Investing in Real Estate in Sweden: Understanding the Market Before You Start

Published on and written by Cyril Jarnias

Investing in real estate in Sweden is attracting a growing number of European and international savers. A market known for its stability, a highly protective legal framework, a solid economy, strong rental demand, openness to foreigners… On paper, everything seems to be in place for building a long-term wealth strategy. But the reality is more nuanced: a marked price correction in 2022–2023, high household debt, strict rent controls, a construction sector in crisis, and strong regional disparities.

Good to know:

For a French-speaking investor, it is essential to understand the general mechanics of the Swedish market, to select the right locations and suitable investment structure, without neglecting local regulations (notably rental and tax laws). The analysis should be based on macroeconomic indicators, prices and yields by city, the legal and tax framework, as well as medium-term trends.

A real estate market that is both very mature and in a recovery phase

The first characteristic of Swedish real estate is its institutional stability. The country has a AAA credit rating with a stable outlook, a diversified economy (technology, industry, renewable energy, services) and a high standard of living. The population is about 10.5 million, of which 88% live in urban areas: massive urbanization that structurally fuels housing demand.

In the long term, the price trajectory is spectacular. Since the mid-1990s, housing prices have more than tripled (approximately +260% in nominal terms, +178% adjusted for inflation). Successive booms have followed: strong growth between 1996 and 2007, another surge between 2012 and 2017, then a jump of over 30% between 2019 and 2021, fueled by low interest rates and remote work.

16

This is the percentage drop in real estate prices in Sweden between the peak in 2022 and the end of 2023, marking the sharpest correction since the 1990s crisis.

Since 2024, the cycle has entered a new phase of stabilization and gradual recovery. Key interest rates have come down to around 2–2.25%, mortgage rates for new loans now average around 2.8–3.1%, and price increases are back, but at a moderate pace. In 2024, prices overall rose by about 5% after the 2022–2023 fall, and by early 2025 the national index shows an annual increase of around 2–3% for houses and nearly 5% for apartments.

This evolution is clearly reflected in the recent dynamics of the housing price index:

IndicatorValue / Trend
Cumulative price drop (Q1 2022–Q4 2023)–10.8% (approx. –23% in real terms)
Annual recovery early 2025 (houses)+2 to +3%
Annual recovery early 2025 (apartments)~+5%
Housing index increase Q1 2025 (year-on-year)+2.86%
Maximum index decline (March 2023)–6.9% year-on-year
Historic high increase (September 2007)+14.8% year-on-year

Most major institutions (banks, public agencies, consulting firms) now converge towards a scenario of moderate price growth for 2025–2026, on the order of 2 to 5% per year nationally, with no anticipated bubble burst. Northern regions and university towns are expected to perform even better, in the range of 3 to 7% annually, driven by infrastructure projects, the growth of green industries, and the development of remote work.

A generally supportive but mixed macroeconomic environment

Beyond just the real estate market, one must consider the overall health of the Swedish economy. After a mild recession in 2023, growth has resumed: about +1% in 2024, with forecasts near 1.9–2.2% per year for 2025 and 2026 according to the European Commission and the IMF. Inflation, which had surged above 8% in 2022, fell back to around 0.2% in spring 2025, well below the Riksbank’s 2% target. In practice, wages are now rising faster than prices, gradually restoring household purchasing power.

Caution:

Sweden’s economic resilience is accompanied by a very high level of private debt. In 2024, household debt represents about 151% of their gross income and is close to 86% of GDP, placing the country among the most indebted in the OECD. For new borrowers, monthly payments absorb on average nearly 18% of disposable income, a significant increase compared to previous years.

Simultaneously, the labor market is tightening. The unemployment rate, around 7.5% in 2022, climbed to 8.4% in 2024 and then about 9.7% in spring 2025. Nothing alarming at this stage – public debt remains moderate, around 33–34% of GDP – but this encourages the Riksbank to ease monetary policy while remaining vigilant. For the real estate investor, this environment translates into a compromise: falling interest rates, supporting demand and prices, but more fragile households, which can weigh on the payment capacity of the most indebted tenants.

A highly regulated market but extremely open to foreign investors

For a non-resident, Sweden has a major feature: its almost complete openness to foreign investment. Unlike many European countries, there are no specific restrictions on the number of properties, their location, or their value. Foreigners, whether individuals or companies, can buy houses, apartments, commercial premises, or second homes under the same legal conditions as Swedes.

Good to know:

There is no specific surtax for non-resident buyers, nor any prior approval process. Local authorization may be required for the acquisition of agricultural land or large rural properties, but this rarely concerns residential rental investment projects.

However, purchasing a property grants no special rights regarding residence. Sweden does not offer a “golden visa” linked to real estate. Owning an apartment in Stockholm or a house in Malmö does not lead to obtaining a residence permit or accelerated naturalization. To live permanently in the country, one must go through standard procedures (qualified employment, local business, investor visa for a company, etc.), which may potentially align with a real estate strategy but do not depend directly on it.

Tip:

The legal framework for transactions in Sweden is very secure, notably thanks to the Land Code (Jordabalken) which regulates property rights in detail. The Lantmäteriet agency maintains comprehensive and accessible land registers. The country regularly ranks among the most transparent in international indices related to real estate and corruption.

Three main types of ownership to understand

Before even considering yields, a French-speaking investor must grasp the particularity of Swedish ownership forms, very different from the “freehold vs. condominium” logic familiar in France.

They are mainly distinguished as follows:

– Äganderätt (Freehold/Fee Simple): the equivalent of classical ownership of a single-family house, including the land. The owner holds the property directly and pays an annual property tax calculated at 0.75% of the tax-assessed value, with a cap. This format is less common for apartments but can exist in some newer developments.

Good to know:

The Bostadsrätt is the predominant form of ownership for apartments in Sweden. The buyer acquires a share in a housing cooperative association, which grants them the exclusive right to occupy a specific dwelling. In return, they pay a monthly fee (avgift) that covers the maintenance of common areas, certain utilities (like heating and water), and the cooperative’s debt service. Legally and fiscally, it is a hybrid status between a condominium and a cooperative.

– Hyresrätt (Tenancy): the tenant does not have ownership, only a lease strongly protected by law.

Caution:

For an investor, it is essential to note that in a bostadsrätt (housing cooperative), renting out the dwelling is not an automatic right. Prior approval from the association’s board of directors is mandatory. This approval is often granted for a limited period (e.g., 6 to 12 months, renewable), particularly for “second-hand” rentals or subletting. This point is critical for any rental portfolio project in a cooperative, as a refusal from the association can completely compromise the intended business model.

Prices and yields vary greatly by city

The Swedish real estate market is far from homogeneous. The gaps between the capital, major secondary cities, university towns, and northern regions are considerable, both in price levels and rental yields.

Stockholm: Prime market, modest yield

Stockholm concentrates most of the attention from international investors. The political and financial capital, a technological and cultural hub, a metropolis with constant demographic growth, the city offers a market depth rare in Scandinavia. It is also the most expensive market in the country.

Some approximate figures help gauge the level:

Stockholm AreaAverage Apartment Price (€/m²)Average Gross Rental Yield
City Center (prime neighborhoods)~€9,700–10,000~4.2%
Sought-after suburbs (Solna, Nacka, Sundbyberg…)lower levels, but still high3–5%
Entire Stockholm County (average house)~6.7–7.0 M SEK2–4% (in practice)

In the center, a 60 m² apartment easily trades for around €585,000 or more. Rents remain high – about 12,000 SEK per month for a 1-bedroom, 16,000 SEK for a 2-bedroom, 20,000–22,000 SEK for a 3-bedroom –, but the strict rent control framework and scarcity of regulated supply limit long-term upside potential.

The result, for a classical rental investor (long-term lease), is an average gross yield around 4%, sometimes less than 3% in the most sought-after segments. After deducting management fees, association fees, maintenance, and taxes, the net yield frequently falls into the 2–3% range. Stockholm is therefore typically a market for long-term capital appreciation rather than immediate cash flow.

Gothenburg (Göteborg): Major port and good yields

Sweden’s second city and largest port in Scandinavia, Gothenburg combines industrial traditions, a major university, and strong cultural dynamism. The city is also betting on ambitious urban renewal projects like Älvstaden and the development of the Hisingen district.

5500

Average price per m² for an apartment, significantly lower than Stockholm.

Gross yields there are noticeably more attractive:

CityAverage Apt. Price (€/m²)Average Gross Rental Yield
Gothenburg~€5,446~5.0%
Gothenburg Center (studios, 1-bed)Moderate prices, high rentsUp to ~6.8–7.7%

Small units located in the city center can exceed 6–7% gross yield, making it an interesting playing field for an investor seeking a balance between yield and appreciation potential. Price increase prospects are around 3–4% per year medium-term according to several forecasts.

Malmö: High yields and the Öresund Bridge effect

Sweden’s third city and one of its most multicultural, Malmö benefits from its strategic position in the south of the country, directly connected to Copenhagen by the Öresund Bridge. The city has seen the emergence of a startup and services ecosystem and attracts many young professionals.

Prices there are still relatively accessible: around €2,500 per m² for housing, making it one of Sweden’s most affordable major cities. Meanwhile, rents are rising rapidly: +7.9% in 2024 for new leases, and an average gross yield above 6%.

IndicatorIndicative Value in Malmö
Average housing price (€/m²)~€2,500
Average gross rental yield~6.0–6.1%
Annual rent evolution (2024)+7.9%
Average 1-bedroom rent~9,000 SEK / month
Average 2-bedroom rent~12,000 SEK / month

Some waterfront neighborhoods like Västra Hamnen, undergoing full redevelopment, show gross yields ranging between 4.4% and over 7%, with sustained demand for both long-term rentals and furnished short-term rentals, driven by tourism and business travel.

Uppsala and Lund: The champions of university yield

University towns are a pillar of the Swedish rental market. Uppsala, the country’s fourth city and a major university town just a few dozen kilometers north of Stockholm, combines several decisive advantages: strong demand for student and young professional housing, a dynamic job market, quality of life, and major infrastructure projects, like the extension of the railway line to Stockholm.

7

Uppsala offers the highest gross rental yields among Sweden’s major cities, around 7% on average.

Lund, another major university town focused on research and innovation, presents a similar profile. Prices per square meter are lower than in Stockholm, hovering around €4,400–5,800 depending on the source, but demand is driven by over 47,000 full-time students and the rise of neighborhoods like Science Village, where values increased about 6.5% in 2023. Investors like Wihlborgs Fastigheter are injecting hundreds of millions of kronor, and a recent tram line further improves accessibility.

Northern regions: Rapid growth and very high yields

For several years, the northern part of the country has experienced a true real estate renaissance. The Upper Norrland region shows the country’s strongest price increase, around +12.6% year-on-year by mid-2025, with prices still between €1,500 and €3,000 per square meter and rental yields reaching up to 8.5%. It’s a rare cocktail in Europe: strong value growth, reasonable entry prices, and high rental profitability.

Example:

The Swedish example illustrates a regional dynamic supported by several drivers: massive investments in green energy and mining (notably in the cities of Luleå and Kiruna), the development of remote work enabling qualified careers outside major metros, and still competitive real estate prices for households. Regions like Northern Central Sweden or Småland are experiencing annual price increases of 6 to 8.5% and offer rental yields around 6.8 to 7.2%, while maintaining intermediate price levels.

Globally, the average gross yields observed in Sweden are around 5.5–5.6%, but with significant dispersion:

Geographic SegmentTypical Gross Rental Yield
Stockholm center~2–4%
Stockholm periphery~3–5%
Gothenburg~5% (up to >7% for small units in center)
Malmö~6%
Uppsala (university)~7% (up to >8%)
Northern regions / small towns6.5–8.5%

To translate these figures into net yield, one generally subtracts 1.5 to 2 percentage points (fees, maintenance, management, ongoing taxation), resulting in, for example, 3–4% net in Malmö or Uppsala, versus sometimes barely 2% in the heart of Stockholm.

Structurally tight rental demand, but highly regulated

One of the major assets for an investor in Sweden is the chronic tightness of the rental market in most major urban areas. Residential vacancy rates in urban areas often hover below 3%, with occupancy rates above 97% for many neighborhoods. In Stockholm, waiting lists for regulated housing can stretch for hundreds of months – some queues exceed 300 months, or over 25 years.

20

Between 2009 and 2019, rents increased by about 20%, a rise significantly higher than inflation over the same period.

But this dynamism is strongly channeled by a very strict regulatory arsenal. Sweden built, post-war, a system of rent control and tenant protection that is particularly advanced:

Tip:

The Swedish rental market is heavily regulated to protect tenants. Reference rents are negotiated annually between landlord and tenant organizations, following the principle of “reasonable rent” indexed to the public housing stock to prevent excesses. For furnished housing, a markup is possible but generally capped at around 15%. Security deposits are regulated and limited to the equivalent of three months’ rent. Leases are often indefinite, with strictly defined grounds for termination. In case of dispute, such as a rent deemed excessive or wrongful eviction, it is possible to refer the matter to a specialized tribunal, the Hyresnämnden.

For an investor, all this translates into very strong occupancy security and quasi-guaranteed demand in major cities, but also limited ability to “upgrade” rents quickly over the years. Moreover, short-term rentals like Airbnb, although potentially 20 to 50% more profitable than traditional leases, are increasingly regulated by some municipalities, particularly in Stockholm.

Mortgage credit: Interest rates easing, but strict rules

Access to credit is a central element of transaction profitability. In Sweden, authorities have gradually implemented over the past fifteen years a highly regulated framework aimed at containing systemic risk, without stifling home ownership.

Today, several key elements structure the market:

– Loan-to-Value (LTV) ratio cap: As a general rule, a resident individual can borrow up to 85% of the property value, the rest must be provided as equity. A proposal to raise it to 90% is under consideration but not yet in force. For a foreign investor, banks often require a larger down payment, in the range of 20 to 40%, or more depending on the profile.

Good to know:

Since 2016, a loan with an LTV (loan-to-value) ratio exceeding 70% must be amortized by at least 2% per year, and at least 1% if the LTV is between 50 and 70%. Since 2018, an additional 1% annual amortization is required for borrowers whose debt exceeds 4.5 times their gross income. A temporary exemption was implemented during the pandemic and lifted in 2021; easing measures are currently being discussed.

– Interest rates: After peaking at nearly 4.8–5% in late 2023, rates on new loans gradually retreated to around 3.1% on average in spring 2025, with a forecast trend between 2.6 and 2.8% for 2026. Variable-rate loans (indexed to references like STIBOR) are predominant: nearly 3 out of 4 borrowers have chosen a fixed-rate period of less than one year. For foreign investors, banks often apply a small risk premium, on the order of 0.5–1 percentage point more than for a resident.

Tip:

For non-residents, obtaining a mortgage in Sweden is possible but more complex. Major banks (Swedbank, SEB, Handelsbanken, Nordea) generally require a concrete link to the country: a residence permit, employment with a Swedish employer, a personal identity number (personnummer), or a local banking history. Without these elements, lenders may cap the loan-to-value (LTV) ratio around 60-70%, or even refuse financing. Investors wishing to act quickly are therefore advised to consider cash purchases or financing secured by assets in their home country.

Real estate taxation: No wealth or inheritance tax, but real taxation

From a tax perspective, Sweden combines several advantages for the wealth investor – absence of real estate wealth tax, abolition of inheritance and gift tax – with fairly firm treatment of rental income and capital gains.

Recurring property taxes

Two main mechanisms should be distinguished:

– Municipal (or state) tax on owner-occupied residential properties: For a house occupied by its owner in freehold, a rate of 0.75% of the tax-assessed value is applied, with an annual cap. For apartments held in an association (bostadsrätt), the rate is lower, around 0.3%, also capped. New buildings often benefit from a 15-year exemption, significantly reducing holding costs.

– Tax on non-residential buildings: Commercial or industrial buildings bear higher rates (1% for commercial, 0.5% for industrial), mainly concerning corporate real estate.

Rental income

Rent received by a non-resident individual is taxed in Sweden at the flat rate of 30% on net income. This net income is calculated after a standard deduction of 40,000 SEK per property and an additional 20% deduction of gross receipts for single-family houses (for cooperative apartments, deduction rules differ). Mortgage interest, management, and maintenance costs are also deductible.

Good to know:

For small rental operations, the taxable base is significantly reduced compared to the rent collected. Swedish tax residents apply the same principle but must declare all their worldwide income and refer to tax treaties in case of residence in multiple countries.

For companies (Aktiebolag) holding properties, rental profits fall under the corporate tax base at a rate of 20.6%. This structure can offer advantages (broader deductibility, possibility to transfer shares rather than the building to optimize transfer duties) but requires specialized advice.

Real estate capital gains

Upon resale, gains realized on a residential property held by an individual are generally taxed at 22% in Sweden (effective rate after a calculation mechanism including a deduction on gross gain). Acquisition costs, renovation costs, and disposal costs (agency fees, etc.) are taken into account to determine the net capital gain. Deferral mechanisms exist when the seller reinvests in another principal residence in Sweden or within the European Economic Area, under certain conditions.

Good to know:

For a non-resident investor accumulating several properties in Sweden, it is crucial to anticipate both Swedish taxation and the rules of their country of residence. This helps avoid double taxation and make the best use of tax credits provided by bilateral treaties.

Purchase process: High transparency, but the “caveat emptor” principle

Another striking feature of the Swedish market is how a transaction unfolds. In theory, everything is done to ensure transparency: almost all properties go through regulated professional agencies, listing portals (Hemnet, Booli, etc.) are very comprehensive, and standard procedures are well-established.

Concretely, the typical process looks like this:

– Search and viewing: Viewings often take the form of “open houses”, where several potential buyers attend during the same time slot. Essential information is provided in advance (floor plan, size, fees, cooperative description, any planned renovations).

Good to know:

In Sweden, real estate sales often go through a system of open bidding (budgivning). Each new buyer can outbid, and the agent relays the list of offers to all participants. It is crucial to know that these bids are not legally binding until the final contract is signed. The seller retains the right to change their mind, choose another buyer (e.g., for a safer financial profile), or even withdraw the property from sale.

– Purchase agreement: Once an offer is accepted, a contract (köpekontrakt) is signed, usually accompanied by a 10% deposit. At this stage, the commitment becomes binding. It is highly recommended to involve a notary or lawyer, even if it’s not legally mandatory for individuals.

Tip:

In the UK, the principle of “caveat emptor” (let the buyer beware) prevails, making systematic inspections less common than in France. It is the buyer’s responsibility to meticulously check the property’s condition (structure, roof, installations…). Recourse is very limited for problems discovered after the sale that could have been detected. It is therefore strongly recommended, especially for older properties, to hire an independent inspector before any commitment.

– Transfer and registration: At the handover of keys, the buyer pays the balance of the price, and a transfer deed (köpebrev) formalizes the conveyance. The application for title registration (lagfart) is then submitted to Lantmäteriet, with payment of the stamp duty and registration fees. For an individual, overall transaction costs generally range between 2 and 5% of the price (excluding any agency fees, paid by the seller).

The entire process, from first viewing to final registration, takes on average between one and three months. For a foreign investor paying in cash, everything can go even faster.

Investment strategies: Where and how to position in Sweden?

Based on these elements, several strategies emerge for a French-speaking investor wishing to position themselves in the Swedish market.

1. Bet on long-term appreciation in Stockholm

The first consists of targeting central Stockholm neighborhoods – Östermalm, Vasastan, Södermalm, Kungsholmen – or well-connected, sought-after suburbs (Solna, Nacka, Sundbyberg) by betting on supply scarcity and long-term demand depth. Immediate yield will be low there, especially if strictly adhering to rent regulations. However, history shows that corrections there have always been made up in the long term, with cumulative real increases of over 90% between 2009 and 2021, even after the recent sharp decline.

This approach requires significant financial resources (substantial equity, high borrowing capacity despite amortization requirements) and accepting limited or even neutral cash flow in the first years. It suits patient wealth profiles, who plan to hold their properties for 10 to 20 years.

2. Yield/risk arbitrage in major secondary cities

Gothenburg and Malmö constitute more balanced grounds. Prices are high enough there to ensure some liquidity and a deep rental market, but reasonable enough to generate gross yields of 5 to 6%, sometimes more on well-located small units. These cities benefit from specific economic dynamics (Göteborg port, Malmö–Copenhagen cross-border hub, urban regeneration projects, etc.) and a significant university presence.

Tip:

An effective strategy involves acquiring one or several recent studios or two-room apartments, located in neighborhoods well-served by transport, offering good amenities, and benefiting from strong rental demand. Prioritize properties with optimized layouts (little wasted space) and good energy performance. This approach can achieve net yields above 3%, with realistic rent appreciation potential in the medium term.

3. Focus on university towns to maximize yield

For investors whose priority is rental profitability, university towns stand out slightly. Uppsala and Lund, already mentioned, offer a unique mix: intermediate prices, structurally strong demand (students, PhDs, young researchers, startups), regular influx, infrastructure projects. Gross yields close to 7–8% are not exceptional for small units or buildings divided into shared housing.

45 to 50

Projected total returns over 5 to 10 years for well-selected real estate assets outside Stockholm’s center.

4. Explore the north for a yield + growth combination

Finally, northern regions – Upper Norrland, Northern Central Sweden – appeal to profiles ready to go off the beaten path. Entry prices are low there, often between €1,500 and €3,000 per square meter, for gross yields that can climb to 8–8.5%, with price increases that lately far exceed the national average.

This type of strategy requires accepting lower liquidity, a sometimes narrower rental market, and a stronger dependence on certain major employers (mining industry, energy projects). In return, it is arguably where the best “yield + growth” combinations in the country are found today, provided dynamic towns rather than declining peripheries are selected.

Management, risks, and specific points of vigilance

Investing in Sweden also involves mastering some specific risks, often underestimated by foreign investors.

– Rental regulation: The legal framework on rents and leases is the most structuring element. Any strategy relying on rapid rent increases or high tenant turnover to adjust prices is illusory. One must accept a long-term perspective, with tightly controlled rent adjustments.

– Power of cooperative associations (bostadsrättsföreningar): For a cooperative apartment, the ability to rent out depends largely on the board of directors, which can refuse a rental deemed contrary to the bylaws. A thorough study of an association’s finances, bylaws, and internal rules is therefore essential before purchase.

Caution:

For a euro-based investor, income (rents and capital gains) is received in SEK. This currency has undergone strong fluctuations: -12.5% against the euro between early 2022 and end-2023, then +8.7% over the following 20 months. The timing of operations can thus significantly amplify or reduce the final performance.

– Household debt and sensitivity to interest rates: While the recent drop in rates has provided relief, a significant portion of households remains fragile, and dependence on variable rates is high. A new interest rate or economic shock could lead to an increase in payment defaults and additional pressure on prices.

Good to know:

Since 2023, Sweden has been experiencing a major construction crisis (“byggkris”), marked by a historic drop in housing starts. This situation is due to soaring construction costs, more expensive financing, and a drop in demand. Housing starts have fallen by over 40% in some categories, deliveries have plummeted, and costs have reached record levels. In the short term, this limitation of new supply supports prices. However, it creates a risk of aggravated shortage in a few years, with increased pressure on prices and rents, particularly in major cities.

– Remote management: Given the complexity of tenancy law, language, and the very particular functioning of cooperative associations, it is highly recommended to use professional managers, especially for short-term rentals or series operations. Full management fees generally range between 8 and 12% of rents, sometimes plus letting fees.

In summary: A sophisticated, demanding but opportunity-rich market

Investing in real estate in Sweden is far from an exotic bet. The country combines many fundamentals sought by long-term investors: institutional stability, transparency, absence of confiscatory wealth taxes, strong rental demand, a well-regulated but accessible credit market, great openness to foreigners. The recent 2022–2023 corrections have also helped purge some of the excesses of the previous decade, without leading to a systemic crisis.

Tip:

To succeed in entering the Swedish real estate market, one must accept certain constraints: moderate yields in Stockholm, strict rent controls, the crucial importance of the cooperative framework (bostadsrätt) for apartments, and the need for professional management. The best yield/risk compromises are currently found in university towns like Uppsala and Lund, major secondary cities like Göteborg and Malmö, as well as in some very dynamic northern regions.

Over a 5 to 10-year horizon, the combination of average gross rental yields around 5.5–6%, an expected price increase of 2 to 5% per year nationally (more in developing areas), and a generally strong currency in a country with low public debt offers an attractive framework for a patient investor, ready to comply with a demanding but predictable regulatory environment.

Tip:

For a French-speaking investor, the key is to seriously immerse oneself in the Swedish legal, tax, and rental framework before any commitment. It is crucial to surround oneself with local professionals (lawyer, tax advisor, manager, real estate agent) and to choose locations aligned with one’s risk profile. Under these conditions, Swedish real estate can form a solid pillar of a European diversification strategy, combining legal security, long-term visibility, and exposure to a highly innovative economy.

Disclaimer: The information provided on this website is for informational purposes only and does not constitute financial, legal, or professional advice. We encourage you to consult qualified experts before making any investment, real estate, or expatriation decisions. Although we strive to maintain up-to-date and accurate information, we do not guarantee the completeness, accuracy, or timeliness of the proposed content. As investment and expatriation involve risks, we disclaim any liability for potential losses or damages arising from the use of this site. Your use of this site confirms your acceptance of these terms and your understanding of the associated risks.

About the author
Cyril Jarnias

Cyril Jarnias is an independent expert in international wealth management with over 20 years of experience. As an expatriate himself, he is dedicated to helping individuals and business leaders build, protect, and pass on their wealth with complete peace of mind.

On his website, cyriljarnias.com, he shares his expertise on international real estate, offshore company formation, and expatriation.

Thanks to his expertise, he offers sound advice to optimize his clients' wealth management. Cyril Jarnias is also recognized for his appearances in many prestigious media outlets such as BFM Business, les Français de l’étranger, Le Figaro, Les Echos, and Mieux vivre votre argent, where he shares his knowledge and know-how in wealth management.

Find me on social media:
  • LinkedIn
  • Twitter
  • YouTube