SEK 239,200 left after closing—enough for a studio and lease uncertainty?

S

SimpleLane

First-time buyer
Established
After the deposit and estimated closing costs, we should have about SEK 239,200 left for moving, furniture and surprises. The studio appears maintained, although we know the inspection cannot rule out every expense in the first year. We also still need to understand whether the lease length could mean extra costs or affect the decision.

The mortgage payment looks comfortable on our current budget. Would you proceed with this reserve, or delay and save more? I’m especially interested in the costs that tend to arrive around moving day, including the first mortgage payment, service charges and insurance excess.
 
SEK 239,200 sounds potentially workable, but only if “left” really means after every completion and moving cost, not just the headline closing estimate. I’d separate the money immediately: an untouchable emergency fund, a moving allowance and a small furniture amount. Furniture can be bought gradually; a mortgage payment or repair cannot usually be postponed.
 
Before deciding, what is the remaining lease length, and have you checked whether any building work or unusual service charges are expected? Those could matter more than the condition inside the studio. I’d also ask the lender exactly when the first mortgage payment is collected, because its timing may be different from the later monthly pattern.
 
I’d be cautious about judging the reserve by the total alone. SEK 239,200 can look generous until moving, basic furnishings and an insurance excess all compete for it. Work out how much remains after those items, then compare that remainder with several months of essential household costs. If the mortgage is only comfortable while both incomes and all other expenses remain unchanged, I would build more breathing room.
 
There’s also a case against delaying automatically. Waiting has costs and uncertainties too, while most furniture is optional at first. Make a pre-closing list with three columns: must pay immediately, likely within the first year, and can wait. Get moving quotes, confirm service-charge dates, ask the insurer about the applicable excess, and use the inspection findings to price only the urgent work. The remaining lease question should be resolved separately rather than buried in the general emergency budget.
 
My dividing line would be whether you still have a genuine emergency fund after moving and the first round of unavoidable payments. If yes, proceed without trying to furnish the studio all at once. If not—or if the lease length or future building costs remain unclear—pause until those points are answered. The purchase deadline should not turn unanswered questions into assumed affordability.
 
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