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Cohabitation Agreement (Samboerkontrakt)

Who owns what, and what happens if you split up — written down in a Norwegian samboerkontrakt, as a ready-to-sign PDF.

Created in your browser
Not legal advice. Tools-Bench writes the agreement from what you enter, but cannot judge your situation. An agreement like this can't give either of you an inheritance — that takes a will — and it isn't an ektepakt. With children from earlier relationships, a business or large differences in what you bring, talk to a lawyer.
The agreement is in Norwegian, as banks, courts and the land register read it. The checklist on its first page is in English. Nothing you type leaves this device. The PDF is created in your browser and nothing is saved.

The two of you

Partner 1
Optional
Optional
Partner 2
Optional
Optional
Optional. Husstandsfellesskapsloven's right to take over the home needs two years together or a child — and strong reasons.

Your home

Set the ownership shares and what happens to the home if you split up.

%
Partner 2 owns the rest: 50%. Use 100 or 0 if one of you owns the home alone.
kr
Optional. Lets the agreement say what happens if you paid in more than your share.
kr
Optional
If one of you pays more than their share of the loan and costs

No claim and no bigger share — the simplest rule.

How the home is valued if you split up

Two independent estate agents, one chosen by each of you; the average counts.

If both want it and you can't agree, the home is sold.
Including taking the other off the mortgage. If it doesn't happen, either of you can demand a sale.

Furniture and other belongings

By default, what each of you owned before, inherits, is given or buys alone stays theirs, and what you buy together is shared equally. List anything worth recording.

Optional
Optional
Optional

Shared expenses

Each pays half of the running household costs.

Optional. Keep inheritance out of it — that needs a will.

Signing

Optional
Leave blank to write it by hand.

Create the PDF

The rules we built on

Legal basis
No act on cohabitants' finances; sameieloven, husstandsfellesskapsloven and arveloven apply in part
Form
No form requirement in law. Write it down, both sign, one copy each
Inheritance
With a child together and still cohabiting: 4G, and uskifte on conditions (arveloven §§ 12, 32); otherwise only by will (§ 42)
Not an ektepakt
An ektepakt is for spouses, or a couple about to marry, and needs two witnesses (ekteskapsloven §§ 42, 54)
Samboerlov
Proposed in NOU 2025: 6, not passed
Official sources

The rules were last checked against the sources on 19 Oct 2026. This is not legal advice — where this page and the law differ, the law applies.

About the Cohabitation Agreement (Samboerkontrakt)

A samboerkontrakt is an agreement between two people who live together without being married. Norway has no act on cohabitants' finances — a proposal (NOU 2025: 6) is still being considered — so without an agreement you're left with general rules: what each of you owns stays theirs, what you own together is split equally unless there's a basis for otherwise, and disputes about who paid for what end up decided on evidence. Under husstandsfellesskapsloven § 4, agreements between you are taken into account when deciding whether one of you may take over the home.

This form writes the agreement in Norwegian, with the parts that matter most when it is tested: the ownership shares of your home, whether extra equity was a gift or is paid back, who may take over the home and how it is valued, and what each of you owns. It also writes down what the agreement can't do. It gives neither of you an inheritance — an arrangement that only takes effect on death must be a will (arveloven § 40) — and it isn't an ektepakt.

Everything happens in your browser: names and amounts are never sent to a server. What the form can't do is judge your situation. With children from earlier relationships, a business or a large difference in what you bring, get advice.

How to use the form

1
Fill in the two of you
Names and dates of birth, when you moved in together, and whether you have a child together.
2
Describe your home
Ownership shares and equity, or whose name the lease is in — and what happens if you split up.
3
List belongings and costs
What each of you owns alone, what you own together, and how you share running costs.
4
Create the PDF
It's made in your browser. Read it through together, and change things in the form.
5
Sign two copies
No witnesses needed. Then follow the checklist: land register, wills, insurance.

Frequently asked questions

Do cohabitants in Norway need a samboerkontrakt?
The law doesn't require one, but there is no act on cohabitants' finances. Without an agreement, what each of you owns stays theirs, and what you own together counts as equal shares unless there's a basis for otherwise (sameieloven § 2) — which is hard to prove years later. Agreements between you are also taken into account under husstandsfellesskapsloven § 4.
Is there a cohabitation act (samboerlov) in Norway?
Not yet. A government committee proposed a non-mandatory samboerlov in NOU 2025: 6, and the consultation closed on 1 December 2025. As of October 2026 it has not been passed. If it is, check whether your agreement needs updating.
Do cohabitants inherit from each other?
With a child together, the survivor inherits four times the National Insurance basic amount (4G) by law, if you still lived together at the death (arveloven § 12). The survivor may also keep the home and contents, and a car and cabin you used together, undivided (uskifte) — but against the deceased's children from another relationship only with their consent, and only after telling the court within 60 days (§§ 32, 34). Without a child together, cohabitants don't inherit from each other unless they write wills.
Can the agreement give my partner the home if I die?
No. An arrangement or gift that only takes effect on death must be made as a will to be valid (arveloven § 40), and a will needs two witnesses (§ 42). The agreement records that you both know this; write wills for what you want to happen.
Is a samboerkontrakt the same as an ektepakt?
No. An ektepakt is for spouses — or a couple about to marry, who can sign one before the wedding (ekteskapsloven § 42) — and needs two witnesses (§ 54). If you marry, the marriage property rules apply, and a gift in the samboerkontrakt that hasn't been carried out by the wedding needs an ektepakt to be valid (§ 50).
One of us paid more equity. How do we write that?
Set the ownership shares you agree on, and state each person's equity. If the shares don't match the equity, the agreement says whether the difference is a gift, or whether each of you gets your own equity back first if you split up, before the rest is divided by the shares. That one sentence prevents most disputes.
Who gets the home if we split up?
Either co-owner can demand the joint ownership dissolved (sameieloven § 15), which without agreement means a sale. Husstandsfellesskapsloven § 3 can let one of you take over the home, but only with strong reasons. The agreement sets who may take over, how the home is valued and how long the buy-out may take.
Does it need witnesses or registration?
No. Two signed copies, one each, are enough. But if you own a home together, make sure the land register at Kartverket shows the same ownership, since creditors and buyers rely on what is registered.