3d:I[175696,["$2a","$2b","$2c","$2d","$2e","$2f","$30","$31","$32"],"default"] 3e:T5c0,Bolån Radar is a pure information and comparison service. We do not broker, arrange, or assist with credit applications ("kreditansökningar") and are therefore not to be considered a credit intermediary ("kreditförmedlare") within the meaning of the Consumer Credit Act ("Konsumentkreditlagen") (2010:1846), and are thus not subject to supervision ("tillsyn") by the Financial Supervisory Authority ("Finansinspektionen") under these provisions. Our service aggregates and presents publicly available interest rate information from Swedish banks' own tools and APIs. Users can anonymously see which interest rates may be available based on general criteria (such as loan amount, property value, and income), but no credit assessment ("kreditprövning") is performed and no personal credit advice ("personlig kreditrådgivning") is provided. All contact with and applications to lenders occur directly between the user and the respective bank. Since we neither market, offer, nor broker specific credit agreements ("kreditavtal"), we are not subject to the obligation to provide representative examples ("repräsentativa exempel") pursuant to the Consumer Credit Act ("Konsumentkreditlagen") Chapter 8 Section 8 ("8 kap. 8 §") and the EU Consumer Credit Directive ("konsumentkreditdirektiv") (2008/48/EC). For complete loan terms ("lånevillkor"), cost examples ("kostnadsexempel"), and representative examples, users are referred to each bank's official information.3f:T5b1,Bolån Radar uses registered trademarks ("varumärken") and logos ("logotyper") belonging to Swedish banks and credit institutions ("kreditinstitut") for the purpose of identifying and comparing these entities' mortgage products ("bolåneprodukter"). This use is in accordance with the Marketing Act ("Marknadsföringslagen") (2008:486) and the Trademarks Act ("Varumärkeslagen") (2010:1877), as well as the EU Directive on Misleading and Comparative Advertising ("direktiv om vilseledande och jämförande reklam") (2006/114/EC). The use of trademarks and logos is limited to what is necessary to inform consumers about which banks and products are being compared. The presentation is factual, verifiable, and concerns products that meet the same needs. We make no claims of affiliation, partnership ("partnerskap"), or endorsement ("godkännande") from the mentioned banks, and the presentation is designed so that no confusion ("förväxling") can arise that Bolån Radar would be associated with or authorized ("auktoriserat") by these institutions. All information is presented for comparison purposes ("i jämförelsesyfte") and thus constitutes permitted reference use ("tillåten referensanvändning") (nominative fair use) of trademarks according to established practice ("etablerad praxis"). Trademark holders ("varumärkesinnehavare") who believe their trademark is used in a manner that exceeds this permitted use may contact us for dialogue.40:T562,The information presented on Bolån Radar is compiled from publicly available sources and is provided on an "as is" basis. While we strive to maintain accurate and up-to-date information, we make no representations or warranties ("garantier") of any kind, express or implied, about the completeness, accuracy, reliability ("tillförlitlighet"), or availability of the information, products, or services contained on the website. Interest rates, terms, and conditions can change without notice and may differ from what is displayed on our platform. Banks may update their offerings, discontinue products, or modify eligibility criteria at any time. We are not liable ("ansvariga") for any errors, omissions ("utelämnanden"), or delays in the information provided, nor for any losses or damages ("förluster eller skador") arising from reliance on this information. Users are solely responsible for verifying all information directly with the respective banks or credit institutions before making any financial decisions. Bolån Radar does not provide financial advice ("finansiell rådgivning"), and the information on this website should not be construed as a recommendation ("rekommendation") to enter into any specific credit agreement. Users should seek independent professional advice appropriate to their individual circumstances before making any financial commitments.41:T459,You agree NOT to: 3.1 Automated Access: Use automated systems, robots, spiders, or similar data collection tools in a manner that: • Disrupts, overloads, or degrades the performance of the Website's servers or network • Attempts to circumvent technical measures designed to limit access • Attempts to identify, reverse-engineer, or replicate the Website's algorithms, matching logic, or proprietary features 3.2 Service Abuse: • Distribute, publish, or commercially exploit the Website's content or design without written permission • Impersonate Bolån Radar or falsely claim affiliation with us • Transmit viruses, malicious code, or other harmful materials • Attempt to gain unauthorized access to the Website's systems or network • Use the Website for illegal purposes or in a manner that violates applicable law 3.3 Content Misuse: • Copy, reproduce, or create derivative works from the Website's design, layout, or user experience • Remove copyright notices, trademarks, or other proprietary markings • Frame or link to the Website in a manner that could create confusion or mislead42:T48e,4.1 Bolån Radar's Content: The Website's design, structure, layout, user interface, navigation elements, graphics, and original content (the "Content") are protected by copyright, trademark, and other intellectual property rights and are owned by or licensed to Bolån Radar. All right, title, and interest in and to the Content remains with Bolån Radar. 4.2 Third-Party Trademarks: Trademarks, logos, and service marks displayed on the Website that belong to banks and other credit institutions ("Third-Party Marks") are registered or unregistered trademarks of their respective owners. Our use of these marks is limited to identification and comparison in accordance with the Marketing Act ("Marknadsföringslagen") (2008:486) and the Trademarks Act ("Varumärkeslagen") (2010:1877). No license or right to these Third-Party Marks is granted to you. 4.3 Database Rights: The compiled database of mortgage interest rates and related information constitutes a database protected by database rights under the EU Database Directive (96/9/EC). Substantial investment has been made in the collection, verification, organization, and presentation of this information.3b:["$","$L3d",null,{"formats":"$undefined","locale":"en","messages":{"common":{"loading":"Loading...","error":"An error occurred","retry":"Try again","close":"Close","save":"Save","cancel":"Cancel","backToHome":"Back to home","goBack":"Go back"},"breadcrumbs":{"home":"Home","historic":"Historic Data","personalizedRates":"Find Personalized Mortgage Rates","teachMe":"Teach Me","faq":"FAQ","dictionary":"Dictionary","homeBuyingCourse":"Real Estate Crash Course","mortgageCourse":"Mortgage Crash Course","fullCourse":"Full Course","about":"About","disclaimer":"Disclaimer","terms-of-use":"Terms of Use","privacy-policy":"Privacy Policy","contact-us":"Contact Us","ui":"UI Components","data-api-terms":"Data API terms","data-api":"Data API","data-api-docs":"API Docs","news":"News"},"header":{"title":"Bolån Radar","nav":{"currentRates":"Current Rates","historicData":"Historic Data","personalizedRates":"Personalized Rates","news":"News","teachMe":"Teach Me","homeBuyingCourse":"Real Estate Crash Course","mortgageCourse":"Mortgage Crash Course","fullCourse":"Full Course","comingSoon":"Coming Soon","faq":"FAQ","dictionary":"Dictionary","menu":"Menu","closeMenu":"Close menu"},"languageToggle":{"swedish":"Svenska","english":"English","switchTo":"Switch to {language}"},"themeToggle":{"switchToLight":"Switch to light mode","switchToDark":"Switch to dark mode"}},"errors":{"notFound":"Page not found","notFoundDescription":"The page you're looking for doesn't exist or has been moved.","serverError":"A server error occurred","networkError":"Network error - check your connection","validationError":"Please check your input"},"home":{"title":"Bolan FE2","welcome":"Welcome to the Bolan frontend application.","viewComponents":"View UI Components"},"homepage":{"finder":{"title":"Personalized Interest Rates","subtitle":"No Personal Number - No Credit Check","button":"Find Rates"}},"ui":{"title":"UI Primitives Demo","sections":{"buttonVariants":"Button Variants","buttonSizes":"Button Sizes","loadingState":"Loading State","polymorphicRendering":"Polymorphic Rendering (asChild)","inputStates":"Input States","labelAssociation":"Label Association","cardComponent":"Card Component","semanticColorTokens":"Semantic Color Tokens","localeAwareFormatting":"Locale-Aware Formatting","pluralization":"Pluralization (ICU Message Syntax)"},"formatting":{"description":"Demonstrates formatting differences between Swedish and English locales.","currentLocale":"Current locale:","currency":"Currency","percentage":"Percentage","dateLong":"Date (Long)","currencyExample":"SEK 1,234,567.89","percentExample":"3.25%","dateExample":"January 15, 2025"},"plural":{"description":"Demonstrates grammatically correct plural forms based on count values."},"buttons":{"default":"Default","secondary":"Secondary","destructive":"Destructive","outline":"Outline","ghost":"Ghost","link":"Link","small":"Small","large":"Large","loading":"Loading...","processing":"Processing","navigate":"Navigate","deleteLink":"Delete Link","saveChanges":"Save Changes","retry":"Try again"},"error":{"demo":"Failed to load mortgage rates"},"inputs":{"default":"Default input","email":"Email input","disabled":"Disabled input","error":"Error input","emailLabel":"Email Address","emailPlaceholder":"you@example.com"},"card":{"title":"Account Settings","description":"Manage your account preferences and settings","content":"Your account content goes here. 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Hit me up.","statsTitle":"Stats for Nerds","stats":{"frontend":"Next.js 16 (React 19), Radix UI, Tailwind CSS, next-intl (so English speakers can follow along too), Recharts (for all the graphs)","backend":"Golang (Chi router), SQLite","infrastructure":"Kubernetes on a Raspberry Pi 5 at home, Cloudflare in front (so you don't DDoS my house)"}},"dictionary":{"metadata":{"title":"Mortgage Dictionary","description":"Learn mortgage terminology with our comprehensive Swedish mortgage dictionary."},"title":"Mortgage Dictionary","description":"Master the language of Swedish mortgages and real estate. 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Varies 2,000–7,000+ SEK/month."},{"title":"Running costs (freehold)","description":"For houses: heating, water, sewage, garbage collection, property insurance, maintenance. Budget 4,000–8,000+ SEK/month."},{"title":"Property tax/fee","description":"Coop: none. House: municipal property fee (\"fastighetsavgift\"), max ~9,000 SEK/year. New builds may have reduced fee for 15 years."}]},"costReductions":{"title":"Cost Reductions","items":[{"title":"Interest tax deduction","description":"You can deduct 30% of interest costs from taxes (\"ränteavdrag\"). Pay 10,000 SEK/month in interest, save 3,000 SEK."},{"title":"Rent out room(s)","description":"Renting out a room in your home is tax-free up to 50,000 SEK/year plus 20% of rental income."},{"title":"Shared facilities","description":"Many coops have laundry, gym, sauna, or guest apartment included in the fee. 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Understand ownership differences."},"title":"Property Types","description":"Learn about different property types in Sweden","subtitle":"Important things to consider for different property types","villa":{"name":"Villa","items":[{"title":"Inspection","description":"Hire an inspector (\"besiktningsman\") before buying. Costs 10–15k SEK but can reveal hidden problems worth hundreds of thousands."},{"title":"Title deed and mortgage deed","description":"Expect 1.5% stamp duty (\"stämpelskatt\") plus mortgage deed (\"pantbrev\") fees. On 5 million SEK: about 75,000 SEK extra at purchase."},{"title":"Running costs","description":"Heating, insurance, and maintenance (\"driftkostnad\") are on you. Seller estimates are often too low. Check the energy declaration."},{"title":"Leasehold vs freehold","description":"Leasehold (\"tomträtt\") means you rent the land. The fee (\"avgäld\") is renegotiated roughly every ten years and can increase sharply."},{"title":"Energy declaration","description":"Shows the home's energy rating (\"energideklaration\"). Poor rating can mean 10–30k SEK extra per year in heating."}]},"radhus":{"name":"Townhouse, Row House","items":[{"title":"Ownership type","description":"Can be freehold (\"äganderätt\") or cooperative (\"bostadsrätt\"). Determines taxes, fees, and responsibilities. Always ask first."},{"title":"Joint property association","description":"Shared costs (\"samfällighet\") for roads, roofs, and common areas. Check budget and maintenance plan for surprise fees."},{"title":"What's included","description":"Walls, roof, plot (\"tomt\"), and parking may be yours or shared. Unclear boundaries create conflicts."},{"title":"Neighbor dependency","description":"Shared walls mean shared maintenance. Neighbor's problems can become yours. Check for past disputes."},{"title":"Inspection and permits","description":"Get an inspection (\"besiktning\") like for a villa. Check if renovations have permits (\"bygglov\"). Unpermitted work (\"svartbygge\") becomes your problem."}]},"tomt":{"name":"Land Plot","items":[{"title":"Zoning and building rights","description":"The zoning plan (\"detaljplan\") determines what you can build: size, height, placement, style. Always check with the municipality first."},{"title":"Connection fees","description":"Water/sewage (\"VA\"), power, and fiber can cost 200–500k SEK, especially rural. Get quotes before buying."},{"title":"Geotechnical conditions","description":"Rock, clay, or high water table affects foundation costs. A cheap plot (\"tomt\") can become expensive."},{"title":"Easements and road access","description":"Do you have legal road access? Without an easement (\"servitut\"), you depend on your neighbor's goodwill."},{"title":"Shoreline protection","description":"Within 100 meters of water, building is prohibited (\"strandskydd\"). Check if an exemption (\"dispens\") exists or can be granted."}]},"lagenhet":{"name":"Apartment","items":[{"title":"Annual report","description":"Review the annual report (\"årsredovisning\"): debt per sqm, fee trends, and planned maintenance. High debt = risk of fee increases."},{"title":"What the fee covers","description":"Does the monthly fee (\"avgift\") include heating, water, internet? Low fee may hide that you pay a lot extra yourself."},{"title":"Association bylaws","description":"The bylaws (\"stadgar\") cover subletting, renovations, and pets. Can limit what you're allowed to do. Read before buying."},{"title":"Maintenance plan","description":"Check planned pipe replacement (\"stambyte\"), facade, or roof work. Major projects can raise the fee 500–1,500 SEK/month."},{"title":"Financial plan","description":"For newly formed associations (\"nybildade föreningar\"). The financial plan (\"ekonomisk plan\") projections are often optimistic. Real costs tend to be higher."}]}},"setPreferences":{"metadata":{"title":"Set Preferences - Real Estate Crash Course","description":"Define your home buying criteria in Sweden. Location, size, amenities, and must-haves to guide your property search."},"title":"Preferences","subtitle":"Define what you're looking for in a home","location":{"title":"Location","items":[{"title":"Commute","description":"How long to work? Car, bike, or public transport?"},{"title":"Schools, daycare, shops","description":"Distance to daycare (\"förskola\"), school, groceries, and everyday shops."},{"title":"Neighborhood vibe","description":"Families, quiet, lively? Visit the area evenings and weekends."},{"title":"Noise","description":"Traffic, flight paths, railway. Check the noise map at the municipality."}]},"sizeLayout":{"title":"Size & Layout","items":[{"title":"Living space","description":"How many square meters do you need? Verify the listed area (\"boarea\") matches reality."},{"title":"Rooms and layout","description":"Number of rooms, open plan or separate rooms. Does it work for your daily life?"},{"title":"Floor level","description":"Ground floor for accessibility, higher up for views and privacy."},{"title":"Sun orientation","description":"South-facing gets most sun. Check compass direction for balcony and living room."},{"title":"Storage","description":"Storage room (\"förråd\"), closets, attic. Enough for your stuff?"},{"title":"Balcony, terrace, garden","description":"Size, sun exposure, and usability. Glassed-in or open?"}]},"infrastructure":{"title":"Infrastructure & Parking","items":[{"title":"Heating type","description":"District heating (\"fjärrvärme\"), geothermal (\"bergvärme\"), or electric. Big difference in running costs."},{"title":"Municipal or private utilities","description":"Municipal water/sewage (\"VA\") is easiest. Private well (\"brunn\") and septic (\"enskilt avlopp\") need upkeep."},{"title":"Utility connections at property line","description":"Is water/sewage, electricity, fiber already at the property line? If not, it can cost 200–500k SEK."},{"title":"Parking and EV charging","description":"Garage, carport, or street parking. Is EV charging available or possible to install?"},{"title":"Jetty and water access","description":"Waterfront? Check if you have the right to build a jetty (\"brygga\"). Shoreline rules (\"strandskydd\") may block it."}]},"features":{"title":"Features & Amenities","items":[{"title":"Elevator","description":"Important on upper floors, for heavy groceries and strollers."},{"title":"Washer and dryer","description":"Is there hookup in the unit, or only shared laundry room (\"tvättstuga\")?"},{"title":"Dishwasher","description":"Installed or at least hookup available?"},{"title":"Stove type","description":"Induction, ceramic, or gas. Affects cooking and energy costs."},{"title":"AC or cooling","description":"Is AC installed or possible to add? South-facing upper floors get hot."}]}},"propertyHunt":{"metadata":{"title":"Property Hunt - Real Estate Crash Course","description":"Find properties for sale in Sweden. Use Hemnet, evaluate listings, research housing cooperatives, and assess neighborhoods."},"title":"Property Hunt","subtitle":"Find and evaluate potential properties","whereToLook":{"title":"Where to Look","items":[{"title":"Hemnet","description":"95% of all listings are here. Your main source."},{"title":"Booli","description":"Sold prices (\"slutpriser\"), price history, and area stats. Learn the market."},{"title":"Real estate agent websites","description":"Sometimes listings appear a day early. Subscribe to newsletters."},{"title":"New construction portals","description":"New builds (\"nyproduktion\") often aren't on Hemnet. Check developers' own sites."},{"title":"Word of mouth and Facebook","description":"Local buy/sell groups and contacts can give you off-market tips."}]},"understandingListings":{"title":"Understanding Listings","items":[{"title":"Starting price vs. sold price","description":"Starting price (\"utgångspris\") is marketing. Check what similar places actually sold for (\"slutpris\")."},{"title":"Monthly fee","description":"What's included? Heating, water, internet, or just basics? Check what the fee (\"avgift\") covers."},{"title":"Living area vs. supplementary area","description":"Only living area (\"boarea\") counts for price/sqm. Supplementary area (\"biarea\") is bonus space like basements."},{"title":"Running costs","description":"For houses. Seller estimates for running costs (\"driftkostnad\") are often too low. Calculate yourself."},{"title":"Days on market","description":"Long time on market can mean problems, or room to negotiate."}]},"setUpAlerts":{"title":"Set Up Alerts","items":[{"title":"Hemnet alerts","description":"Create multiple alerts (\"bevakningar\") for different areas or criteria."},{"title":"Don't go too narrow","description":"You might miss good options nearby if you filter too tightly."},{"title":"Set price range slightly higher","description":"See what you're competing against. Good to know the market."},{"title":"Check daily","description":"Good properties move fast, especially in hot markets."},{"title":"Booli alerts","description":"Track sold prices (\"slutpriser\") to learn the real market."}]},"timingMindset":{"title":"Timing & Mindset","items":[{"title":"Spring and autumn","description":"Most listings, but also most competition."},{"title":"Summer and Christmas","description":"Fewer listings, but calmer bidding situations."},{"title":"Expect to lose bids","description":"It's normal. Most people lose several bids before winning one."},{"title":"Don't fall in love too early","description":"Stay rational until the keys are in your hand."},{"title":"Be ready to act","description":"Viewings book fast. Decisions happen in days, not weeks."}]}},"viewing":{"metadata":{"title":"Viewing - Real Estate Crash Course","description":"Attend property viewings in Sweden. What to look for, questions to ask, and red flags to avoid when inspecting homes."},"title":"Viewing","subtitle":"Attend viewings and inspect properties","before":{"title":"Before the Viewing","items":[{"title":"Check sold prices","description":"Check what similar properties in the area actually sold for (\"slutpris\"). Learn the market."},{"title":"Google the address","description":"Forum posts, news, complaints. Good to know before you view."},{"title":"Public viewing","description":"Open to everyone, just show up at the listed time (\"öppen visning\")."},{"title":"Register interest","description":"Contact the agent (\"mäklare\") to get updates and viewing invites."},{"title":"Private viewing","description":"Separate viewing (\"privatvisning\") if you can't make the public one, or to get ahead. You can bid before public viewings, but expect to pay a premium to skip the bidding war."},{"title":"Sign the attendance list","description":"Usually required to participate in the bidding (\"budgivning\")."}]},"after":{"title":"After the Viewing","items":[{"title":"Take notes and photos immediately","description":"You'll forget details quickly."},{"title":"Revisit at different times","description":"Evenings, weekends. Different noise and vibe."},{"title":"Request a second viewing","description":"If you're serious, look again with fresh eyes."},{"title":"Order your own inspection","description":"For houses, do this before you bid. Get your own inspection (\"besiktning\")."},{"title":"Talk to neighbors","description":"They know what it's really like to live there."}]},"whatToLookFor":{"title":"What to Look For","items":[{"title":"Water damage, cracks, mold, smells","description":"Check under sinks, around bathrooms, ceiling spots. Signs of bigger problems. Trust your nose."},{"title":"Windows","description":"Drafty? Single or double glazed?"},{"title":"Noise","description":"Listen for neighbors, traffic, building sounds."},{"title":"Water pressure","description":"Run the taps."},{"title":"Electrical outlets","description":"Enough? Modern?"},{"title":"Common areas","description":"Stairwell, entrance, basement, laundry room (\"tvättstuga\"). Condition and vibe."},{"title":"Houses","description":"Roof, drainage, basement moisture, heating. Check age and condition."}]},"questionsToAsk":{"title":"Questions to Ask","items":[{"title":"Why is the seller moving?","description":"Can reveal urgency or problems."},{"title":"How long on market?","description":"Long time can mean problems or room to negotiate."},{"title":"What's included?","description":"Appliances, lamps, fixtures. Ask clearly."},{"title":"Known issues or defects?","description":"The agent must disclose known defects."},{"title":"When does the seller want handover?","description":"Can affect your planning and negotiation. Handover date (\"tillträde\")."},{"title":"Recent renovations — permits needed?","description":"Unpermitted work (\"svartbygge\") becomes your problem."},{"title":"Houses: inspection, utilities, leasehold, easements?","description":"Ask if inspection (\"besiktning\") is done, municipal or private water/sewage (\"VA\"), leasehold (\"tomträtt\"), or easements (\"servitut\")."}]}},"bidding":{"metadata":{"title":"Bidding - Real Estate Crash Course","description":"Navigate Swedish property bidding. Learn open bidding rules, bidding strategies, and when to walk away from a deal."},"title":"Bidding","subtitle":"Navigate the Swedish bidding process","howBiddingWorks":{"title":"How Bidding Works","items":[{"title":"Open bidding","description":"You see other bids, they see yours."},{"title":"Through the agent","description":"Bids are placed via phone, SMS, or email to the agent (\"mäklare\")."},{"title":"No official rules","description":"No time limits. Can take hours or days."},{"title":"Starting price is just a start","description":"Bidding usually starts from the starting price (\"utgångspris\") or first bid."},{"title":"Highest bid wins — usually","description":"The seller can choose anyone, not just the highest bidder."},{"title":"Loan pre-approval required","description":"You need a pre-approval (\"lånelöfte\") from your bank showing how much you can borrow."},{"title":"Bids are not binding","description":"You can withdraw your bid anytime before the contract is signed."}]},"lanelofte":{"title":"Loan Pre-Approval","items":[{"title":"Pre-approval, not a guarantee","description":"The bank promises to lend up to a certain amount, but final decision comes later."},{"title":"Based on your finances","description":"Income, debts, assets determine how much you can borrow."},{"title":"Validity","description":"Usually valid 3–6 months."},{"title":"Get it in time","description":"Have it ready before you start bidding on a property."},{"title":"Final approval comes later","description":"The bank does a final check after you win the bidding."}]},"howToBid":{"title":"How to Bid","items":[{"title":"Register as a bidder","description":"Contact the agent (\"mäklare\") and register your interest."},{"title":"Place bids","description":"Via phone, SMS, or email. Ask the agent how they prefer."},{"title":"Follow the bidding","description":"You'll be notified when someone outbids you."},{"title":"Be quick","description":"Decide quickly — raise or drop out."},{"title":"Set a maximum","description":"Set your limit before you start and try to stick to it."}]},"tacticsPsychology":{"title":"Tactics & Psychology","items":[{"title":"Set your max beforehand","description":"Emotions run high. Have a limit set from the start."},{"title":"Don't chase forever","description":"There will be other properties. Don't give up everything for one."},{"title":"Quick responses","description":"Can signal strength — or desperation. Be aware."},{"title":"Bait pricing","description":"Artificially low starting price (\"lockpris\") to drive interest. Expect final price well above."},{"title":"Lowball bid","description":"Bid well below asking price (\"skambud\"). Can work on stale listings, but may be ignored."}]}},"contract":{"metadata":{"title":"Contract - Real Estate Crash Course","description":"Sign the Swedish purchase contract (köpekontrakt). Understand contract terms, deposits, and your legal obligations."},"title":"Contract","subtitle":"Sign the purchase contract","beforeYouSign":{"title":"Before You Sign","items":[{"title":"Read the contract carefully","description":"All terms should match what you agreed."},{"title":"Confirm what's included","description":"Appliances, lamps, fixtures. Ask clearly and get it in writing."},{"title":"Check conditions","description":"Are there conditions (\"villkor\") in the contract? Understand what they mean."},{"title":"Confirm with your bank","description":"Make sure your bank is ready to finalize the loan."},{"title":"Arrange home insurance","description":"Some banks require home insurance (\"hemförsäkring\") before handover."}]},"whatHappensAtSigning":{"title":"What Happens at Signing","items":[{"title":"Purchase contract is signed","description":"Now it's legally binding for both parties. The contract is called \"köpekontrakt\"."},{"title":"Both parties sign","description":"Usually at the agent's (\"mäklare\") office."},{"title":"Deposit is paid","description":"Usually 10% of purchase price. Paid into the agent's escrow account. Called \"handpenning\"."},{"title":"Handover date is set","description":"Date when you get the keys and pay the rest. Called \"tillträdesdag\"."},{"title":"Special conditions documented","description":"Anything beyond standard terms is written into the contract."}]},"specialConditions":{"title":"Special Conditions","items":[{"title":"Inspection clause","description":"Sale conditional on satisfactory inspection (\"besiktningsklausul\"). Rare in hot markets, more common for houses."},{"title":"Conditional purchase","description":"Sale conditional on selling your current home first (\"villkorat köp\"). Seller may not accept."},{"title":"Handover inspection","description":"Inspection after purchase to document condition (\"överlåtelsebesiktning\"). Useful for future disputes."}]},"backingOut":{"title":"Backing Out","items":[{"title":"Consequences after signing","description":"Backing out after signing has real consequences."},{"title":"Buyer","description":"Risk losing the deposit (\"handpenning\") and paying damages."},{"title":"Seller","description":"Must return the deposit (\"handpenning\") and may owe compensation."},{"title":"Mutual agreement","description":"Both parties can agree to cancel, but it's rare and usually costs someone."}]}},"keyHandover":{"metadata":{"title":"Key Handover - Real Estate Crash Course","description":"Complete your Swedish home purchase. Final loan signing, tillträde checklist, and what to do on handover day."},"title":"Key Handover","subtitle":"Complete the purchase and get your keys","beforeTilltrade":{"title":"Before Handover","items":[{"title":"Final loan paperwork with bank","description":"Sign the mortgage agreement (\"skuldebrev\") and other loan documents."},{"title":"Book your move","description":"Moving company or help from friends. Book ahead."},{"title":"Take time off work","description":"Handover takes time. Plan for the whole day."}]},"whatHappensAtTilltrade":{"title":"What Happens at Handover","items":[{"title":"Bank releases funds","description":"The money is transferred from the bank to the seller."},{"title":"Deed of sale is signed","description":"Confirms the sale is complete. Called \"köpebrev\"."},{"title":"You get the keys","description":"All keys, garage remotes, door codes, mailbox keys."},{"title":"Houses: title deed registered","description":"Title deed (\"lagfart\") is registered at Lantmäteriet. You pay stamp duty (\"stämpelskatt\")."}]},"whatToCheckAtWalkthrough":{"title":"What to Check at Walkthrough","items":[{"title":"Final walkthrough","description":"Check condition, no new damage or removed items."},{"title":"Fixtures and appliances","description":"All agreed appliances and fixtures are there."},{"title":"Read meters","description":"Electricity, water, heating. Note them down."},{"title":"Keys and remotes","description":"All keys and remotes should be accounted for."},{"title":"Any issues?","description":"Document before you accept."}]},"afterTilltrade":{"title":"After Handover","items":[{"title":"Arrange insurance","description":"Home insurance (\"hemförsäkring\") for apartments, property insurance (\"fastighetsförsäkring\") for houses."},{"title":"Transfer utilities","description":"Electricity, internet, etc. in your name."},{"title":"Update your address","description":"Skatteverket, Postnord, bank, subscriptions."},{"title":"Coop membership","description":"You're automatically registered as a member of the association (\"bostadsrättsförening\")."},{"title":"Consider changing locks","description":"You don't know who has old keys."},{"title":"Celebrate!","description":"You own a home!"}]}}},"navigation":{"previous":"Previous","next":"Next","stepOf":"Step {current} of {total}"}},"mortgageCourse":{"metadata":{"title":"Mortgage Crash Course","description":"Learn the Swedish mortgage process step by step with our crash course."},"title":"Mortgage Crash Course","description":"Learn how Swedish mortgages work from start to finish. From understanding how banks assess you and finding the best rate to structuring your loan and managing it over time — this guide covers everything you need to know as a borrower in Sweden.","overviewTagline":"Master the Swedish mortgage process in 8 clear steps. From understanding rates and choosing a lender to refinancing and eventually closing your loan.","stepPrefix":"Step {number}","disclaimerTitle":"Not Professional Advice","disclaimerNotice":"The content does not constitute financial advice, legal advice, tax advice, or any other form of professional advice.","disclaimerLink":"Disclaimer","steps":{"howMortgagesWork":{"title":"Mortgage Basics","subtitle":"Understand the basics of how Swedish mortgages are structured","metadata":{"title":"Mortgage Basics - Mortgage Crash Course","description":"Understand key mortgage terminology, how banks assess your borrowing capacity, and Swedish amortization requirements."},"bankAssessment":{"title":"How Banks Assess You","items":[{"title":"Income","description":"Stable employment income is king. Banks verify via pay slips (\"Lönespecifikation\") and tax returns."},{"title":"Existing Debt","description":"Car loans, student loans (\"CSN\"), and personal loans all reduce your borrowing capacity."},{"title":"KALP (\"Kvar Att Leva På\")","description":"The bank calculates what's left after housing costs at a stress-tested rate (\"Kalkylränta\"), typically 6–8%. Must cover standardized living expenses."},{"title":"Property Valuation","description":"The bank can value the property independently. If valued lower than the purchase price, you may need more cash."}]},"amortizationRequirements":{"title":"Amortization Requirements (\"Amorteringskrav\")","items":[{"title":"50–70% Loan-to-Value Ratio","description":"You must amortize at least 1% of the loan per year."},{"title":"Above 70% Loan-to-Value Ratio","description":"You must amortize at least 2% of the loan per year."},{"title":"High Debt-to-Income (removed April 2026)","description":"Previously, if debt exceeded 4.5x gross income, an additional 1% per year was required on top of the 1% or 2%. This stricter requirement (\"Skärpt amorteringskrav\") was abolished on April 1, 2026."},{"title":"Exemptions","description":"New builds (\"Nyproduktion\") can get up to a 5-year amortization holiday (\"Amorteringsfrihet\") at the bank's discretion. Banks may also pause amortization for hardship or parental leave (\"Föräldraledighet\")."}]},"upcomingRuleChanges":{"title":"Rule Changes Enacted April 1, 2026","items":[{"title":"Higher Mortgage Cap (\"Bolånetak\")","description":"The mortgage cap was raised from 85% to 90% for new home purchases, lowering the minimum down payment (\"Kontantinsats\") from 15% to 10%."},{"title":"Stricter Cap for Supplementary Loans (\"Tilläggslån\")","description":"For supplementary loans (additional borrowing against existing property), the cap was lowered to 80%."},{"title":"Abolition of the 4.5x Income Rule","description":"The stricter amortization requirement (\"Skärpt amorteringskrav\") for high debt-to-income ratios was removed entirely."},{"title":"New Legal Framework","description":"The rules moved from Finansinspektionen guidelines (FFFS 2016:16) into a new statute (\"Lag om begränsning av bostadskrediter\", Law 2026:226), shifting oversight from FI to the legislature."},{"title":"5-Year Property Revaluation Rule","description":"Properties can only be revalued every 5 years for the purpose of increasing the mortgage or lowering amortization rates."}]},"mortgageProtection":{"title":"Mortgage Protection Insurance (\"Bolåneskydd\" / \"Låneskydd\")","items":[{"title":"Payment Protection (\"Betalskydd\")","description":"Covers monthly payments for 12–24 months if you become involuntarily unemployed or sick. Sometimes marketed as \"Bo kvar-försäkring\" (stay-in-your-home insurance)."},{"title":"Life Insurance (\"Livförsäkring\")","description":"Pays off part or all of the mortgage if a borrower dies. Especially relevant when both incomes are needed."},{"title":"Cost","description":"Varies by provider and coverage level. Typically priced as a percentage of the insured monthly benefit amount (e.g. 3–5% of the monthly payout), which works out to roughly 0.2–0.5% of the loan amount per year depending on coverage. Weigh against your existing coverage and financial buffer."},{"title":"Not Mandatory","description":"No bank requires it, but some recommend it. Evaluate whether you actually need it."}]},"overview":{"title":"What Is a Mortgage?","items":[{"title":"A loan secured by your home","description":"A mortgage (\"bolån\") is a loan where the property itself serves as collateral. In Sweden, these are recourse loans — you are personally liable for the full amount, even if the property loses value."},{"title":"You need at least 10% down","description":"Swedish law caps mortgages at 90% of the property's market value (raised from 85% in April 2026). The remaining 10% is your down payment (\"kontantinsats\"), which you must fund with savings or other means. For supplementary loans (\"tilläggslån\"), the cap is 80%."},{"title":"You must pay down the loan over time","description":"Sweden has mandatory amortization rules. If your loan exceeds 70% of the property value you amortize at least 2% per year, and 1% between 50–70%. The extra 1% for high debt-to-income ratios was removed in April 2026."},{"title":"Your rate can be fixed or variable","description":"You choose a binding period (\"bindningstid\") from 3 months (variable) up to 10 years (fixed). Most Swedes pick variable or short fixed periods. You can split your loan across different periods to spread risk."},{"title":"The bank secures a claim on your property","description":"For houses, a mortgage deed (\"pantbrev\") is registered at Lantmäteriet — existing deeds from previous owners can be reused, saving you the 2% stamp duty. For apartments (bostadsrätt), no deed is needed; instead the bank registers a lien on your cooperative share."},{"title":"What happens if you stop paying","description":"If you miss payments, the bank will first contact you and try to find a solution — such as interest-only periods or adjusted amortization. If the situation is not resolved, the bank can ultimately demand full repayment and, as a last resort, force a sale of your property through Kronofogden (the Swedish Enforcement Authority)."}]}},"interestRates":{"title":"Interest Rates","subtitle":"Understand how rates work and how to get the best deal","metadata":{"title":"Interest Rates - Mortgage Crash Course","description":"Compare fixed vs variable rates, understand the difference between list and actual rates, and learn about tax deductions."},"fixedVsVariable":{"title":"Fixed vs Variable Rates","items":[{"title":"Variable Rate (\"Rörlig Ränta\")","description":"Adjusts every 3 months with the market. Historically cheapest over time, but carries risk if rates spike. No penalty for additional amortization."},{"title":"Short Fixed (\"Kort Bunden Ränta\", 1–2 years)","description":"A middle ground. Slightly cheaper than long fixed, with short-term stability."},{"title":"Long Fixed (\"Lång Bunden Ränta\", 3–10 years)","description":"Maximum predictability. Protects against rising rates but usually higher rates, and costly to break early."},{"title":"Choosing","description":"Base your decision on financial buffer and risk tolerance, not on rate forecasts."}]},"listAverageYourRate":{"title":"List Rate vs Average Rate vs Your Rate","items":[{"title":"List Rate (\"Listränta\")","description":"The bank's published rate. Nobody pays this. It's a starting point (upper ceiling) for negotiation."},{"title":"Average Rate (\"Snittränta\")","description":"What customers actually pay on average. Published monthly by banks and tracked by comparison sites."},{"title":"Your Rate","description":"What you personally negotiate. Depends on Loan-to-Value Ratio (\"Belåningsgrad\"), total business with the bank, and willingness to push."},{"title":"The Gap","description":"The difference between list rate and your rate can be 0.5–1.5 percentage points. Always ask for your personalized rate."}]},"splittingYourLoan":{"title":"Splitting Your Loan (\"Räntemix\")","items":[{"title":"What It Means","description":"Split your mortgage into parts with different binding periods (\"Bindningstider\"), e.g. 50% variable, 25% two-year fixed, 25% five-year fixed."},{"title":"Why Split","description":"Reduces risk without fully committing to fixed. When one part adjusts, only that portion is affected."},{"title":"Additional Amortization (\"Extraamortering\")","description":"Keeping part of the mortgage as a variable loan allows paying off chunks whenever you want without penalty."},{"title":"Downsides","description":"More complexity. Harder to compare across banks. Switching means breaking multiple rate locks."}]},"taxDeduction":{"title":"Interest Rate Tax Deduction (\"Ränteavdrag\")","items":[{"title":"30% Deduction (\"Skattereduktion\")","description":"You can deduct 30% of interest costs from your taxes. Pay 10,000 SEK/month in interest, save 3,000 SEK/month on your tax return."},{"title":"Threshold","description":"30% applies to the first 100,000 SEK per person per year. Above that, the deduction drops to 21%."},{"title":"Joint Borrowers (\"Medsökande\")","description":"Both borrowers claim deductions on their share. Couples can optimize the split."},{"title":"Automatic","description":"The bank reports to the Swedish Tax Agency (\"Skatteverket\"). The deduction is applied automatically to your tax return (\"Deklaration\")."},{"title":"2026 Change","description":"From tax year (\"Inkomstår\") 2026, only interest on secured loans (\"Bolån\") qualifies for the deduction (\"Ränteavdrag\"). Interest on unsecured loans (\"Blancolån\") is no longer deductible."}]}},"choosingALender":{"title":"Choosing a Lender","subtitle":"Find the right bank or lender for your situation","metadata":{"title":"Choosing a Lender - Mortgage Crash Course","description":"Explore different bank types, mortgage brokers, and negotiation strategies to find the best mortgage deal."},"bankTypes":{"title":"Major Banks vs Savings Banks vs Subprime Lenders","items":[{"title":"Full-Service Banks (\"Storbanker\")","description":"e.g. Swedbank, SEB, Nordea, Danske Bank, ICA Banken. Offer complete banking with salary accounts (\"Lönekonto\"), savings, insurance, and mortgages. Often reward you for bringing all your business."},{"title":"Rate-Focused Lenders","description":"e.g. SBAB, Skandia, Hypoteket. Compete primarily on mortgage rates without requiring a full banking relationship — often without the need to negotiate."},{"title":"Local Savings Banks (\"Sparbanker\")","description":"e.g. Sparbanken Skåne, Bergslagens Sparbank. Regional and locally owned. Often competitive rates to attract local customers, but mostly require the customer to either live or purchase property in their municipality (\"Kommun\")."},{"title":"Subprime Lenders (\"Nischbanker\")","description":"e.g. Marginalen, Nordax (now part of NOBA Bank Group), Bluestep. Lend to borrowers with credit remarks (\"Betalningsanmärkningar\") or non-standard profiles. Significantly higher rates to match the higher risk."}]},"brokers":{"title":"Mortgage Brokers","items":[{"title":"What They Do","description":"Brokers negotiate with multiple banks on your behalf and present the best offer."},{"title":"Cost","description":"Free for you — the broker earns commission from the bank. Their \"best offer\" may not always be the absolute cheapest."},{"title":"Examples","description":"Lånekoll, Compricer Bolån, Zmarta. Some independent, others tied to specific lenders."},{"title":"When Useful","description":"Great if you don't enjoy negotiating or want to pressure your current bank with a competing offer."},{"title":"Disadvantages","description":"They only have a limited set of lenders whom they work with. Also make sure to ask whether they issue ONE or several credit checks (\"Kreditupplysning\"), as multiple may impact your credit rating (\"UC\") negatively."}]},"beyondRate":{"title":"What to Compare Beyond Rate","items":[{"title":"Fees","description":"Setup fee (\"Uppläggningsavgift\"), valuation fee (\"Värderingsavgift\"), statement fee (\"Aviavgift\"). Small fees can add up."},{"title":"Flexibility","description":"Can you make extra payments without penalty? Pause amortization if needed?"},{"title":"Service","description":"Phone support, digital tools, advisor access. Important when things get complicated."},{"title":"Bundling Requirements","description":"Some banks require salary account (\"Lönekonto\"), insurance, or savings for the best rate. Calculate whether the bundle actually saves you money."}]},"negotiation":{"title":"Negotiation Tactics","items":[{"title":"Check for potential Discounts","description":"Most banks offer discounts on the mortgage rate e.g. for environmentally friendly real estate (\"Grönt bolån\"), trade union membership (\"Fackföreningsmedlemskap\"), moving your pension (\"Tjänstepension\") to that lender, among others."},{"title":"Get Competing Offers","description":"The single most effective tactic. Get written quotes from 2–3 banks, or personalized negotiation-free rates from a comparison site, and let your preferred bank match or beat them."},{"title":"Call, Don't Click","description":"Even if a lender has a calculator on their website, don't sign online; a phone call can unlock significantly better deals."},{"title":"Time It Right","description":"Banks are hungriest at end of quarter. Negotiate when your binding period (\"Bindningstid\") expires — that's when you have leverage."},{"title":"Bring Total Business","description":"Salary, savings, insurance, pension. Banks discount mortgages to win the whole relationship."}]}},"applicationProcess":{"title":"Applying","subtitle":"Get approved and secure your financing","metadata":{"title":"Applying - Mortgage Crash Course","description":"Learn about loan promises, required documents, down payment rules, and bridging loans in Sweden."},"loanPromise":{"title":"Loan Promise (\"Lånelöfte\")","items":[{"title":"What It Is","description":"A preliminary approval stating how much you can borrow. Often required by the realtor before you can bid on a property."},{"title":"Not a Guarantee","description":"The bank does a final check after you've won the bidding. If your finances change, they can revoke it."},{"title":"Validity","description":"Typically 3–6 months depending on the bank. Get a new one if it expires."},{"title":"Multiple Promises","description":"You can get promises from several banks simultaneously. This doesn't commit you to any of them, but it will result in several credit checks (\"Kreditupplysning\") and may drag down your credit rating if too many."}]},"documents":{"title":"Documents & Verification","items":[{"title":"ID & Income","description":"Valid ID, recent pay slips (\"Lönespecifikation\"), employment certificate (\"Anställningsintyg\"), and latest tax return."},{"title":"Self-Employed (\"Egenföretagare\")","description":"Last 2–3 years of annual reports (\"Årsredovisning\") and tax returns. Banks are stricter and may approve a lower amount; some banks require permanent employment (\"Tillsvidareanställning\") and don't allow self-employment."},{"title":"Assets & Debts","description":"Bank statements showing your down payment (\"Kontantinsats\"). Full overview of existing loans and credit."},{"title":"The Property","description":"Sales listing (\"Objektsbeskrivning\") and property designation (\"Fastighetsbeteckning\")."}]},"downPayment":{"title":"Down Payment (\"Kontantinsats\")","items":[{"title":"Minimum 15%","description":"By regulation, at least 15% of the property's value must be your own money. A proposal to lower this to 10% from April 1st 2026 is pending in the Riksdag (see Step 1, \"Upcoming Rule Changes\")."},{"title":"Sources","description":"Savings, gifts from family, sale of existing property. Banks may ask for documentation of origin for amounts larger than 100 000 SEK."},{"title":"Gifts","description":"Common from parents. The bank may require written confirmation (\"Gåvobrev\") that it's a gift, not a loan."},{"title":"More Is Better","description":"Larger down payment means lower Loan-to-Value Ratio (\"Belåningsgrad\"), lower amortization, and better rates."}]},"bridgingLoans":{"title":"Bridging Loans & Earnest Money Loans","items":[{"title":"Bridging Loan (\"Överbryggningslån\")","description":"Temporary loan that bridges the gap when you buy a property before selling the old one."},{"title":"Earnest Money Loan (\"Handpenningslån\")","description":"Short-term loan to cover the 10% earnest money (\"Handpenning\") at contract signing, when your cash is tied up."},{"title":"Cost","description":"Higher interest, interest-only (\"Amorteringsfritt\"), typically limited to 6–12 months."},{"title":"Risk","description":"If your old property sells for less than expected, you may end up with more debt than planned."}]}},"loanStructure":{"title":"Loan Setup","subtitle":"Set up your loan the right way and understand the costs","metadata":{"title":"Loan Setup - Mortgage Crash Course","description":"Understand how to split your loan, choose binding periods, and manage mortgage deed costs."},"splittingLoans":{"title":"Splitting Into Multiple Loans","items":[{"title":"Why Split","description":"Split your mortgage into separate loans (\"Dellån\") with different rates and binding periods (\"Bindningstider\") for flexibility and risk management."},{"title":"Common Setup","description":"One variable portion for repayment flexibility, plus one or more fixed portions for stability."},{"title":"Practical Tip","description":"Keep the variable portion large enough to benefit from falling rates, but fix enough to survive a spike."},{"title":"Rebalancing","description":"When a binding period expires, renegotiate that portion. A natural opportunity to adjust your mix (\"Räntemix\")."}]},"bindingPeriods":{"title":"Choosing Binding Periods (\"Bindningstider\")","items":[{"title":"3 Months (Variable / \"Rörlig\")","description":"Lowest rate on average over time, but highest short-term risk. Allows additional amortization (\"Extraamortering\") without fee. Best with financial margin."},{"title":"1–2 Years","description":"Moderate stability at a moderate premium. Some predictability without long commitment."},{"title":"3–5 Years","description":"Solid protection against rate increases. Noticeable premium, but peace of mind."},{"title":"5–10 Years","description":"Maximum security. Best when rates are very low and expected to rise. Expensive to break early."}]},"replacingUnsecured":{"title":"Replacing Unsecured Loans With Mortgage","items":[{"title":"What It Means","description":"Consolidate unsecured loans (\"Blancolån\"), credit card debt, or high-interest credit into your mortgage at a much lower rate."},{"title":"Requirements","description":"Combined loan can't exceed 90% Loan-to-Value Ratio (\"Belåningsgrad\") for new home purchases (raised from 85% in April 2026; 80% for supplementary loans / \"Tilläggslån\"). The bank assesses whether consolidation improves your financial position."},{"title":"Benefits","description":"Dramatically lower interest rate compared to 5–20% on unsecured debt. Simpler finances."},{"title":"Watch Out","description":"You're converting short-term debt to long-term debt secured against your home. Don't run up new debt after consolidating."}]},"deedsCosts":{"title":"Mortgage Deed (\"Pantbrev\"), Title Registration (\"Lagfart\") & Total Cost at Signing","items":[{"title":"Mortgage Deed (\"Pantbrev\")","description":"For owned land (\"Fastighet\") and leased land (\"Tomträtt\"): Creating new mortgage deeds costs 2% of the deed amount in stamp duty (\"Stämpelskatt\") plus a 375 SEK expedition fee (\"Expeditionsavgift\") per deed. Existing ones from previous owners transfer for free. Does not apply to apartments (\"Bostadsrätt\")."},{"title":"Title Registration (\"Lagfart\")","description":"Only for houses/villas. Costs 1.5% in stamp duty (\"Stämpelskatt\") plus an 825 SEK expedition fee (\"Expeditionsavgift\"). Does not apply to apartments (\"Bostadsrätt\")."},{"title":"Apartments (\"Bostadsrätt\")","description":"You're buying a share in the housing association (\"Bostadsrättsförening\"), not property. No title registration or stamp duty, but there may be a one-time association fee and a pledge registration fee (\"Pantförskrivning\") of a few hundred SEK each."},{"title":"Budget Example","description":"For a 4 million SEK house: down payment (\"Kontantinsats\") (10%+, lowered from 15% in April 2026), mortgage deeds (\"Pantbrev\"), title registration (\"Lagfart\"), and fees can total 130,000+ SEK beyond the purchase price."}]}},"livingWithMortgage":{"title":"Managing Your Loan","subtitle":"Manage your mortgage day to day and adapt to life changes","metadata":{"title":"Managing Your Loan - Mortgage Crash Course","description":"Manage monthly payments, renegotiate rates, make extra amortizations, and handle life changes."},"monthlyPayment":{"title":"Monthly Payment Breakdown (\"Månadskostnad\")","items":[{"title":"Interest","description":"The cost of borrowing. Tax-deductible at 30%."},{"title":"Amortization","description":"Repayment of principal. Not a cost per-se — it builds your equity (\"Eget kapital\"). Required at 1–3% per year depending on Loan-to-Value Ratio (\"Belåningsgrad\") and debt ratio (\"Skuldkvot\")."},{"title":"Banking Fees","description":"Small recurring charges for statements and account management."},{"title":"Housing Fee or Running Costs (\"Avgift\" / \"Driftkostnad\")","description":"For apartments: monthly association fee (\"Månadsavgift\") covering heat, water, and maintenance. For houses: you pay heating, insurance, electricity, internet and upkeep yourself. Either way, add 3,000–8,000+ SEK/month on top of your mortgage."}]},"renegotiating":{"title":"Renegotiating Your Rate (\"Omförhandla Räntan\")","items":[{"title":"When","description":"Every time a binding period (\"Bindningstid\") expires, and proactively if market rates have dropped."},{"title":"How","description":"Call your bank with competing offers ready. They almost always have room to improve."},{"title":"Variable Rates","description":"Can be renegotiated anytime, but usually, your discounts need to be re-negotiated every 12 months."},{"title":"The Loyalty Trap","description":"Customers who don't call pay on average 0.2–0.5% more than those who do. A five-minute call saves thousands per year!"}]},"extraAmortization":{"title":"Extra Amortization (\"Extraamortering\")","items":[{"title":"Why","description":"Reduces total interest cost, lowers Loan-to-Value Ratio (\"Belåningsgrad\"), and gives financial flexibility sooner."},{"title":"Flexibility","description":"Most banks allow extra payments on variable portions without penalty. Fixed portions may have restrictions."},{"title":"Opportunity Cost","description":"With the tax deduction (\"Ränteavdrag\"), effective mortgage cost can be low. Investing e.g. into the stock market may yield more — but carries risk."},{"title":"A Middle Ground","description":"Amortize down to 50% Loan-to-Value Ratio to eliminate mandatory amortization (\"Amorteringskrav\"), then invest the difference."}]},"lifeChanges":{"title":"Life Changes & Payment Difficulties (\"Betalningssvårigheter\")","items":[{"title":"Parental Leave (\"Föräldraledighet\")","description":"You can apply for amortization exemption (\"Amorteringsfrihet\"). Banks typically grant 1–2 years."},{"title":"Job Loss or Illness","description":"Contact your bank early. They can offer temporary interest-only periods (\"Amorteringsfrihet\") or adjusted plans."},{"title":"Divorce","description":"One partner may need to take over the full loan, or the property must be sold. Bank reassesses on single income."},{"title":"Selling at a Loss","description":"If property value drops below your loan, you still owe the difference (\"Restskuld\"). Rare in Sweden but possible."}]}},"refinancing":{"title":"Refinancing","subtitle":"Move your mortgage for a better deal","metadata":{"title":"Refinancing - Mortgage Crash Course","description":"Know when to refinance, understand break costs for fixed rates, and learn how to switch banks."},"whenToRefinance":{"title":"When to Refinance","items":[{"title":"Rate Difference","description":"If another bank offers 0.3%+ less, investigate. On 3 million SEK, that's roughly 9,000 SEK/year before deductions."},{"title":"Property Re-evaluation (\"Omvärdering\")","description":"Every 3–5 years it may be beneficial to re-evaluate your property value. If it increased, your Loan-to-Value Ratio (\"Belåningsgrad\") drops and you may qualify for a lower rate. A realtor may give you an evaluation and written assessment for free in the hope you may sell through them."},{"title":"Life Changes","description":"New income, paid off debts, or inheritance may qualify you for better terms."},{"title":"Poor Service","description":"Unresponsive or inflexible bank? That alone can justify a switch."},{"title":"Binding Period Expiry (\"Bindningstidens Utgång\")","description":"The natural window. No break costs, full freedom to shop around."}]},"breakingFixed":{"title":"Breaking a Fixed Rate (\"Bryta Bindningstiden\")","items":[{"title":"Break Cost (\"Ränteskillnadsersättning\")","description":"Compensation to the bank for lost interest income if you leave early."},{"title":"Calculation","description":"Based on the difference between your locked rate and current market rate for the remaining period. Since July 2025, the calculation uses swap rates (\"Swappräntor\") averaged over 20 trading days, rather than the old method based on government bond yields (\"Statsobligationsräntor\")."},{"title":"When Worth It","description":"Rates have dropped significantly and savings outweigh the break cost. Do the math."},{"title":"Ask for a Quote","description":"Your bank can calculate the exact cost. Always get the number before deciding."},{"title":"Tax Deductible","description":"The break cost (\"Ränteskillnadsersättning\") is deductible as an interest expense."}]},"howToSwitch":{"title":"How to Switch Banks","items":[{"title":"Get Offers","description":"Approach 2–3 banks with your loan details, property value, and financial overview."},{"title":"Counter-Offer","description":"Tell your current bank you're leaving. They will often match or beat the offer."},{"title":"The Switch","description":"The new bank pays off your old loan directly (the money usually won't touch your bank account), registers mortgage deeds (\"Pantbrev\") if needed, and sets up your new loan."},{"title":"Costs","description":"Possible setup fee (\"Uppläggningsavgift\") and mortgage deed re-registration. Usually minor compared to savings."}]},"leveragingOffers":{"title":"Leveraging Competing Offers","items":[{"title":"Your Best Tool","description":"A written offer from another bank is the most powerful negotiation lever."},{"title":"Be Specific","description":"Show exact numbers. Vague claims are easy to dismiss."},{"title":"Don't Bluff","description":"If you say you'll leave, be prepared to actually do it."},{"title":"Annual Habit","description":"Make rate negotiation (\"Ränteförhandling\") a yearly routine. Set a calendar reminder when your binding period expires."}]}},"sellingAndClosing":{"title":"Selling & Closing","subtitle":"Understand what happens to your mortgage when you sell","metadata":{"title":"Selling & Closing - Mortgage Crash Course","description":"Understand how to pay off your mortgage, capital gains tax, tax deferral, and releasing mortgage deeds."},"payingOff":{"title":"Paying Off at Sale","items":[{"title":"How It Works","description":"The buyer's bank pays your remaining mortgage as part of the settlement. Your loan closes automatically."},{"title":"Surplus","description":"Sale price minus remaining loan, taxes, and fees is your equity (\"Eget kapital\"). This becomes your next down payment (\"Kontantinsats\")."},{"title":"Shortfall","description":"If the sale doesn't cover the loan, you owe the difference (\"Restskuld\")."},{"title":"Timing","description":"Settled on the access date (\"Tillträdesdag\"). Have your new financing in place if buying simultaneously."}]},"capitalGainsTax":{"title":"Capital Gains Tax (\"Reavinstskatt\")","items":[{"title":"What's Taxed","description":"Sale price minus purchase price (\"Inköpspris\"), minus improvements (\"Förbättringsutgifter\"), minus selling costs (\"Försäljningskostnader\")."},{"title":"Tax Rate","description":"22% of the profit (\"Vinst\"). On a 1 million SEK gain, you pay 220,000 SEK."},{"title":"Deductible Improvements (\"Förbättringsutgifter\")","description":"Renovations exceeding 5,000 SEK per year can be deducted. Keep receipts."},{"title":"Selling Costs","description":"Broker commission (\"Mäklararvode\") and styling costs (\"Stylingkostnader\") are deductible from the gain."}]},"deferral":{"title":"Deferral (\"Uppskov\")","items":[{"title":"What It Is","description":"Defer capital gains tax (\"Reavinstskatt\") by buying a new primary residence (\"Permanentbostad\"). The tax debt follows you to the new property."},{"title":"Requirements","description":"Must buy a replacement primary residence. New property must cost at least as much as the sale price of the old one to defer the full gain."},{"title":"No Annual Cost","description":"As of January 1st 2021, there is no annual cost for holding a deferral (\"Uppskov\"). Previously, a notional income (\"Schablonintäkt\") of 1.67% was taxed annually (effective cost ~0.5% per year), but this was abolished (SFS 2020:1068). Deferral is now completely free."},{"title":"When You Pay","description":"Due when you eventually sell without replacement, or move abroad. Can be deferred indefinitely through successive purchases."},{"title":"Cap","description":"There's a cap of 3,000,000 SEK on the deferral amount (\"Uppskovsbelopp\") per property, and the minimum is 50,000 SEK."}]},"releasingDeeds":{"title":"Releasing Mortgage Deeds (\"Pantbrev\")","items":[{"title":"After Payoff","description":"Mortgage deeds (\"Pantbrev\") remain registered on the property even after the mortgage is paid off."},{"title":"Transfer to Buyer","description":"Existing mortgage deeds can transfer to the buyer's bank, saving them from creating new ones."},{"title":"Digital Mortgage Deeds (\"Datapantbrev\")","description":"Most are electronic today, managed by the land registry (\"Lantmäteriet\"). No physical documents to track."},{"title":"No Need to Release","description":"Rarely any reason to formally release (\"Döda\") them. They have value for the next owner."}]}}},"navigation":{"previous":"Previous","next":"Next","stepOf":"Step {current} of {total}"}}},"faq":{"metadata":{"title":"Mortgage FAQ","description":"Find answers to frequently asked questions about Swedish mortgages and home buying."},"title":"Frequently Asked Questions","description":"Get answers to the most common questions about Swedish mortgages and home buying. From understanding loan-to-value ratios and amortization rules to navigating the bidding process – find the information you need to make confident decisions.","searchPlaceholder":"Search questions...","clearSearch":"Clear search","noResults":"No questions match your search.","emptyState":"There are no questions yet.","errorMessage":"Failed to load questions.","retryButton":"Try again","questionCount":"{count, plural, =1 {# question} other {# questions}}","filteringBy":"Filtering by:","tagFilters":"Filter by topic","questionList":"Questions and answers","showAllFAQs":"Show all FAQs"},"navSchema":{"currentRates":"View current mortgage rates from all Swedish banks","historicData":"See how Swedish mortgage rates have developed over time","personalizedRates":"Find your personalized mortgage rate from Swedish banks based on your situation","teachMe":"Guides and education about mortgages and home buying in Sweden","homeBuyingCourse":"Quick guide to home buying in Sweden in 8 simple steps","mortgageCourse":"Comprehensive guide to Swedish mortgages in 8 steps","fullCourse":"Complete education about mortgages and financing in Sweden","faq":"Frequently asked questions about Swedish mortgages","dictionary":"Explanations of common Swedish mortgage terms","about":"Learn more about Bolån Radar and our mission","contact":"Contact us with questions or feedback","disclaimer":"Important information about the service and limitations","termsOfUse":"Terms of use for Bolån Radar","privacyPolicy":"Privacy policy for Bolån Radar","news":"Short news about Swedish mortgage rates, the Riksbank and the housing market"},"footer":{"siteTitle":"Bolån Radar","tagline":"Compare mortgage rates from all Swedish banks in one place. Our data is updated every few minutes. Find the best rate and save money on your mortgage. No personnummer, no credit check. Completely free, completely anonymous.","theProject":"The Project","about":"About Us","dataApi":"Data API","contact":"Contact","legal":"Legal","disclaimer":"Disclaimer","termsOfUse":"Terms of Use","privacyPolicy":"Privacy Policy","copyright":"© {year} Bolån Radar. All rights reserved.","madeIn":"Created in Sweden","dataApiTerms":"Data API terms"},"disclaimer":{"metadata":{"title":"Disclaimer","description":"Read our disclaimer regarding the information provided on Bolån Radar."},"pageTitle":"Disclaimer","lastUpdated":"Last updated: {date}","sections":{"creditIntermediary":{"title":"Information Service – Not a Credit Intermediary","content":"$3e"},"educationalContent":{"title":"Educational Content – Not Professional Advice","content":"Bolån Radar publishes educational articles, guides, and other editorial content about mortgages, home buying, and personal finance to help consumers make more informed decisions. This content is general in nature and is not tailored to any individual user's financial situation, needs, or circumstances.\n\nThe content does not constitute financial advice (\"finansiell rådgivning\"), legal advice (\"juridisk rådgivning\"), tax advice (\"skatterådgivning\"), or any other form of professional advice. The authors behind Bolån Radar are not licensed financial advisors, lawyers, or real estate agents (\"fastighetsmäklare\"). The information should not be used as the sole basis for financial decisions.\n\nUsers considering purchasing a home, taking out a mortgage, or making other financial commitments should always seek individual advice from qualified professionals, such as independent financial advisors, bank representatives, lawyers, or real estate agents."},"trademarks":{"title":"Use of Trademarks and Logos","content":"$3f"},"liability":{"title":"Information Accuracy and Limitation of Liability","content":"$40"}}},"contactUs":{"metadata":{"title":"Contact Us","description":"Get in touch with the Bolån Radar team."},"pageTitle":"Contact Us","pageDescription":"Have a question, feedback, or want to get in touch? Fill out the form below and we'll get back to you as soon as possible.","form":{"name":"Name","namePlaceholder":"Your name","email":"Email","emailPlaceholder":"your.email@example.com","topic":"Topic","topicPlaceholder":"Select a topic","message":"Message","messagePlaceholder":"Write your message here...","submit":"Send Message","submitting":"Sending...","characterCount":"{current}/{max}","topics":{"question":"Question","partnership":"Partnership/Collaboration","legal":"Legal Request","improvement":"Improvement Idea","bug":"Something is Wrong/Broken"},"errors":{"nameRequired":"Please enter your name","nameTooLong":"Name must be at most 200 characters","emailRequired":"Please enter your email address","emailInvalid":"Please enter a valid email address","emailTooLong":"Email must be at most 254 characters","topicRequired":"Please select a topic","messageRequired":"Please enter your message","messageTooLong":"Message must be at most 5000 characters","turnstileRequired":"Please complete the verification","validationError":"Please check your input and try again","serverError":"An error occurred. 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Your continued use of the Website after any modifications constitutes your acceptance of the modified Terms."},"permittedUse":{"title":"2. Permitted Use","content":"The Website is provided for personal, non-commercial use. You may use the Website to:\n\n• Compare mortgage interest rates and products\n• View information about Swedish banks and credit institutions\n• Educate yourself about the mortgage market\n• Use our tools and calculators for personal information\n\nData integrations:\nPlease do not scrape the Website or its public API (api.bolanradar.se). Ask for access to our Data API instead. It requires an API key, which you get by contacting us.","contentSignup":"The Website is provided for personal, non-commercial use. You may use the Website to:\n\n• Compare mortgage interest rates and products\n• View information about Swedish banks and credit institutions\n• Educate yourself about the mortgage market\n• Use our tools and calculators for personal information\n\nData integrations:\nPlease do not scrape the Website or its public API (api.bolanradar.se). Ask for access to our Data API instead. It requires an API key, which you get by signing up."},"prohibitedUse":{"title":"3. Prohibited Use","content":"$41"},"intellectualProperty":{"title":"4. Intellectual Property","content":"$42"},"thirdPartyLinks":{"title":"5. Third-Party Links","content":"The Website may contain links to external websites operated by banks, credit institutions, or other third parties. We have no control over and assume no responsibility for the content, privacy policies, or practices of these third-party websites. Links do not constitute an endorsement of these websites or their content. You acknowledge and agree that Bolån Radar shall not be held liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of such third-party websites."},"serviceAvailability":{"title":"6. Service Availability","content":"6.1 \"As Is\" Provision:\nThe Website is provided \"as is\" and \"as available\" without warranties of any kind. We do not guarantee that the Website will be uninterrupted, secure, or error-free.\n\n6.2 Right to Modify or Discontinue:\nWe reserve the right at any time to:\n• Modify, update, or discontinue any part of the Website or its features\n• Restrict or deny access to the Website for individual users or IP addresses\n• Take technical measures to protect the integrity and performance of the service\n\n6.3 No Commitment to Data Accuracy:\nWhile we strive to maintain accurate and up-to-date information, we provide no guarantees regarding the completeness, accuracy, or timeliness of the information. See our \"Information Accuracy and Limitation of Liability\" section for additional information."},"limitationOfLiability":{"title":"7. Limitation of Liability","content":"To the fullest extent permitted by applicable law, Bolån Radar, its owners, employees, or partners shall not be liable for:\n\n• Direct, indirect, incidental, special, consequential, or exemplary damages\n• Loss of profits, goodwill, data, or other intangible losses\n• Damages arising from your use of or inability to use the Website\n• Decisions or actions taken based on information provided on the Website\n\nIndemnification:\nYou agree to indemnify and hold Bolån Radar harmless from all claims, losses, liabilities, costs, and expenses (including reasonable attorney fees) arising from your use of the Website or violation of these Terms."},"governingLaw":{"title":"8. 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Miscellaneous","content":"10.1 Entire Agreement:\nThese Terms constitute the entire agreement between you and Bolån Radar regarding your use of the Website and supersede all prior or contemporaneous agreements.\n\n10.2 Severability:\nIf any provision of these Terms is deemed invalid or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.\n\n10.3 Waiver:\nOur failure to enforce any right or provision in these Terms shall not constitute a waiver of such right or provision.\n\n10.4 Assignment:\nYou may not assign or transfer these Terms or your rights and obligations under them without our written consent. We may freely assign these Terms."},"contactInfo":{"title":"11. Contact Information","content":"For questions about these Terms of Use, please contact us through the contact form on the Website."}}},"trustpilot":{"reviewUs":"Leave a review for us","on":"on","ariaLabel":"Leave a review for us on Trustpilot"},"reviewPrompt":{"writeReview":"Write a review","notNow":"Not now","dontShowAgain":"Don't show this again","sorry":"Sorry 😢","dialogAriaLabel":"Ask for a Trustpilot review"},"privacyPolicy":{"metadata":{"title":"Privacy Policy","description":"Read our privacy policy to understand how Bolån Radar handles your data."},"pageTitle":"Privacy Policy","lastUpdated":"Last updated: {date}","sections":{"longVersionTitle":"The Unnecessarily Long Version","tableHeaders":{"thing":"Thing","doWeDoIt":"Do we do it?"},"shortVersion":{"title":"The Short Version","content":"We don't track you. That's it. You can stop reading now.\n\nStill here? Okay, fine — here's the unnecessarily long version."},"cookies":{"title":"Cookies 🍪","content":"We don't set any cookies. None. Zero. Noll. Not a single chocolate chip.\n\nThere is no cookie banner on this website. This is not an oversight. This is not because we forgot. This is because we literally have nothing to ask your consent for. You're welcome."},"trackingAnalytics":{"title":"Tracking & Analytics","content":"We do not use Google Analytics. We do not use Facebook Pixel. We do not use any of those scripts that follow you around the internet like a lost puppy trying to sell you the shoes you already bought three weeks ago."},"advertising":{"title":"Advertising","content":"We don't do ads. We don't \"partner\" with anyone to show you \"relevant offers\" based on your \"browsing behavior.\" We don't know your browsing behavior. We don't want to know your browsing behavior. What you do on the internet is between you and your browser's incognito mode."},"socialMediaButtons":{"title":"Social Media Buttons","content":"There are no Facebook Like buttons, Twitter share widgets, or LinkedIn trackers embedded on this site. If you want to share this page, you're going to have to do it the old-fashioned way — copy the URL and paste it like it's 2005. We believe in you."},"thirdPartyDataSharing":{"title":"Third-Party Data Sharing","content":"We don't sell your data. We don't trade your data. We don't whisper your data to anyone at parties. We don't have your data. It's hard to sell something you don't have. Believe us, the business model would be much easier if we did, but here we are, doing things the right way."},"userProfiles":{"title":"User Profiles","content":"You don't need an account to use this website. We don't have profiles. We don't know who you are. If you walked past us on the street, we wouldn't recognize you.\n\nThe only accounts we have are data API keys. A key holds an email address, a name, a use case and the accepted terms, and nothing about how you use the website. Everyone else: we literally have zero information about you."},"seriousIntro":{"title":"Okay, But Seriously Now","content":"All jokes aside, complete transparency matters to us. Here is what we actually do, explained plainly and honestly:"},"serverLogFiles":{"title":"1. Server Log Files","content":"Like virtually every website on the internet, ours keeps log files. These logs may contain your IP address, which pages you visited, and when. They exist for security purposes only — diagnosing errors, preventing abuse, and keeping the lights on. They are automatically deleted after 30 days. They are never used for advertising, profiling, or analytics. They are never shared with anyone."},"anonymousAnalytics":{"title":"2. Anonymous Analytics","content":"We use a privacy-focused analytics tool called Umami, hosted on our own server. It helps us understand things like which pages are visited most, so we can make the site better for you.\n\nHere's what makes it different from the usual suspects:\n\n• It does not use cookies.\n• It does not collect personal data.\n• Within a given month, repeat visits from the same browser may be grouped into one session — but you cannot be personally identified. After each month, all sessions reset and every visitor becomes a complete stranger again.\n• IP addresses are used momentarily to determine approximate location (e.g. country-level stats) but are never stored.\n• All data is aggregated and anonymous. We see \"47 people visited this page\", not \"Sven from Malmö visited this page at 14:32 while eating a kanelbulle.\"\n• The analytics data never leaves our own server. No third party has access to it."},"contactForm":{"title":"3. Contact Form","content":"If you use our contact form, the name, email address, and message you enter come to us by email, through Google (Gmail). We keep them in our mailbox as long as we need them to answer you. We share this data with no one else.\n\nTo prevent spam, the contact form and the data API key page use an automatic CAPTCHA from Cloudflare. These are the only pages where a cookie may be set on your device. Cloudflare sets it, not us. Cloudflare's own privacy policy applies to it."},"dataApi":{"title":"4. Data API","content":"If you sign up for a data API key, we store your email address, the name and use case you enter, and when you accepted which version of the data API terms. We use this data to run your key and to contact you about it.\n\nWe keep this data with no time limit. This includes signups whose email address was never confirmed. The data is never shared with anyone."},"cloudflare":{"title":"5. Cloudflare","content":"Our site is served through Cloudflare's network for performance and security. Cloudflare may process some connection data as part of delivering the site to you. They act as infrastructure, not as an advertising platform. See their privacy policy for details."},"summary":{"title":"What We Don't Do — A Summary","items":[{"thing":"Set our own cookies","answer":"No"},{"thing":"Use Google Analytics","answer":"No"},{"thing":"Use Facebook Pixel","answer":"No"},{"thing":"Do browser fingerprinting","answer":"No"},{"thing":"Show ads","answer":"No"},{"thing":"Sell or share data","answer":"No"},{"thing":"Have tracking partners","answer":"No"},{"thing":"Have user accounts","answer":"Only for data API key holders. Their account holds the email, name, use case and terms acceptance."},{"thing":"Store personal data","answer":"Only what data API key holders enter: email, name, use case and terms acceptance. Contact form messages come to us by email. We keep them in our mailbox as long as we need them to answer you."},{"thing":"Re-identify returning visitors","answer":"Within a month, repeat visits may be grouped into one session — but visitors cannot be personally identified. Sessions reset monthly."},{"thing":"Display a cookie banner","answer":"No (nothing to consent to)"}]},"philosophy":{"title":"Our Philosophy","content":"User experience is king. You came here to compare mortgage rates, not to be the product. We built this site to increase transparency in the Swedish mortgage market — it would be a bit ironic if we weren't transparent about how the site itself works.\n\nWe collect the bare minimum necessary to make the technology function. Nothing more."},"questions":{"title":"Questions?","content":"If you have any questions about this privacy policy, or if you just want to tell us you appreciate a website that doesn't assault you with cookie popups, feel free to reach out through our contact form."},"footer":{"content":"This privacy policy was written by humans (with a sense of humor) and applies to the website bolanradar.se operated by Bolån Radar."}}},"automatedAccess":{"title":"Automated access","message":"Please don't scrape our rate data. For data integrations, ask for access to our Data API. It is free for research and free with limits for commercial use. Contact us for an API key.","messageSignup":"Please don't scrape our rate data. For data integrations, use our Data API. Sign up for a free API key."},"dataApiAccess":{"signup":{"description":"We send a link to your email address. Open it to see your key.","email":"Email","name":"Name or organisation","namePlaceholder":"Anna Andersson, Example AB","useCase":"What will you use the data for?","useCasePlaceholder":"Rate comparison in our budgeting app","acceptTerms":"I accept the data API terms.","submit":"Send me a link"},"recover":{"description":"We send a link to a new key. The new key replaces your old key when you open the link. Your webhooks stay.","email":"Email address of your key","submit":"Send me a link"},"emailPlaceholder":"you@example.com","submitting":"Sending","sent":{"title":"Check your inbox","message":"If this address can get a link, we have sent it. The link works once and for 1 hour. Look in your spam folder too."},"errors":{"emailRequired":"Enter an email address.","emailInvalid":"Enter a valid email address.","emailTooLong":"The email address is too long.","nameRequired":"Enter your name or the name of your organisation.","nameTooLong":"The name is too long.","useCaseRequired":"Tell us what you will use the data for.","useCaseTooLong":"The text is too long.","termsRequired":"Accept the terms to get a key.","turnstileRequired":"Complete the verification.","network":"We could not reach the data API. Check your connection and try again.","invalidInput":"The data API did not accept the request. Check the fields and try again.","unauthorized":"This API key is not valid. If you lost your key, use Rotate API key.","invalidLink":"This link does not work any more. A link works once and for 1 hour. Ask for a new one.","emailTaken":"Another API key uses this email address.","tooManyRequests":"Too many requests. Wait a while and try again.","unavailable":"The data API cannot take requests right now. Try again in a few minutes.","server":"Something went wrong. Try again later."},"verify":{"metadata":{"title":"Confirm your data API link","description":"Finish the request from your Bolån Radar data API email."},"pageTitle":"Your data API link","intro":"Click the button to finish the request from your email. The link works once.","hints":"If you asked for a new key, your old key stops working when you click. If the link confirms a new email address, the button confirms it.","showKey":"Show my API key","missingToken":"This page needs the link from your email. Open the link again, or ask for a new one.","requestNew":"Ask for a new link","keyTitle":"Your API key","keyWarning":"We show this key only once. Copy it and store it safely now. If you lose it, get a new key under Rotate API key.","copy":"Copy","copied":"Copied","emailChangedTitle":"Email address changed","emailChangedMessage":"Your API key now belongs to the new email address. The key stays the same."}},"dataApiTerms":{"metadata":{"title":"Data API terms","description":"The terms of the Bolån Radar data API: plans, attribution, rate limits and warranty."},"pageTitle":"Data API terms","version":"Version {version}","englishOnly":"These terms are in English only.","sections":{"scope":{"title":"1. Scope","content":"These terms apply to the Bolån Radar data API at data-api.bolanradar.se and to every key for it. You accept them when you sign up for a key."},"plans":{"title":"2. Plans","content":"Free plan: banks, municipalities and MFIs (monetary financial institutions). Current rates, up to 1 hour old. Average rates from January 2016. List rates and range rates of the last 12 months. No webhooks.\n\nPaid plan: everything in the free plan, plus the full rate history and webhooks. Contact us for the paid plan."},"attribution":{"title":"3. Attribution","content":"When you show the data in public, name Bolån Radar as the source. Link to www.bolanradar.se where the medium allows a link."},"redistribution":{"title":"4. No resale","content":"Do not resell or redistribute the raw data. Do not offer it as a dataset that competes with Bolån Radar. You may build products and analyses on the data and publish their results."},"rateLimits":{"title":"5. Rate limits","content":"Each key has rate limits. The API reference lists them. Do not try to get around them."},"revocation":{"title":"6. Revocation","content":"We can revoke a key that is used for abuse or against these terms. We can also revoke free plan access at any time, without giving a reason."},"warranty":{"title":"7. No warranty","content":"The data is provided as is, without warranty of any kind. Rates come from the lenders and can be wrong, late or missing. The free plan has no uptime guarantee."},"personalData":{"title":"8. Your data","content":"We store your email address, name, use case and your acceptance of these terms. The privacy policy says how."},"changes":{"title":"9. Changes","content":"We can change these terms. We tell you about a change by email, to the address of your key, before it applies."}}},"bankPage":{"metaTitle":"{bank} mortgage rates: current and historic rates","metaDescription":"Mortgage rates from {bank} for every binding period: list rate, average rate and rate range, each with its date. See how the average rate has changed since 2016.","logoLinkLabel":"Go to the {bank} page","ratesHeading":"Current rates","swedbankListRatesNote":"The list rates are Swedbank's. {bank} uses Swedbank's list rates.","lastChecked":"Last checked: {date}","sourceLink":"The bank's mortgage page, the source of these rates","aboutHeading":"About {bank}","requirementsHeading":"Loan requirements","discountsHeading":"Discounts","historyHeading":"Average rate over time","historyDescription":"Average rate per month for each binding period.","historyEmpty":"There is no rate history for this bank.","ratesTable":{"caption":"Mortgage rates from {bank} per binding period","term":"Binding period","listRate":"List rate","averageRate":"Average rate","rangeRate":"Rate range","validFrom":"Valid from {date}","referenceMonth":"For {month}","empty":"This bank has no published rates right now."}},"rateCoverage":{"metadata":{"title":"Rate coverage","description":"See which Swedish banks have list rates and range rates in the Bolån Radar data API, quarter by quarter, and where the history has gaps of 3 months or more."},"pageTitle":"Rate coverage","intro":"Each row is a bank and each column is a calendar quarter. A filled cell means the data API has at least one rate of that kind for the bank in that quarter. Darker cells cover more days of the quarter. A red outline marks a gap of {months} months or more without any rate.","quarter":"Q{quarter} {year}","kinds":{"list":"List rates","range":"Range rates"},"summary":{"banks":"banks with rates, {sparbanker} of them Swedbank sparbanker","earliest":"earliest rate, {bank}","gaps":"gaps of {months} months or more","asOf":"data as of"},"controls":{"kind":"Rate kind","kinds":{"both":"Both","list":"List rates","range":"Range rates"},"startYear":"Start year","sort":"Sort by","sorts":{"name":"Name","first":"First quarter","coverage":"Coverage"}},"legend":{"shareTitle":{"list":"List rates: share of the quarter's days with a rate","range":"Range rates: share of the quarter's days with a rate"},"shade1":"1-25%","shade2":"25-50%","shade3":"50-75%","shade4":"75-100%","markersTitle":"Markers","gap":"Gap: no rate for {months} months or more","outside":"Before the first or after the last rate","halves":"With both kinds shown, the top half is list rates and the bottom half is range rates.","sparbanker":"Swedbank sparbanker get Swedbank's list rates in the data API. They have no range rates."},"table":{"label":"Rate coverage by bank and quarter","bank":"Bank","quarters":"Quarters","coverage":"Coverage","gaps":"Gaps","sparbankerRow":"Swedbank sparbanker ({count})","stripLabel":"Rate coverage of {name} by quarter","mobileStats":"{coverage}, {gaps, plural, one {# gap} other {# gaps}}"},"tooltip":{"sparbankSource":"Source: Swedbank's list rates","none":{"list":"No list rates in the data API.","range":"No range rates in the data API."},"beforeFirst":"Before the first rate on {date}.","afterLast":"After the last rate on {date}.","daysCovered":"Days covered: {covered} of {days}","terms":"Terms with a rate: {terms}","gap":"Gap: no rate from {from} to {through}, {days} days"},"notes":{"coverage":"Coverage is the share of days with at least one rate of that kind. It counts from the bank's first rate of that kind to the data date. The start year does not change it.","gaps":"Gaps counts the breaks of {months} calendar months or more without any rate of that kind. A break runs from the first day without a rate to the next day with one. Example: no rate from 15 January to 14 April is a gap. The next rate, on 15 April, comes 3 months after 15 January. A shorter break only makes the cell lighter. Every quarter that a gap touches gets the red outline.","terms":"Terms in the tooltip is the number of fixed-rate periods, such as 3 months or 5 years, with a rate on at least one day of the quarter."}},"dataApiDocs":{"metadata":{"title":"Data API docs","description":"Reference for every endpoint of the Bolån Radar data API: current and historic Swedish mortgage rates as JSON, with request and response examples."},"pageTitle":"API Docs","intro":"Every endpoint of the data API, with examples. The examples use a demo key. Get your own key. The same reference is also available as an OpenAPI file."},"historicDataTabs":{"label":"Historic data and data API","historic":"Historic data","dataApi":"Data API","docs":"API Docs"},"dataApiKeys":{"create":"Create API key","rotate":"Rotate API key","rotateWarning":"Opening the link in the email replaces your key at once. The old key stops working.","noSignup":"Contact us for an API key."},"news":{"title":"News","description":"Short news about mortgage rates, the Riksbank and the housing market.","metadata":{"title":"News about mortgages and rates","description":"Short news about Swedish mortgage rates, the policy rate, amortization rules and the housing market. Updated when something happens that affects your mortgage.","pageTitle":"News about mortgages and rates, page {page}"},"tag":{"heading":"News: {tag}","metaTitle":"News about {tag}","metaDescription":"All news from Bolån Radar with the tag {tag}."},"empty":"There is no news yet.","tagEmpty":"There is no news with this tag yet.","allNews":"All news","tags":"Tags","updated":"Updated {date}","rssLink":"Subscribe with RSS","rss":{"title":"Bolån Radar - News","description":"Short news about mortgage rates, the Riksbank and the housing market in Sweden."},"pagination":{"navigation":"Pages of news","previous":"Previous","next":"Next","status":"Page {page} of {total}"},"teaser":{"heading":"Latest news","allNews":"All news"}}},"now":"$undefined","timeZone":"UTC","children":"$L43"}]

News: Sparbanken Skåne

Swedish one-year mortgages: median up to 3.10% in September 2026