{"product_id":"olika-kontantinsats-sambo-skuldebrev-samboavtal-2026-2027","title":"Different Down Payments Cohabiting 2026\/2027 – Promissory Note + Cohabitation Agreement Word\/PDF","description":"\n\u003ch2\u003eDifferent Down Payments for Cohabiting Partners 2026\/2027 – Promissory Note + Cohabitation Agreement Word\/PDF\u003c\/h2\u003e\n\u003cp\u003eThis is a specialized template package for cohabiting partners or those planning to move in together who are \u003cstrong\u003epurchasing a joint home but contributing different amounts as a down payment or other equity\u003c\/strong\u003e. The package combines a cohabitation agreement with a simple promissory note and a separate calculation appendix, ensuring that both the division of property issue and the financial difference can be clearly documented.\u003c\/p\u003e\n\u003cp\u003eThe template package was \u003cstrong\u003elegally reviewed on October 4, 2026\u003c\/strong\u003e, and developed for use during \u003cstrong\u003e2026\/2027\u003c\/strong\u003e. It is specifically designed for the common situation where partners, for example, intend to own the home 50\/50, but one party pays a larger share of the down payment.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eDelivery:\u003c\/strong\u003e 4 documents in both Word (DOCX) and PDF – a total of \u003cstrong\u003e8 files and 13 A4 pages\u003c\/strong\u003e. The product is delivered digitally.\u003c\/p\u003e\n\n\u003ch3\u003eIncluded in this package\u003c\/h3\u003e\n\u003cul\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eCohabitation Agreement – different down payments 2026\/2027\u003c\/strong\u003e, 3 pages.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eSimple Promissory Note – different down payments 2026\/2027\u003c\/strong\u003e, 4 pages.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eCalculation Appendix – different down payments\u003c\/strong\u003e, 3 pages.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eDetailed User Guide\u003c\/strong\u003e, 3 pages.\u003c\/li\u003e\n\n\u003cli\u003eAll four documents in both Word and PDF.\u003c\/li\u003e\n\n\n\u003c\/ul\u003e\n\n\u003ch3\u003eWhy both a promissory note and a cohabitation agreement?\u003c\/h3\u003e\n\u003cp\u003eA home purchased for the joint use of cohabiting partners may constitute cohabitation property according to the Cohabitation Act. If the cohabitation ends and one party requests a division of property, the home may be subject to the provisions of the Cohabitation Act even if the partners paid different amounts at the time of purchase.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eThe promissory note\u003c\/strong\u003e documents the actual debt between the partners. \u003cstrong\u003eThe cohabitation agreement\u003c\/strong\u003e simultaneously stipulates that the specified home shall not be included in the division of cohabitation property, if that is the solution chosen by the parties. Thus, the documents fulfill different functions and are designed to be used together.\u003c\/p\u003e\n\n\u003ch3\u003eExample – 50\/50 ownership but different down payments\u003c\/h3\u003e\n\u003cp\u003eAssume two cohabiting partners are to own 50% of the home each:\u003c\/p\u003e\n\u003cul\u003e\n\n\u003cli\u003ePartner A pays \u003cstrong\u003e500,000 SEK\u003c\/strong\u003e as their own contribution.\u003c\/li\u003e\n\n\u003cli\u003ePartner B pays \u003cstrong\u003e200,000 SEK\u003c\/strong\u003e.\u003c\/li\u003e\n\n\u003cli\u003eTotal own contribution is 700,000 SEK.\u003c\/li\u003e\n\n\u003cli\u003eWith 50\/50 ownership, each partner's economic share is 350,000 SEK.\u003c\/li\u003e\n\n\u003cli\u003ePartner A has therefore financed 150,000 SEK more than their own share.\u003c\/li\u003e\n\n\n\u003c\/ul\u003e\n\u003cp\u003eIn this example, the debt is therefore \u003cstrong\u003e150,000 SEK from Partner B to Partner A\u003c\/strong\u003e. It is not the entire difference of 300,000 SEK, but the amount required for each party to economically bear their 50-percent share.\u003c\/p\u003e\n\n\u003ch3\u003eAlso works with other ownership shares\u003c\/h3\u003e\n\u003cp\u003eThe package is not limited to 50\/50. The calculation appendix also includes a model for, for example, 60\/40 or other ownership shares.\u003c\/p\u003e\n\u003cp\u003eWith other ownership shares, each party's target contribution is calculated based on the total own contribution and the actual ownership share. The party who has paid more than their target contribution has financed a portion of the other party's economic share.\u003c\/p\u003e\n\n\u003ch3\u003eThe Cohabitation Agreement\u003c\/h3\u003e\n\u003cp\u003eThe cohabitation agreement includes, among other things:\u003c\/p\u003e\n\u003cul\u003e\n\n\u003cli\u003eidentification of both partners,\u003c\/li\u003e\n\n\u003cli\u003eidentification of the property in question,\u003c\/li\u003e\n\n\u003cli\u003eco-operative apartment, detached house\/property, or other housing type,\u003c\/li\u003e\n\n\u003cli\u003eownership shares,\u003c\/li\u003e\n\n\u003cli\u003ea clause to exclude the home in question from the division of cohabitation property,\u003c\/li\u003e\n\n\u003cli\u003ea choice between excluding only the home or all cohabitation property,\u003c\/li\u003e\n\n\u003cli\u003ea link to the separate promissory note,\u003c\/li\u003e\n\n\u003cli\u003eclarification regarding ownership and external bank loans,\u003c\/li\u003e\n\n\u003cli\u003eprovisions on amendments and validity,\u003c\/li\u003e\n\n\u003cli\u003esignature section.\u003c\/li\u003e\n\n\n\u003c\/ul\u003e\n\u003cp\u003eA cohabitation agreement according to Section 9 of the Cohabitation Act must be in writing and signed by both partners. It is not registered with the Swedish Tax Agency or any other authority.\u003c\/p\u003e\n\n\u003ch3\u003eSimple Promissory Note\u003c\/h3\u003e\n\u003cp\u003eThe promissory note is designed as a \u003cstrong\u003esimple promissory note to a specific creditor\u003c\/strong\u003e and includes, among other things:\u003c\/p\u003e\n\u003cul\u003e\n\n\u003cli\u003ecreditor and debtor,\u003c\/li\u003e\n\n\u003cli\u003ethe home and ownership shares,\u003c\/li\u003e\n\n\u003cli\u003eeach party's actual contribution,\u003c\/li\u003e\n\n\u003cli\u003ecalculated debt amount,\u003c\/li\u003e\n\n\u003cli\u003echoice between interest-free debt and agreed interest,\u003c\/li\u003e\n\n\u003cli\u003eseveral clear models for maturity date,\u003c\/li\u003e\n\n\u003cli\u003eamortization,\u003c\/li\u003e\n\n\u003cli\u003eprepayment,\u003c\/li\u003e\n\n\u003cli\u003epenalty interest according to the Interest Act where applicable,\u003c\/li\u003e\n\n\u003cli\u003esettlement upon sale of the home,\u003c\/li\u003e\n\n\u003cli\u003ehandling if ownership shares or capital contributions change later,\u003c\/li\u003e\n\n\u003cli\u003eassignment of claim,\u003c\/li\u003e\n\n\u003cli\u003epayment history.\u003c\/li\u003e\n\n\n\u003c\/ul\u003e\n\n\u003ch3\u003eCalculation Appendix\u003c\/h3\u003e\n\u003cp\u003eA separate calculation appendix helps the parties document exactly how the debt has been calculated. It contains:\u003c\/p\u003e\n\u003cul\u003e\n\n\u003cli\u003epurchase price,\u003c\/li\u003e\n\n\u003cli\u003eownership shares,\u003c\/li\u003e\n\n\u003cli\u003ejoint mortgage and other financing,\u003c\/li\u003e\n\n\u003cli\u003eactual own contribution for each partner,\u003c\/li\u003e\n\n\u003cli\u003etarget contribution according to ownership share,\u003c\/li\u003e\n\n\u003cli\u003ecalculated over-contribution,\u003c\/li\u003e\n\n\u003cli\u003efinal debt amount,\u003c\/li\u003e\n\n\u003cli\u003eexamples for both 50\/50 and 60\/40,\u003c\/li\u003e\n\n\u003cli\u003econtrol questions and recommended documentation to save.\u003c\/li\u003e\n\n\n\u003c\/ul\u003e\n\n\u003ch3\u003eThe mortgage is a separate issue\u003c\/h3\u003e\n\u003cp\u003eThe promissory note and the cohabitation agreement regulate the partners' \u003cstrong\u003einternal relationship\u003c\/strong\u003e. They do not change the bank's rights under the mortgage agreement. If both partners are jointly liable for a loan, the bank can still demand payment according to the loan documents, regardless of the internal distribution between the partners.\u003c\/p\u003e\n\n\u003ch3\u003eInterest and delay\u003c\/h3\u003e\n\u003cp\u003eThe package makes it possible to choose that the debt shall be interest-free until the maturity date or accrue interest at an agreed rate. In case of late payment, penalty interest can be calculated according to the Interest Act.\u003c\/p\u003e\n\u003cp\u003eThe statutory penalty interest under Section 6 of the Interest Act is linked to the current reference rate plus eight percentage points. Therefore, no permanent fixed percentage is stated in the standard clause itself.\u003c\/p\u003e\n\n\u003ch3\u003eWhen might the agreements need to be updated?\u003c\/h3\u003e\n\u003cp\u003eThe documents should be reviewed if, for example:\u003c\/p\u003e\n\u003cul\u003e\n\n\u003cli\u003eownership shares change,\u003c\/li\u003e\n\n\u003cli\u003ea partner makes a larger additional capital contribution,\u003c\/li\u003e\n\n\u003cli\u003ethe partners amortize different amounts and want that difference to affect their internal finances,\u003c\/li\u003e\n\n\u003cli\u003ethe home is sold and replaced by a new one,\u003c\/li\u003e\n\n\u003cli\u003ethe debt is paid down or settled,\u003c\/li\u003e\n\n\u003cli\u003ethe partners get married,\u003c\/li\u003e\n\n\u003cli\u003ethe parties want to change what is to be included in the division of cohabitation property.\u003c\/li\u003e\n\n\n\u003c\/ul\u003e\n\n\u003ch3\u003eCo-operative apartment and house\u003c\/h3\u003e\n\u003cp\u003eThe package can be used for both co-operative apartments and real estate\/houses. The cohabitation agreement does not, however, change the registered ownership share. The ownership structure must be correctly documented in the purchase\/transfer deed and, for real estate, through correct registration of title (lagfart).\u003c\/p\u003e\n\n\u003ch3\u003eDetailed User Guide\u003c\/h3\u003e\n\u003cp\u003eThe user guide explains step by step:\u003c\/p\u003e\n\u003col\u003e\n\n\u003cli\u003ewhy the promissory note and cohabitation agreement fulfill different functions,\u003c\/li\u003e\n\n\u003cli\u003ehow the debt is calculated at 50\/50,\u003c\/li\u003e\n\n\u003cli\u003ehow it is calculated for other ownership shares,\u003c\/li\u003e\n\n\u003cli\u003ehow the cohabitation agreement is completed,\u003c\/li\u003e\n\n\u003cli\u003ehow the promissory note is completed,\u003c\/li\u003e\n\n\u003cli\u003ehow interest and maturity dates should be documented,\u003c\/li\u003e\n\n\u003cli\u003ethe difference between internal debt and the bank mortgage,\u003c\/li\u003e\n\n\u003cli\u003ewhen the agreements should be updated,\u003c\/li\u003e\n\n\u003cli\u003ecommon mistakes,\u003c\/li\u003e\n\n\u003cli\u003efinal checklist before signing.\u003c\/li\u003e\n\n\n\u003c\/ol\u003e\n\n\u003ch3\u003eCommon mistakes the package helps to avoid\u003c\/h3\u003e\n\u003cul\u003e\n\n\u003cli\u003eSetting the debt to the full difference between contributions despite 50\/50 ownership.\u003c\/li\u003e\n\n\u003cli\u003eUsing the same 50\/50 formula even if ownership shares are, for example, 60\/40.\u003c\/li\u003e\n\n\u003cli\u003eWriting only a promissory note but forgetting how the Cohabitation Act affects the home in a division of property.\u003c\/li\u003e\n\n\u003cli\u003eBelieving that the cohabitation agreement changes liability for bank mortgages.\u003c\/li\u003e\n\n\u003cli\u003eForgetting future large capital contributions or uneven amortizations.\u003c\/li\u003e\n\n\u003cli\u003eBelieving that the cohabitation agreement must be registered.\u003c\/li\u003e\n\n\n\u003c\/ul\u003e\n\n\u003ch3\u003eDeath and wills\u003c\/h3\u003e\n\u003cp\u003eA cohabitation agreement and promissory note do not regulate inheritance rights. Cohabiting partners do not automatically inherit from each other in the same way as spouses. If the goal is also to protect the surviving partner, the need for a will and any insurance solutions should be assessed separately.\u003c\/p\u003e\n\n\u003ch3\u003eLegally reviewed for 2026\/2027\u003c\/h3\u003e\n\u003cp\u003eThe documents were reviewed on \u003cstrong\u003eOctober 4, 2026\u003c\/strong\u003e, based on, among other things:\u003c\/p\u003e\n\u003cul\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eThe Cohabitation Act (2003:376)\u003c\/strong\u003e, especially the rules regarding cohabitation property, division of property, and cohabitation agreements.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eThe Promissory Notes Act (1936:81)\u003c\/strong\u003e, especially the rules regarding simple promissory notes.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eThe Interest Act (1975:635)\u003c\/strong\u003e.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eThe Contracts Act (1915:218)\u003c\/strong\u003e, in applicable parts.\u003c\/li\u003e\n\n\n\u003c\/ul\u003e\n\n\u003ch3\u003eFormat and delivery\u003c\/h3\u003e\n\u003cul\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eWord (DOCX)\u003c\/strong\u003e – fully editable documents.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003ePDF\u003c\/strong\u003e – print-ready A4 versions.\u003c\/li\u003e\n\n\u003cli\u003e\u003cstrong\u003e4 documents \/ 8 files \/ 13 A4 pages.\u003c\/strong\u003e\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eDigital delivery\u003c\/strong\u003e – no physical product is sent.\u003c\/li\u003e\n\n\n\u003c\/ul\u003e\n\n\u003ch3\u003eFrequently Asked Questions\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eDo we need both a cohabitation agreement and a promissory note?\u003c\/strong\u003e\u003cbr\u003eThey fulfill different functions. The promissory note regulates the claim while the cohabitation agreement regulates what is to be included in the division of cohabitation property.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eIs the debt always half the difference?\u003c\/strong\u003e\u003cbr\u003eNo. That is a practical formula when ownership shares are 50\/50 and only the own contribution differs. For other ownership shares, the calculation must be made against each party's target contribution.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eCan the package be used for a house?\u003c\/strong\u003e\u003cbr\u003eYes. It can be used for both real estate\/houses and co-operative apartments.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eMust the cohabitation agreement be registered?\u003c\/strong\u003e\u003cbr\u003eNo. It must be in writing and signed by both partners but is not registered with any authority.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eCan the debt be interest-free?\u003c\/strong\u003e\u003cbr\u003eYes. The template contains a clear option for an interest-free debt until the maturity date.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eDoes the promissory note change our mortgage?\u003c\/strong\u003e\u003cbr\u003eNo. The bank's rights and the parties' payment obligations according to external loan documents are not automatically affected.\u003c\/p\u003e\n\n\u003ch3\u003eImportant\u003c\/h3\u003e\n\u003cp\u003eThe template package is a general professional document framework and must be completed based on the actual financing and actual ownership shares. In cases involving large values, complex loan financing, foreign assets, children from previous relationships, or other specific circumstances, individual legal advice may be needed.\u003c\/p\u003e\n","brand":"Svenska Dokumentmallar","offers":[{"title":"Default Title","offer_id":55597098860886,"sku":"OLIKA-KONTANTINSATS-SAMBO-2026-2027","price":79.0,"currency_code":"SEK","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0827\/2373\/3846\/files\/olika-kontantinsats-sambo-2026-2027-samboavtal-skuldebrev.png?v=1791134341","url":"https:\/\/mallbutiken.se\/en\/products\/olika-kontantinsats-sambo-skuldebrev-samboavtal-2026-2027","provider":"Mallbutiken","version":"1.0","type":"link"}