Hi! I would say that it depends on when you did the uppskov and what your intentions are with the money. If you log on to the e-services of Skatteverket you can easily calculate how much it would cost you to get the money back and compare it with the cost of a bank loan. I also recommend you to use the uppskov-money wisely. Do you have any other debts with high interest rates? Can you repay a portion of your mortgage loan to cut interest rate payments? Do you need the money to be able to buy a house or to increase your savings? Think twice about it and remember that you sometime in the future will have to pay your tax debt. Good luck!