Financial plan

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In a housing cooperative, there must be a financial plan. The plan should contain information that is significant for assessing the cooperative's operations.

A financial plan is usually prepared when a housing cooperative buys a new property or during the conversion to a housing cooperative.

The plan must be registered with the Swedish Companies Registration Office (Bolagsverket) before the apartments are allocated as housing cooperatives.

If significant changes occur in the cooperative after the financial plan has been registered, which affect the assessment of the cooperative's operations, the cooperative cannot allocate housing cooperatives until a new financial plan has been prepared and registered with Bolagsverket.

Before the financial plan is registered with Bolagsverket, it must be reviewed by two independent certifiers certified by the National Board of Housing, Building, and Planning (Boverket) who are responsible for verifying the factual information in the plan and assessing whether the plan is financially sustainable.

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The National Board of Housing, Building, and Planning (Boverket) has recently issued new guidelines (General Recommendations) on how the financial plan should be structured.

These new general recommendations include several new requirements for the financial plan and for how certifiers should operate. However, the main impact of the directives is that Boverket has now taken a firm stance and drawn conclusions from a prolonged discussion on how to maintain strong consumer protection when a housing association allocates apartments in new constructions and during conversions from rental properties.

Forum has the expertise to assist associations with the preparation of economic plans and certification. Despite the short time we've had, Forum has developed new documents and internal guidelines for how the work should be carried out in response to Boverket's new general advice.

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