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A samboavtal is a private agreement between sambor, unmarried cohabiting partners. The official sources support the legal framework in the Sambolag, Skatteverket legal guidance, and the practical point that sambo documents are not registered with Skatteverket in the way marriage-related documents may be. They do not validate a government template you can copy. Treat this article as a cautious checklist and sample-heading guide, not as a final legal form.
What a samboavtal is trying to do
The practical purpose is usually to change how samboegendom, sambo property, will be handled if the relationship ends. Important Swedish terms include samboavtal, sambolag, sambor, gemensam bostad, gemensamt bohag, samboegendom, and bodelning. In plain English, focus on the shared home and household goods acquired for joint use. Do not use a samboavtal as a catch-all replacement for ownership documents, loan agreements, a will, insurance beneficiary choices, or child-related arrangements.
Start with the facts
Before drafting, list the address, who owns or rents the home, when the relationship began, whether the home was bought or rented for joint use, who paid the deposit or down payment, mortgage or loan details, furniture and household goods, and whether either person brought significant items from before the relationship. If one partner owns the home but both pay ongoing costs, separate legal ownership from household contribution records. A samboavtal may not solve every fairness question by itself.
Core headings
A cautious structure can include parties, background, purpose, property covered, property excluded from bodelning, confirmation that each party has read the agreement, date, place, and signatures. Use direct language. For example: Parterna ar sambor och vill genom detta samboavtal avtala att [bostaden pa adress] och [angivna bohag] inte ska inga i en framtida bodelning enligt sambolagen. This is only sample wording for discussion.
It should be adapted to the exact property and reviewed if the value is significant.
No Skatteverket registration
The official validation specifically flags that samboavtal is not registered with Skatteverket. That point matters for couples who search for a government filing step. Keep the signed original safely, give each partner a copy, and store it with purchase documents, loan agreements, receipts, and any later amendments. Do not assume that an unfiled document is useless; also do not assume that simply storing a vague note will be enough for every dispute.
What not to put in the samboavtal
Do not try to use it as a will. Sambor do not become spouses merely by living together, and inheritance planning needs separate review. Do not use it to transfer title to a home without checking the property, loan, tax, and registration consequences. Do not hide one partner's lack of understanding behind Swedish legal words. If either person is under pressure, does not understand Swedish, or is giving up a major claim, get independent advice before signing.
Checklist before signing
Check names and personal identity details, the home address, ownership or rental documents, loan documents, purchase contracts, furniture receipts, bank transfer proof, and any earlier agreement. Decide whether the agreement excludes all samboegendom or only specified property. Decide whether both Swedish and English working translations are needed. If you use two languages, say which version controls if there is a conflict. Avoid broad wording copied from the internet if you do not understand what property it covers.
A short discussion message
Amne: Utkast till samboavtal
Hej [namn], jag vill att vi gar igenom ett samboavtal innan vi [flyttar ihop/koper bostad]. Syftet ar att tydligt ange vad som ska inga eller inte inga i en eventuell framtida bodelning. Jag foreslar att vi samlar avtal, kvitton, lanedokument och uppgifter om bostad och bohag, och tar radgivning innan vi skriver under. Vanliga halsningar, [namn]
Common mistakes
Do not call the document official government template. Do not register it with the wrong authority simply because a friend registered a marriage document. Do not forget wills, ownership shares, mortgage liability, insurance, and children. Do not write only one sentence if the property history is complicated. Do not leave old drafts floating around after a later version is signed.
Where Unwildered fits
Upload the draft samboavtal, property documents, receipts, loan records, and notes about what each person wants excluded or included. Unwildered can help turn the material into a clearer checklist and question list before legal review.
Free copyable template: This guide includes a free draft you can copy into Microsoft Word, adapt to your facts, and compare against your documents before uploading the file to Caira.
Copyable Swedish samboavtal template
Copy the wording below into Microsoft Word or Google Docs, then replace every square-bracketed section. To make a Word version, copy from the first line of the template to the signature block, paste it into Microsoft Word, then save or download it as a .docx file. Keep the surrounding explanation in this article as guidance, but use the template text as the part to copy.
SAMBOAVTAL
Parter:
[Namn, personnummer] och [Namn, personnummer].
1. Bakgrund
Parterna är sambor eller avser att bli sambor och vill reglera hur samboegendom ska hanteras vid en separation.
2. Avtal om bodelning
Parterna avtalar att sambolagens regler om bodelning inte ska tillämpas på följande egendom:
[bostad/adress]
[möbler/bohag]
[annan egendom]
3. Egendom som ska hållas utanför
Var och en behåller egendom som han eller hon äger, betalar för eller har fått genom arv, gåva eller eget sparande, om inte parterna skriftligen avtalar annat.
4. Skulder och kostnader
Varje part ansvarar för sina egna skulder. Gemensamma kostnader hanteras enligt följande: [ange].
5. Underskrifter
Detta avtal har upprättats i två exemplar.
Ort och datum: [ort, datum]
Underskrift: ____________________
Underskrift: ____________________
Example filled-in Sweden Samboavtal Template
This is a realistic example only. Do not copy the facts unless they match your situation.
SAMBOAVTAL - EXEMPEL
Parter: Sofia Andersson, 19900101-1234, och Johan Berg, 19881212-5678.
Parterna bor tillsammans i bostadsrätten på Exempelvägen 10, Göteborg. Parterna avtalar att bostadsrätten och bohag som var och en köpt före samboförhållandet inte ska ingå i bodelning enligt sambolagen.
Sofia ansvarar för sitt studielån. Johan ansvarar för sitt billån. Gemensamma boendekostnader delas lika från och med 1 juni 2026.
Göteborg, 5 maj 2026.
Sofia Andersson: ______
Johan Berg: ______
When a samboavtal needs a schedule
A short samboavtal can be enough for a simple rental flat and ordinary furniture. It becomes thin when the couple has a bostadsrätt, renovation contributions, inherited money, a parent-funded deposit, or one partner paying more because the other is studying or caring for children.
Add a schedule when the money story is uneven. The schedule should identify who paid the deposit, which furniture was bought jointly, whether renovation work increased value, and whether any transfer was intended as a gift, loan or shared investment.
List the bostad, estimated value, loan, monthly avgift and each party's contribution.
State whether inherited or gifted money remains separate.
Record large informal loans from parents, including repayment expectations.
Keep bank statements and Swish receipts with the signed agreement.
Keep the agreement aligned with real contributions
A samboavtal can feel unfair later if it ignores why one person paid less. For example, one partner may have taken parental leave, paid everyday bills while the other paid the mortgage, or contributed inherited money to renovations. The agreement should record whether those contributions create any repayment expectation.
If the couple later buys a more expensive property, revisit the agreement. A document written for a rental flat may not fit a Stockholm bostadsrätt with a parent-funded deposit and unequal loan liability.
Review after a property purchase, child birth, inheritance or large renovation.
Keep invoices for renovations and furniture.
State whether unequal payments are gifts, loans or ignored for separation.
Store signed copies where both parties can find them.
Sources
Skatteverket
Riksdag statute database
Sveriges Domstolar
This article is general information, not legal, financial, medical or tax advice.
