes and final checklist.

Legally reviewed for 2026/2027

The documents were reviewed on October 4, 2026, based on, among other things:

• Chapter 10, Sections 8–12 of the Swedish Commercial Code.
• Chapter 12, Section 28 of the Swedish Land Code – security for commercial rent.
• Chapter 12, Section 28a of the Swedish Land Code – residential rent guarantee and the guarantor's mandatory right of termination.
• The Contracts Act (1915:218).
• The Interest Act (1975:635), where relevant.

Format and digital delivery

• Word (DOCX) – fully editable.
• PDF – print-ready A4 format.
• 3 documents / 6 files / 10 A4 pages.
• Digital product – no physical item is sent.

Frequently asked questions

What does proprieborgen mean?
The guarantor has assumed the debt as for their own, which means the creditor can direct claims directly against the guarantor once the secured obligation has fallen due.

Can I set a maximum amount?
Yes. The template has specific fields for the maximum principal amount and what may potentially be added beyond that amount.

Can the template be used for residential rent?
Yes. A separate rental version is included and contains the mandatory rule for residential rent under Chapter 12, Section 28a of the Land Code.

Can the same rental template be used for commercial premises?
Yes, but the user explicitly marks whether the object is residential or commercial, as the rules differ.

Is this the same as a simple guarantee?
No. The package is intended for proprieborgen. The template shop previously has a separate template for a simple guarantee.

Important

A guarantee can entail extensive financial responsibility. The templates are general documentation templates and must be adapted to the principal agreement, amount, term, and the actual risk. In cases of large amounts, consumer credit, bankruptcy risk, or complex security arrangements, individual legal advice should be sought.