Mortgage Dictionary

A

🇸🇪BetalningsförmågaAbility to pay (repayment capacity, debt service ability): Credit Assessmentapplicationrequirements; The bank's assessment of whether you can handle paying the loan. Based on income, expenses, and financial stability.
🇸🇪MäklararvodeAgent commission (realtor fee, brokerage fee): Real Estate Agentsone-time-costnegotiationnegotiable; What the agent costs, usually a percentage of the price or a fixed amount. Paid by the seller.
🇸🇪AmorteringAmortization (principal repayment, loan repayment): Amortizationrequirementsrecurring-cost; The part of your monthly payment that reduces the actual debt. Unlike interest which is a cost, amortization is a form of saving.
🇸🇪AmorteringsundantagAmortization exemption (repayment holiday, payment deferral): Amortizationapplicationrequirements; Temporary exemption from amortization requirements under special circumstances like income loss.
🇸🇪AmorteringskravAmortization requirement (mandatory amortization, repayment requirement, mandatory repayment, compulsory amortization): AmortizationRegulationrequirementsrecurring-cost; Rules stating how much you must amortize based on loan-to-value (debt ratio requirement removed in April 2026). Set by the Financial Supervisory Authority.
🇸🇪AmorteringsplanAmortization schedule (repayment plan, payoff schedule): Amortizationrecurring-cost; A plan for how quickly you pay off the loan. Shows how the debt decreases over time.
🇸🇪BiareaAncillary area (secondary area, supplementary space): Areasvacation-homehouse; Area not counted as living space, like basement and garage. Valued lower per square meter.
🇸🇪AnnuitetAnnuity loan (fixed payment loan): Amortizationrecurring-cost; A loan type where the monthly payment is constant but the split between interest and amortization changes over time. In the beginning, it's mostly interest.
🇸🇪UppläggningsavgiftArrangement fee (setup fee, origination fee, loan setup fee): Interest Ratesone-time-costnegotiationnegotiable; A one-time fee when you take out a new loan. Can sometimes be negotiated away, especially when switching banks.
🇸🇪UtgångsprisAsking price (listing price, starting price): Buying and Sellingnegotiation; The price the seller asks for initially. The final price can be both higher and lower depending on interest.
🇸🇪TaxeringsvärdeAssessed value (tax assessment value, rateable value, tax value): Loan-to-Value and ValuationProperty Assessmentvacation-homehouse; The Tax Agency's valuation of the property. Used for property tax and can differ from market value.
🇸🇪Föreningens belåningAssociation debt (co-op debt, association loans): Housing Cooperativeapplicationhousing-cooperative; How much the association has borrowed. High debt increases the risk of fee increases and can make it harder to sell.
🇸🇪Automatisk värderingAutomated valuation (AVM, automated valuation model): Valuation; Computer-based valuation using statistics. Fast and cheap but less accurate.
🇸🇪SnitträntaAverage rate (mean rate, typical rate): Interest Ratesnegotiationrecurring-cost; The average of what the bank's customers actually pay. Good to compare with to see if you got a reasonable offer.

B

🇸🇪BankgarantiBank guarantee (letter of guarantee): Transfer; The bank guarantees the deposit instead of you paying cash. Convenient if your money is tied up.
🇸🇪BankbyteBank switch (mortgage transfer, refinancing): Discounts and Negotiationnegotiation; Moving your mortgage to another bank to get a better rate. Often the most effective way to lower your rate.
🇸🇪BankvärderingBank valuation (lender valuation, mortgage valuation): Loan-to-Value and Valuationapplication; The bank's own assessment of the property's value. Determines how much they're willing to lend.
🇸🇪BankIDBankID (electronic ID, digital identification): Digital Toolsapplicationrequirements; Digital identification for signing loan agreements and other documents. Required to manage loans online.
🇸🇪BudgivningBidding (auction, bid process): Buying and Sellingnegotiation; The process where interested buyers bid against each other. Don't start bidding without loan approval and inspection.
🇸🇪KöpebrevBill of sale (deed of conveyance, transfer deed): Buying and Sellingvacation-homerequirementshouse; The document proving ownership has transferred to you. Written when the full purchase price is paid.
🇸🇪LåntagareBorrower (mortgagor, debtor): Basic Loan Termsapplication; You who take the mortgage and are obligated to repay it. If two of you buy together, both are borrowers.
🇸🇪BrygglånBridge loan (bridging loan, swing loan): Buying and Sellingapplicationrecurring-cost; A temporary loan when you buy a new property before selling the old one. Repaid when your old property sells.
🇸🇪BesiktningsmanBuilding inspector (surveyor, home inspector): Loan-to-Value and Valuationone-time-cost; Expert who examines the property's condition. Choose one who is certified and has liability insurance.
🇸🇪BygglovBuilding permit (planning permission): Land and Plotsapplicationone-time-costvacation-homerequirementsnew-constructionhouse; Permission from the municipality to build. Without a permit, you cannot build new or make major changes.

C

🇸🇪KapitaltillskottCapital contribution (special assessment, capital call): Housing Cooperativehousing-cooperativeone-time-cost; When members must contribute extra money, often for major renovations. Can be an unwelcome expense.
🇸🇪KapitalvinstskattCapital gains tax (CGT, profit tax): Taxes and Feesone-time-costrequirements; 22% tax on the profit when you sell your property. Can be deferred with rollover relief if you buy a new one.
🇸🇪Auktoriserad fastighetsvärderareCertified property appraiser (licensed valuer, chartered surveyor): Valuationone-time-cost; Certified expert in valuing properties. May be needed in disputes or special situations.
🇸🇪TillträdeClosing (completion, settlement, possession date): Buying and Selling; The day you get the keys and the property becomes yours. The rest of the purchase price is paid and the loan starts.
🇸🇪MedlåntagareCo-borrower (joint borrower, co-applicant): Basic Loan Termsapplication; A person who takes the loan together with you, for example a partner. You are both responsible for the entire loan.
🇸🇪BostadsrättsförsäkringCo-op insurance (housing cooperative insurance): Insurancehousing-cooperativerecurring-cost; Addition to home insurance covering what the apartment owner is responsible for, like interior surfaces.
🇸🇪SamäganderättsavtalCo-ownership agreement (joint ownership agreement): Ownership and Sharing; Agreement between co-owners about how joint ownership should work. Regulates what happens if someone wants to sell.
🇸🇪SamboavtalCohabitation agreement (domestic partnership agreement): Ownership and Sharing; Agreement between cohabiting partners about who owns what. Without agreement, cohabitation property is split equally at separation.
🇸🇪PantCollateral (security, pledge): Collateralrequirements; The property as guarantee for the loan. If you don't pay, the bank can ultimately sell the property.
🇸🇪OrtsprismetodenComparable sales method (market comparison approach, sales comparison): Valuation; Valuing a property by comparing with what similar properties have sold for. The most common method.
🇸🇪JämförelsetjänstComparison service (rate comparison site, comparison website): Digital Toolsnegotiation; Websites that compare rates between banks. Gives overview but doesn't always show personalized offers.
🇸🇪TillträdesdatumCompletion date (closing date, settlement date): Transfer; The day you get the keys and the property officially becomes yours. That's when your mortgage also starts.
🇸🇪FärdigställandeskyddCompletion guarantee (builder's warranty, construction insurance): New Constructionrequirementsnew-constructionhouse; Insurance that protects you if the construction company goes bankrupt. Mandatory for new construction.
🇸🇪ÄgarlägenhetCondominium (condo, freehold apartment, freehold flat): Housing TypesProperty Typeshouse; An apartment you actually own, like a house but in an apartment building. Uncommon in Sweden but exists.
🇸🇪BygglånConstruction loan (building loan, self-build mortgage): New Constructionapplicationrecurring-costnew-constructionhouse; A loan during construction that is paid out in stages. Converted to a regular mortgage when the house is finished.
🇸🇪KonsumentkreditlagenConsumer Credit Act (consumer lending law): Regulationrequirements; The law that protects you when borrowing money. Gives you right to clear information and certain cancellation rights.
🇸🇪FörbehållContingency (condition, subject to clause): Real Estate Law; Conditions in the purchase agreement that must be met for the deal to go through. For example, inspection or financing.
🇸🇪Öppet köpCooling-off period (right of rescission, return policy): Real Estate Lawnegotiation; Right to cancel the purchase within a period. Unusual in property purchases but can be negotiated.
🇸🇪KreditprövningCredit assessment (credit evaluation, loan assessment, underwriting): Basic Loan Termsapplicationrequirements; The bank's review of your finances to determine if you can get a loan and how much. They check income, expenses, other loans, and payment history.
🇸🇪KreditupplysningCredit report (credit check, credit history, credit file): Basic Loan Termsapplicationrequirements; Information about your financial history that the bank retrieves from credit agencies. Shows previous loans, defaults, and debts.
🇸🇪KreditscoringCredit scoring (credit score, credit rating): Credit Assessmentapplication; A scoring of your creditworthiness based on your financial history. Higher score gives better loan terms.
🇸🇪KreditvärdighetCreditworthiness (credit score, credit rating): Basic Loan Termsapplication; A measure of how reliable you are as a borrower based on your financial history. High creditworthiness gives better interest rates.

D

🇸🇪OmlåningDebt consolidation (loan consolidation, refinancing): Loan Productsapplication; Combining multiple loans into one, often to get a better rate or organize finances.
🇸🇪SkuldsättningsgradDebt ratio (debt-to-income ratio, leverage ratio, gearing): Basic Loan Termsapplicationrequirements; How much you owe in relation to your income or the property value. Banks look closely at this when assessing if you can get a loan.
🇸🇪SkuldsaneringDebt restructuring (debt relief, insolvency arrangement): Risks and Issues; A last resort for those who can't pay their debts. Means living on subsistence level for several years.
🇸🇪SkuldkvottakDebt-to-income cap (DTI limit, income multiple cap): Regulationrequirements; Discussed rule on maximum debt relative to income. Would limit how much you can borrow.
🇸🇪SkuldkvotDebt-to-income ratio (DTI, income multiple): Financial Metricsapplicationrequirements; Total debt divided by annual income. The extra amortization requirement for debt over 4.5 times income was removed in April 2026.
🇸🇪UppskovsräntaDeferral interest (deferred tax interest): Taxes and Feesrequirementsrecurring-cost; An annual tax on your deferred amount. Having a deferral costs money, but often cheaper than paying the tax immediately.
🇸🇪HandpenningsavtalDeposit agreement (earnest money contract): one-time-costTransfer; Agreement that earnest money is paid as security for the purchase. The deposit is forfeited if you back out without valid reason.
🇸🇪VillaDetached house (single-family home, house): Property Typeshouse; Your own house on your own land. You own both the house and the plot and are responsible for all maintenance yourself.
🇸🇪Disponibel inkomstDisposable income (discretionary income): Economy and Incomeapplication; What you have left after fixed expenses. Shows your real ability to pay.
🇸🇪BodelningDivision of property (property settlement, asset division): Ownership and Sharing; Division of assets at separation or death. The property is often the largest asset to divide.
🇸🇪KontantinsatsDown payment (deposit, equity, cash deposit): Loan-to-Value and Valuationone-time-costrequirements; At least 10% of the purchase price (lowered from 15% since April 2026) that you must pay with your own money. Cannot be borrowed as a mortgage.
🇸🇪DubbelboendeDual housing (double ownership, parallel ownership): Buying and Sellingrecurring-cost; The period when you own two properties simultaneously. Expensive because you have double housing costs.
🇸🇪UpplysningspliktDuty to disclose (seller's disclosure duty): Legal Termsrequirements; The seller's obligation to tell about known defects. Doesn't cover everything - that's why inspection is important.
🇸🇪UndersökningspliktDuty to investigate (buyer's investigation duty, caveat emptor): Legal Termsrequirements; Your responsibility to thoroughly examine the property before buying. You can't complain about defects you should have found.

E

🇸🇪HandpenningEarnest money (deposit, good faith deposit): Buying and Sellingone-time-cost; Part of the purchase price paid immediately at contract signing, usually 10%. Shows you're serious.
🇸🇪ServitutEasement (right of way, servitude): Land and Plotsvacation-homehouse; A right to use someone else's land, for example for a road or utilities. Registered and follows the property.
🇸🇪Effektiv räntaEffective interest rate (APR, annual percentage rate, true cost of credit): Interest Ratesrequirementsrecurring-cost; The total cost of the loan including fees, expressed as a rate. Good for comparing offers between banks.
🇸🇪GravationsbevisEncumbrance certificate (title search, liens certificate): Real Estate Lawvacation-homerequirementshouse; Shows what mortgages and encumbrances exist on the property. Important to check before purchase.
🇸🇪EnergideklarationEnergy performance certificate (EPC, energy rating): Green Loansrequirements; A grade of the property's energy consumption from A to G. Affects whether you can get a green mortgage.
🇸🇪KronofogdenEnforcement Authority (Swedish Enforcement Agency, bailiff): Authorities; The authority that collects unpaid debts. In the worst case, they can force the sale of the property.
🇸🇪FastighetsmäklarinspektionenEstate Agents Inspectorate (FMI, real estate regulator): Real Estate Agentsrequirements; The authority that supervises real estate agents. Where you can report if an agent has done wrong.

F

🇸🇪AvgiftshöjningFee increase (rate hike, service charge increase): Housing Cooperativehousing-cooperativerecurring-cost; When the association raises the monthly fee. Check the association's finances to assess the risk of increases.
🇸🇪SlutprisFinal price (sale price, selling price): Buying and Selling; The price the property actually sells for. Good to check final prices in the area to assess a reasonable level.
🇸🇪Ekonomisk planFinancial plan (economic plan, business plan): Housing Cooperativehousing-cooperativerequirements; The association's financial forecast. Important document to review before buying a housing cooperative apartment.
🇸🇪FinansinspektionenFinancial Supervisory Authority (FI, FSA): Authoritiesrequirements; The authority that sets the rules for mortgages, such as amortization requirements and loan-to-value caps.
🇸🇪BottenlånFirst mortgage (primary mortgage, senior loan): Basic Loan Termsnegotiationrecurring-cost; The part of the mortgage with the lowest risk for the bank, typically up to 90% of the property value (raised from 85% since April 2026). This is where you get the best interest rate.
🇸🇪Bunden räntaFixed rate (locked rate, fixed interest): Interest Ratesnegotiationnegotiablerecurring-cost; An interest rate that is locked for a certain period, such as 3 or 5 years. Provides security but can become more expensive if market rates fall.
🇸🇪Bolån med bunden räntaFixed rate mortgage (fixed-rate loan): Loan Productsnegotiationnegotiablerecurring-cost; Loan where the rate is locked for a period. Security but can become more expensive if market rates fall.
🇸🇪RäntebindningstidFixed rate period (rate lock period, interest rate term): Interest Ratesnegotiationrecurring-cost; How long your fixed rate applies, such as 1, 3, 5, or 10 years. When the period ends, you negotiate a new rate.
🇸🇪TvångsförsäljningForced sale (foreclosure, repossession): Risks and Issues; When the property is sold against your will to pay debts. The final step when payments have been missing for a long time.
🇸🇪ÄganderättFreehold (ownership, fee simple): Housing Typesvacation-homehouse; You own the property and land yourself. Most common for houses and gives the most control.
🇸🇪HelkundsrabattFull customer discount (relationship discount, package discount): Discounts and Negotiationnegotiationnegotiable; Better rate if you consolidate all your banking with the same bank - salary, savings, insurance, and more.

G

🇸🇪God fastighetsmäklarsedGood estate agency practice (professional conduct standards): Real Estate Agentsrequirements; The rules for how agents should behave. They should be impartial and give correct information to both parties.
🇸🇪Grönt bolånGreen mortgage (green loan, eco mortgage): Green Loansapplicationnegotiationnegotiablerecurring-cost; Mortgage with a discount for energy-efficient properties. Often requires energy class A or B.
🇸🇪BruttoinkomstGross income (pre-tax income, gross salary): Economy and Incomeapplication; Your salary before tax. The bank often looks at this when assessing how much you can borrow.
🇸🇪TomträttsavgäldGround rent (site leasehold fee, land rent): Land and Plotsrecurring-costhouse; The annual fee you pay to the municipality if you have site leasehold. Counted into your housing costs by the bank.
🇸🇪BorgenGuarantee (surety, guarantor arrangement, co-signer): Basic Loan Termsapplication; When someone else, often a parent, vouches for your loan and promises to pay if you can't. Can help first-time buyers get a loan.

H

🇸🇪Dolda felHidden defects (latent defects, concealed defects): Legal Termsrequirements; Defects in the property that couldn't be discovered at purchase. The seller is liable for 10 years for houses.
🇸🇪HemförsäkringHome insurance (household insurance, contents insurance): Insurancerequirementsrecurring-cost; Insurance for your home and belongings. Usually required by the bank to get a mortgage.
🇸🇪VillaförsäkringHouse insurance (homeowners insurance, building insurance): Insurancevacation-homerequirementsrecurring-costhouse; Insurance for the house that includes home insurance. Mandatory in practice for homeowners.
🇸🇪BostadsprisindexHouse price index (property price index, HPI): The Market; Measure of how property prices develop. Shows if the market is going up or down.
🇸🇪BostadsbubblaHousing bubble (property bubble, real estate bubble): Risks and Issues; When property prices have risen unsustainably high and risk falling sharply. Can lead to owing more than the property is worth.
🇸🇪BoendekalkylHousing budget (affordability calculation, mortgage calculator): Economy and Incomeapplication; A calculation of your total housing costs - interest, amortization, fees, operation. Helps you know what you can afford.
🇸🇪BostadsrättsföreningHousing cooperative (housing association, co-op, BRF): Housing Cooperativehousing-cooperative; The association that owns the building where you have your apartment. The association's finances affect your housing costs and how much you can borrow.
🇸🇪BostadsrättHousing cooperative apartment (co-op apartment, tenant-owner apartment, co-op, tenant-ownership): Housing TypesProperty Typeshousing-cooperative; You buy the right to live in the apartment, not the apartment itself. The association owns the building and you pay a monthly fee.
🇸🇪BoendekostnadHousing cost (cost of living, occupancy cost): Economy and Incomerecurring-cost; All costs for your housing - loan, fees, electricity, heating, insurance, and more.
🇸🇪BoendekostnadsprocentHousing cost ratio (housing expense ratio, front-end ratio): Financial Metricsapplication; How much of income goes to housing. Banks don't like if it exceeds 30-35%.
🇸🇪BostadsmarknadHousing market (property market, real estate market): The Market; The market where properties are bought and sold. Prices are affected by interest rates, economy, and supply.
🇸🇪BosparandeHousing savings (home savings, deposit savings): Economy and Incomeapplication; Savings earmarked for property purchase. Shows the bank you're disciplined and can manage money.
🇸🇪HypotekHypothec (mortgage security): Collateralvacation-homerequirementshouse; Another word for pledge in real property. Mortgages are sometimes called hypothec loans.

I

🇸🇪InflationInflation (price increase, rising prices): Macroeconomics; When money becomes worth less and prices rise. The Riksbank raises rates to combat inflation.
🇸🇪RäntekostnadInterest cost (interest expense, interest payment): Interest Ratesrecurring-cost; What you actually pay in interest each month or year. Together with amortization, it becomes your monthly loan cost.
🇸🇪RänteavdragInterest deduction (mortgage interest deduction, tax relief on interest, mortgage interest relief): Interest RatesTaxes and Feesrecurring-cost; You can deduct 30% of your interest costs on your taxes. Reduces the actual cost of your mortgage.
🇸🇪RäntepåslagInterest margin (bank margin, spread, markup): Interest Ratesnegotiationnegotiablerecurring-cost; What the bank adds on top of their own borrowing cost to lend you money. There's room for negotiation here.
🇸🇪RäntetakInterest rate cap (rate ceiling, cap): Interest Ratesrecurring-cost; A limit on how high the interest rate can go, sometimes offered as insurance. Protects against extreme rate increases.
🇸🇪RäntesänkningInterest rate cut (rate reduction, rate decrease): Macroeconomics; When the rate is lowered. Gives lower monthly payment on variable rate loans.
🇸🇪RänterabattInterest rate discount (rate discount, rate reduction): Discounts and Negotiationnegotiationnegotiable; Deduction from the list rate that you get through negotiation or meeting certain conditions. Most people get some form of discount.
🇸🇪RäntehöjningInterest rate hike (rate increase, rate rise): Macroeconomics; When the Riksbank or your bank raises the rate. Makes your mortgage more expensive.
🇸🇪RänteriskInterest rate risk (rate risk): Interest Ratesrecurring-cost; The risk that interest rates rise and your monthly costs increase. Important to calculate if you can handle higher rates.
🇸🇪AmorteringsfrittInterest-only (amortization-free, no amortization): Amortizationrequirementsrecurring-cost; Not having to amortize for a period. Was more common before; now special reasons like illness or unemployment are required.

J

🇸🇪Solidariskt ansvarJoint and several liability (joint liability, shared responsibility): Basic Loan Termsrequirements; When multiple people take a loan together, each one is responsible for the entire debt, not just their share. The bank can demand the full amount from anyone.
🇸🇪SamägandeJoint ownership (co-ownership, shared ownership): Ownership and Sharing; Owning property together with someone, often 50/50. Important to have clear agreements about what applies.

L

🇸🇪ArrendeLand lease (ground rent, leasehold): Land and Plotsvacation-homerecurring-costhouse; Renting land to have your house on instead of owning it. The lease fee becomes an ongoing cost.
🇸🇪FastighetsregistretLand Registry (property register, cadastre): Real Estate Lawvacation-homerequirementshouse; Lantmäteriet's register of all properties and who owns them. Public information.
🇸🇪LantmäterietLantmäteriet (Swedish Land Registry, Swedish mapping authority): Authoritiesapplicationvacation-homerequirementshouse; The authority that handles title registrations, mortgage deeds, and the property register. You have contact with them when buying a house.
🇸🇪KALPLeft to live on (residual income, living expenses margin): Economy and Incomeapplicationrequirements; The bank's calculation of what you have left each month after housing costs and other fixed expenses. Must exceed a minimum level.
🇸🇪LångivareLender (creditor, mortgagee, credit provider): Basic Loan Termsnegotiation; The bank or mortgage institution that gives you the loan. They are who you negotiate the interest rate with.
🇸🇪PanträttLien (security interest, charge): Collateralvacation-homerequirementshouse; The bank's right to claim the property if you don't pay the loan. This is why mortgage rates are low - the bank has security.
🇸🇪ListräntaList rate (posted rate, standard rate, rack rate): Interest Ratesnegotiationnegotiablerecurring-cost; The bank's official rate before negotiation. Almost everyone gets a discount on the list rate, so see it as a starting price.
🇸🇪BoareaLiving area (habitable area, floor area): Areas; The area you actually live in. What counts when price per square meter is quoted.
🇸🇪LåneavtalLoan agreement (mortgage contract, loan contract, promissory note): Basic Loan Termsapplication; The legal agreement between you and the bank that governs the loan, interest rate, amortization, and all terms.
🇸🇪LånebeloppLoan amount (principal, loan principal): Basic Loan Termsapplication; The sum you borrow from the bank to buy the property. Together with your down payment, it becomes the purchase price.
🇸🇪LåneansökanLoan application (mortgage application): Basic Loan Termsapplication; The formal application you submit to the bank to get a mortgage. Contains information about your finances, income, and the property you want to buy.
🇸🇪LånelöfteLoan commitment (mortgage pre-approval, loan promise, approval in principle): Basic Loan Termsapplication; A preliminary decision from the bank on how much you can borrow. Important to have before you start looking for a home so you know your budget.
🇸🇪LöptidLoan term (tenure, repayment period): Amortizationnegotiation; How long it takes to pay off the loan completely. Longer term gives lower monthly payment but more total interest paid.
🇸🇪Belåningsgrad (LTV)Loan-to-value (LTV) (LTV ratio): Financial Metricsapplicationrequirements; The loan amount divided by the property value in percent. Below 50% gives lowest amortization requirement.
🇸🇪BelåningsgradLoan-to-value ratio (LTV, LTV ratio): Loan-to-Value and Valuationapplicationrequirements; How much of the property's value you're borrowing, expressed as a percentage. Maximum 90% with a mortgage (raised from 85% since April 2026); the rest must be down payment.

M

🇸🇪UnderhållsfondMaintenance reserve (repair fund, sinking fund): Housing Cooperativehousing-cooperative; Money the association saves for future renovations. A large fund reduces the risk of increased fees or special assessments.
🇸🇪StorbankMajor bank (big bank, full-service bank): Banks and Credit Institutionsnegotiation; The large banks like Swedbank, Handelsbanken, SEB, and Nordea. Often don't have the best rates but offer full service.
🇸🇪MarknadsvärdeMarket value (fair market value, market price): Loan-to-Value and Valuationapplication; What the property is worth on the market right now. Forms the basis for how much you can borrow.
🇸🇪MedlemsrabattMembership discount (union discount, affinity discount): Discounts and Negotiationnegotiationnegotiable; Discount through being a member of a union or organization that has an agreement with the bank.
🇸🇪MånadsavgiftMonthly fee (maintenance fee, service charge, HOA fee): Housing Cooperativehousing-cooperativerecurring-cost; What you pay to the association each month for operation and maintenance. Counted into your housing costs by the bank.
🇸🇪MånadskostnadMonthly payment (monthly cost, monthly installment): Amortizationrecurring-cost; What you pay the bank each month - interest plus amortization plus any fees. The foundation of your housing budget.
🇸🇪BolånMortgage (mortgage loan, home loan, housing loan): Basic Loan Termsapplication; A loan you take to buy a home, where the property itself serves as collateral. Usually the largest loan a private individual takes.
🇸🇪BolånerådgivareMortgage advisor (loan officer, mortgage consultant): Banks and Credit Institutionsapplicationnegotiation; The person at the bank you talk to about your mortgage. They're who you negotiate the rate with.
🇸🇪BolånekalkylatorMortgage calculator (loan calculator, affordability calculator): Digital Tools; Online tool to calculate monthly payments and how much you can borrow. Good for planning.
🇸🇪BolånetakMortgage cap (LTV cap, loan-to-value limit): Regulationrequirements; The rule that you can borrow maximum 90% of the property value (raised from 85% since April 2026) as a mortgage. The rest must be down payment.
🇸🇪PantbrevMortgage deed (mortgage certificate, title deed): Loan-to-Value and Valuationone-time-costvacation-homerequirementshouse; A certificate proving that the property can be used as loan collateral. Either already exists in the property or new ones must be issued.
🇸🇪PantbrevskostnadMortgage deed fee (mortgage registration fee): Loan-to-Value and Valuationone-time-costvacation-homerequirementshouse; 2% of the mortgage deed amount paid to the government when new deeds are issued. A one-time cost when buying.
🇸🇪BolåneräntaMortgage interest rate (mortgage rate, home loan rate): Interest Ratesnegotiationnegotiablerecurring-cost; The cost of borrowing money for the property, expressed as a percentage per year. The most important factor for your monthly payment.
🇸🇪InteckningMortgage lien (encumbrance, charge): Loan-to-Value and Valuationvacation-homerequirementshouse; A registration in the property showing it can be used as loan collateral. The mortgage deed is proof of the lien.
🇸🇪BolånemarknadMortgage market (home loan market): The Market; The market for mortgages. Competition here affects what rates you can get.

N

🇸🇪FörhandlingsrabattNegotiated discount (bargained rate): Discounts and Negotiationnegotiationnegotiable; Discount you get by actively negotiating with the bank. Call and compare with other banks' offers.
🇸🇪NettoinkomstNet income (take-home pay, after-tax income): Economy and Incomeapplication; What you get after tax. This is the money you actually have to pay the mortgage with.
🇸🇪NyproduktionNew construction (new build, newly built): Property Typesnew-construction; A brand new property no one has lived in. Often higher price but lower maintenance costs in the first years.
🇸🇪NischbankNiche bank (specialist lender, mortgage bank): Banks and Credit Institutionsnegotiation; Banks specializing in mortgages, like SBAB or Skandia. Often lower rates but fewer services.
🇸🇪Nominell räntaNominal interest rate (stated rate, headline rate): Interest Ratesrecurring-cost; The interest rate without fees included. This is usually what banks talk about, but effective rate shows the real cost.

O

🇸🇪Öppen budgivningOpen bidding (transparent bidding): Buying and Sellingnegotiation; When all bidders see each other's bids. Gives better overview but can drive up the price.
🇸🇪DriftkostnadOperating costs (running costs, utility costs): Economy and Incomerecurring-cost; Ongoing costs of living - electricity, water, heating, waste. Included in the bank's assessment of your finances.

P

🇸🇪PassivhusPassive house (zero-energy building, ultra-low energy house): Green Loansnew-constructionhouse; Extremely energy-efficient house that often qualifies for the best green loans.
🇸🇪Lösa lånPay off loan (redeem loan, discharge mortgage): Discounts and Negotiationone-time-cost; Paying off the entire loan, either because you're selling the property or switching banks. Check if there's a prepayment penalty.
🇸🇪BetalningsanmärkningPayment default (credit default, adverse credit, black mark): Basic Loan Termsapplication; A notation that you haven't paid a debt on time. Makes it very difficult to get a mortgage for several years.
🇸🇪LåneskyddsförsäkringPayment protection insurance (PPI, loan protection, mortgage insurance): Insurancerecurring-cost; Insurance that pays the loan if you get sick or unemployed. Consider if you really need it.
🇸🇪Fast anställningPermanent employment (full-time employment, indefinite contract): Credit Assessmentapplication; Secure employment that banks prefer. Easier to get a loan than with temporary employment or self-employment.
🇸🇪TomtPlot (lot, land, building plot): Land and Plotsvacation-homehouse; The land the house stands on or where you want to build. Can be purchased separately if you want to build new.
🇸🇪StyrräntaPolicy rate (repo rate, central bank rate, key interest rate, key rate, base rate): MacroeconomicsInterest Ratesrecurring-cost; The rate set by the Riksbank (Swedish central bank) that affects all mortgage rates. When the policy rate rises, your mortgage does too.
🇸🇪ÄktenskapsförordPrenuptial agreement (prenup, marriage contract): Ownership and Sharing; Agreement between spouses about property. Can protect one party's property in case of divorce.
🇸🇪RänteskillnadsersättningPrepayment penalty (early repayment charge, break cost, redemption fee): Interest Ratesone-time-cost; A fee you may need to pay if you pay off a fixed-rate loan early. Compensates the bank for lost interest income.
🇸🇪PrisutvecklingPrice development (price trend, price movement): The Market; How property prices change over time. Important to follow to understand if it's a good time to buy.
🇸🇪KampanjräntaPromotional rate (introductory rate, teaser rate): Discounts and Negotiationnegotiationrecurring-cost; Extra low rate for a limited period to attract new customers. Check what the rate will be afterward.
🇸🇪FastighetstaxeringProperty assessment (property taxation, real estate assessment): Property Assessmentvacation-homerequirementshouse; The process where the Tax Agency values properties. Done every three or six years depending on property type.
🇸🇪BesiktningProperty inspection (survey, home inspection, building survey): Loan-to-Value and Valuationone-time-cost; A technical examination of the property before purchase. Can reveal hidden defects and affect the price or whether you want to buy.
🇸🇪FastighetsavgiftProperty tax (real estate tax, municipal property fee): Taxes and Feesrequirementsrecurring-costhouse; Annual fee for owning a house or housing cooperative apartment. Paid through taxes and affects your housing costs.
🇸🇪TypkodProperty type code (use code, classification code): Property Assessmentvacation-homehouse; Number code showing what the property is used for. Affects taxation and can be relevant when buying.
🇸🇪KöpeavtalPurchase agreement (sales contract, contract of sale): Buying and Sellingrequirements; The binding agreement between buyer and seller. After both have signed, the deal is essentially done.
🇸🇪KöpeskillingPurchase price (sale price, consideration): Buying and Sellingone-time-costnegotiation; The price you pay for the property. What you need to finance with down payment and mortgage.

R

🇸🇪RäntetrappaRate ladder (interest rate mix, split mortgage, rate staggering): Interest Ratesnegotiationrecurring-cost; Splitting the loan into parts with different fixed-rate periods. Spreads the risk so the entire loan isn't affected by rate changes at once.
🇸🇪RänteförfallRate maturity (rate expiry, rate renewal date): Interest Ratesnegotiation; The date when your fixed rate expires and you can lock in a new rate or switch to variable.
🇸🇪FastighetsmäklareReal estate agent (realtor, estate agent, broker): Real Estate Agents; The one who facilitates the property transaction. Should be impartial but is paid by the seller.
🇸🇪RelaxationRelease of lien (partial release, mortgage release): Collateralvacation-homehouse; When the bank releases the pledge on part of a property, for example when subdividing and selling a plot.
🇸🇪OmförhandlingRenegotiation (rate renegotiation, repricing): Discounts and Negotiationnegotiation; Negotiating a better rate on your existing loan, either at rate maturity or anytime on a variable rate.
🇸🇪HyresrättRental (tenancy, rented apartment): Housing Types; You rent the property and don't need a mortgage. No down payment but you don't build any equity.
🇸🇪SeniorlånReverse mortgage (equity release, lifetime mortgage): Loan Productsapplication; Loan for seniors where you get money out of the property without selling. The loan is repaid when the property is sold.
🇸🇪ROT-avdragROT deduction (renovation tax credit, home improvement deduction): Taxes and Fees; Tax reduction for labor costs in renovations. Can reduce the need to borrow for renovations.

S

🇸🇪Dolda budSealed bids (closed bidding, blind bidding): Buying and Sellingnegotiation; When you can't see what others have bid. Makes it harder to know what's reasonable to offer.
🇸🇪TopplånSecond mortgage (top-up loan, junior loan, mezzanine loan): Basic Loan Termsnegotiationrecurring-cost; An additional loan on top of the first mortgage if you need to borrow more than 90% of the property value (raised from 85% since April 2026). The interest rate is higher due to increased risk for the bank.
🇸🇪UtmätningSeizure (distraint, attachment): Risks and Issues; When the Enforcement Authority takes property to pay debts. Your home can be seized if you don't pay.
🇸🇪EgenföretagareSelf-employed (business owner, sole proprietor): Credit Assessmentapplication; If you run your own business, the bank often wants to see several years of accounts to assess your income.
🇸🇪InsatsShare capital (initial stake, membership stake): Housing Cooperativehousing-cooperative; The original sum paid for the housing right when it was formed. Shown in the apartment registry.
🇸🇪AndelstalShare ratio (ownership share, quota): Housing Cooperativehousing-cooperative; Your share of the association, affects how much you pay in fees and your voting power.
🇸🇪TomträttSite leasehold (ground lease, land lease): Property Typesrecurring-costhouse; You own the house but rent the land from the municipality and pay ground rent. Affects your housing costs.
🇸🇪Mixat bolånSplit mortgage (mixed mortgage, hybrid mortgage): Loan Productsnegotiationnegotiablerecurring-cost; Having part of the loan variable and part fixed. Spreads the risk and balances security with flexibility.
🇸🇪StämpelskattStamp duty (transfer tax, deed tax): Loan-to-Value and ValuationTaxes and Feesone-time-costvacation-homerequirementshouse; The tax you pay for title registration (1.5% of purchase price) and new mortgage deeds (2% of the amount).
🇸🇪AviavgiftStatement fee (invoice fee, paper statement fee): Interest Ratesnegotiablerecurring-cost; Fee for each invoice or statement the bank sends. Choose e-invoicing to avoid this cost.
🇸🇪STIBORSTIBOR (Stockholm Interbank Offered Rate, interbank rate): Interest Ratesrecurring-cost; Stockholm Interbank Offered Rate - the rate banks lend to each other. Banks add their margin on top of STIBOR to set your rate.
🇸🇪Rak amorteringStraight-line amortization (linear amortization, equal principal payments): Amortizationrecurring-cost; A loan type where you amortize the same amount each month. Monthly cost decreases over time as the interest portion shrinks.
🇸🇪AvstyckningSubdivision (lot split, parcel division): Land and Plotsone-time-costvacation-homehouse; Dividing a property into several parts, for example selling a piece of the plot. Requires approval from Lantmäteriet.

T

🇸🇪UppskovTax deferral (rollover relief, postponement): Taxes and Feesapplication; Option to defer the tax on profit when you sell and buy a new property. The gain is taxed later.
🇸🇪RiksbankenThe Riksbank (Swedish Central Bank): Authorities; Sweden's central bank that sets the policy rate. Their decisions directly affect your mortgage rate.
🇸🇪LagfartsbevisTitle certificate (deed of title, ownership certificate): Real Estate Lawvacation-homerequirementshouse; Proof that you are registered owner of the property. Important document after purchase.
🇸🇪LagfartTitle registration (title deed, deed of ownership): Loan-to-Value and Valuationapplicationone-time-costvacation-homerequirementshouse; Registration of you as the owner with Lantmäteriet (Land Registry). Mandatory when buying property.
🇸🇪RadhusTownhouse (row house, terraced house): Property Typeshousing-cooperativehouse; Houses connected to neighbors. Can be freehold or housing cooperative - which affects how you borrow.

U

🇸🇪BlancolånUnsecured loan (personal loan, consumer loan, signature loan): Basic Loan Termsrecurring-cost; A loan without collateral, sometimes used for the down payment or renovations. The interest rate is significantly higher than on mortgages.

V

🇸🇪Obebyggd tomtVacant lot (undeveloped land, empty plot): Land and Plotsapplicationvacation-homehouse; A plot without a house. Banks are often more cautious with loans for land purchases - you may need a larger down payment.
🇸🇪FritidshusVacation home (holiday home, summer house, second home): Property Typesvacation-home; Property that isn't your primary residence. Some banks have special terms and require a larger down payment.
🇸🇪VärdenedgångValue decline (depreciation, negative equity): Risks and Issues; When the property's value falls. Can mean you need to amortize extra or contribute money when selling.
🇸🇪Rörlig räntaVariable rate (floating rate, adjustable rate, 3-month rate): Interest Ratesnegotiationnegotiablerecurring-cost; An interest rate that changes every three months based on market conditions. Usually lower than fixed rate but more uncertain.
🇸🇪Bolån med rörlig räntaVariable rate mortgage (adjustable rate mortgage, ARM, floating rate mortgage): Loan Productsnegotiationnegotiablerecurring-cost; Loan where the rate changes with the market. Flexible and often cheapest, but uncertain.
🇸🇪VolymrabattVolume discount (large loan discount): Discounts and Negotiationnegotiationnegotiable; Better rate if you have a larger loan. Banks like customers with big loans because they earn more in total.

Z

🇸🇪DetaljplanZoning plan (local plan, detailed development plan): Land and Plotsvacation-homerequirementsnew-constructionhouse; The municipality's plan for what can be built where. Determines if you can extend or build new on your plot.

A

🇸🇪BetalningsförmågaAbility to pay (repayment capacity, debt service ability): Credit Assessmentapplicationrequirements; The bank's assessment of whether you can handle paying the loan. Based on income, expenses, and financial stability.
🇸🇪MäklararvodeAgent commission (realtor fee, brokerage fee): Real Estate Agentsone-time-costnegotiationnegotiable; What the agent costs, usually a percentage of the price or a fixed amount. Paid by the seller.
🇸🇪AmorteringAmortization (principal repayment, loan repayment): Amortizationrequirementsrecurring-cost; The part of your monthly payment that reduces the actual debt. Unlike interest which is a cost, amortization is a form of saving.
🇸🇪AmorteringsundantagAmortization exemption (repayment holiday, payment deferral): Amortizationapplicationrequirements; Temporary exemption from amortization requirements under special circumstances like income loss.
🇸🇪AmorteringskravAmortization requirement (mandatory amortization, repayment requirement, mandatory repayment, compulsory amortization): AmortizationRegulationrequirementsrecurring-cost; Rules stating how much you must amortize based on loan-to-value (debt ratio requirement removed in April 2026). Set by the Financial Supervisory Authority.
🇸🇪AmorteringsplanAmortization schedule (repayment plan, payoff schedule): Amortizationrecurring-cost; A plan for how quickly you pay off the loan. Shows how the debt decreases over time.
🇸🇪BiareaAncillary area (secondary area, supplementary space): Areasvacation-homehouse; Area not counted as living space, like basement and garage. Valued lower per square meter.
🇸🇪AnnuitetAnnuity loan (fixed payment loan): Amortizationrecurring-cost; A loan type where the monthly payment is constant but the split between interest and amortization changes over time. In the beginning, it's mostly interest.
🇸🇪UppläggningsavgiftArrangement fee (setup fee, origination fee, loan setup fee): Interest Ratesone-time-costnegotiationnegotiable; A one-time fee when you take out a new loan. Can sometimes be negotiated away, especially when switching banks.
🇸🇪UtgångsprisAsking price (listing price, starting price): Buying and Sellingnegotiation; The price the seller asks for initially. The final price can be both higher and lower depending on interest.
🇸🇪TaxeringsvärdeAssessed value (tax assessment value, rateable value, tax value): Loan-to-Value and ValuationProperty Assessmentvacation-homehouse; The Tax Agency's valuation of the property. Used for property tax and can differ from market value.
🇸🇪Föreningens belåningAssociation debt (co-op debt, association loans): Housing Cooperativeapplicationhousing-cooperative; How much the association has borrowed. High debt increases the risk of fee increases and can make it harder to sell.
🇸🇪Automatisk värderingAutomated valuation (AVM, automated valuation model): Valuation; Computer-based valuation using statistics. Fast and cheap but less accurate.
🇸🇪SnitträntaAverage rate (mean rate, typical rate): Interest Ratesnegotiationrecurring-cost; The average of what the bank's customers actually pay. Good to compare with to see if you got a reasonable offer.

B

🇸🇪BankgarantiBank guarantee (letter of guarantee): Transfer; The bank guarantees the deposit instead of you paying cash. Convenient if your money is tied up.
🇸🇪BankbyteBank switch (mortgage transfer, refinancing): Discounts and Negotiationnegotiation; Moving your mortgage to another bank to get a better rate. Often the most effective way to lower your rate.
🇸🇪BankvärderingBank valuation (lender valuation, mortgage valuation): Loan-to-Value and Valuationapplication; The bank's own assessment of the property's value. Determines how much they're willing to lend.
🇸🇪BankIDBankID (electronic ID, digital identification): Digital Toolsapplicationrequirements; Digital identification for signing loan agreements and other documents. Required to manage loans online.
🇸🇪BudgivningBidding (auction, bid process): Buying and Sellingnegotiation; The process where interested buyers bid against each other. Don't start bidding without loan approval and inspection.
🇸🇪KöpebrevBill of sale (deed of conveyance, transfer deed): Buying and Sellingvacation-homerequirementshouse; The document proving ownership has transferred to you. Written when the full purchase price is paid.
🇸🇪LåntagareBorrower (mortgagor, debtor): Basic Loan Termsapplication; You who take the mortgage and are obligated to repay it. If two of you buy together, both are borrowers.
🇸🇪BrygglånBridge loan (bridging loan, swing loan): Buying and Sellingapplicationrecurring-cost; A temporary loan when you buy a new property before selling the old one. Repaid when your old property sells.
🇸🇪BesiktningsmanBuilding inspector (surveyor, home inspector): Loan-to-Value and Valuationone-time-cost; Expert who examines the property's condition. Choose one who is certified and has liability insurance.
🇸🇪BygglovBuilding permit (planning permission): Land and Plotsapplicationone-time-costvacation-homerequirementsnew-constructionhouse; Permission from the municipality to build. Without a permit, you cannot build new or make major changes.

C

🇸🇪KapitaltillskottCapital contribution (special assessment, capital call): Housing Cooperativehousing-cooperativeone-time-cost; When members must contribute extra money, often for major renovations. Can be an unwelcome expense.
🇸🇪KapitalvinstskattCapital gains tax (CGT, profit tax): Taxes and Feesone-time-costrequirements; 22% tax on the profit when you sell your property. Can be deferred with rollover relief if you buy a new one.
🇸🇪Auktoriserad fastighetsvärderareCertified property appraiser (licensed valuer, chartered surveyor): Valuationone-time-cost; Certified expert in valuing properties. May be needed in disputes or special situations.
🇸🇪TillträdeClosing (completion, settlement, possession date): Buying and Selling; The day you get the keys and the property becomes yours. The rest of the purchase price is paid and the loan starts.
🇸🇪MedlåntagareCo-borrower (joint borrower, co-applicant): Basic Loan Termsapplication; A person who takes the loan together with you, for example a partner. You are both responsible for the entire loan.
🇸🇪BostadsrättsförsäkringCo-op insurance (housing cooperative insurance): Insurancehousing-cooperativerecurring-cost; Addition to home insurance covering what the apartment owner is responsible for, like interior surfaces.
🇸🇪SamäganderättsavtalCo-ownership agreement (joint ownership agreement): Ownership and Sharing; Agreement between co-owners about how joint ownership should work. Regulates what happens if someone wants to sell.
🇸🇪SamboavtalCohabitation agreement (domestic partnership agreement): Ownership and Sharing; Agreement between cohabiting partners about who owns what. Without agreement, cohabitation property is split equally at separation.
🇸🇪PantCollateral (security, pledge): Collateralrequirements; The property as guarantee for the loan. If you don't pay, the bank can ultimately sell the property.
🇸🇪OrtsprismetodenComparable sales method (market comparison approach, sales comparison): Valuation; Valuing a property by comparing with what similar properties have sold for. The most common method.
🇸🇪JämförelsetjänstComparison service (rate comparison site, comparison website): Digital Toolsnegotiation; Websites that compare rates between banks. Gives overview but doesn't always show personalized offers.
🇸🇪TillträdesdatumCompletion date (closing date, settlement date): Transfer; The day you get the keys and the property officially becomes yours. That's when your mortgage also starts.
🇸🇪FärdigställandeskyddCompletion guarantee (builder's warranty, construction insurance): New Constructionrequirementsnew-constructionhouse; Insurance that protects you if the construction company goes bankrupt. Mandatory for new construction.
🇸🇪ÄgarlägenhetCondominium (condo, freehold apartment, freehold flat): Housing TypesProperty Typeshouse; An apartment you actually own, like a house but in an apartment building. Uncommon in Sweden but exists.
🇸🇪BygglånConstruction loan (building loan, self-build mortgage): New Constructionapplicationrecurring-costnew-constructionhouse; A loan during construction that is paid out in stages. Converted to a regular mortgage when the house is finished.
🇸🇪KonsumentkreditlagenConsumer Credit Act (consumer lending law): Regulationrequirements; The law that protects you when borrowing money. Gives you right to clear information and certain cancellation rights.
🇸🇪FörbehållContingency (condition, subject to clause): Real Estate Law; Conditions in the purchase agreement that must be met for the deal to go through. For example, inspection or financing.
🇸🇪Öppet köpCooling-off period (right of rescission, return policy): Real Estate Lawnegotiation; Right to cancel the purchase within a period. Unusual in property purchases but can be negotiated.
🇸🇪KreditprövningCredit assessment (credit evaluation, loan assessment, underwriting): Basic Loan Termsapplicationrequirements; The bank's review of your finances to determine if you can get a loan and how much. They check income, expenses, other loans, and payment history.
🇸🇪KreditupplysningCredit report (credit check, credit history, credit file): Basic Loan Termsapplicationrequirements; Information about your financial history that the bank retrieves from credit agencies. Shows previous loans, defaults, and debts.
🇸🇪KreditscoringCredit scoring (credit score, credit rating): Credit Assessmentapplication; A scoring of your creditworthiness based on your financial history. Higher score gives better loan terms.
🇸🇪KreditvärdighetCreditworthiness (credit score, credit rating): Basic Loan Termsapplication; A measure of how reliable you are as a borrower based on your financial history. High creditworthiness gives better interest rates.

D

🇸🇪OmlåningDebt consolidation (loan consolidation, refinancing): Loan Productsapplication; Combining multiple loans into one, often to get a better rate or organize finances.
🇸🇪SkuldsättningsgradDebt ratio (debt-to-income ratio, leverage ratio, gearing): Basic Loan Termsapplicationrequirements; How much you owe in relation to your income or the property value. Banks look closely at this when assessing if you can get a loan.
🇸🇪SkuldsaneringDebt restructuring (debt relief, insolvency arrangement): Risks and Issues; A last resort for those who can't pay their debts. Means living on subsistence level for several years.
🇸🇪SkuldkvottakDebt-to-income cap (DTI limit, income multiple cap): Regulationrequirements; Discussed rule on maximum debt relative to income. Would limit how much you can borrow.
🇸🇪SkuldkvotDebt-to-income ratio (DTI, income multiple): Financial Metricsapplicationrequirements; Total debt divided by annual income. The extra amortization requirement for debt over 4.5 times income was removed in April 2026.
🇸🇪UppskovsräntaDeferral interest (deferred tax interest): Taxes and Feesrequirementsrecurring-cost; An annual tax on your deferred amount. Having a deferral costs money, but often cheaper than paying the tax immediately.
🇸🇪HandpenningsavtalDeposit agreement (earnest money contract): one-time-costTransfer; Agreement that earnest money is paid as security for the purchase. The deposit is forfeited if you back out without valid reason.
🇸🇪VillaDetached house (single-family home, house): Property Typeshouse; Your own house on your own land. You own both the house and the plot and are responsible for all maintenance yourself.
🇸🇪Disponibel inkomstDisposable income (discretionary income): Economy and Incomeapplication; What you have left after fixed expenses. Shows your real ability to pay.
🇸🇪BodelningDivision of property (property settlement, asset division): Ownership and Sharing; Division of assets at separation or death. The property is often the largest asset to divide.
🇸🇪KontantinsatsDown payment (deposit, equity, cash deposit): Loan-to-Value and Valuationone-time-costrequirements; At least 10% of the purchase price (lowered from 15% since April 2026) that you must pay with your own money. Cannot be borrowed as a mortgage.
🇸🇪DubbelboendeDual housing (double ownership, parallel ownership): Buying and Sellingrecurring-cost; The period when you own two properties simultaneously. Expensive because you have double housing costs.
🇸🇪UpplysningspliktDuty to disclose (seller's disclosure duty): Legal Termsrequirements; The seller's obligation to tell about known defects. Doesn't cover everything - that's why inspection is important.
🇸🇪UndersökningspliktDuty to investigate (buyer's investigation duty, caveat emptor): Legal Termsrequirements; Your responsibility to thoroughly examine the property before buying. You can't complain about defects you should have found.

E

🇸🇪HandpenningEarnest money (deposit, good faith deposit): Buying and Sellingone-time-cost; Part of the purchase price paid immediately at contract signing, usually 10%. Shows you're serious.
🇸🇪ServitutEasement (right of way, servitude): Land and Plotsvacation-homehouse; A right to use someone else's land, for example for a road or utilities. Registered and follows the property.
🇸🇪Effektiv räntaEffective interest rate (APR, annual percentage rate, true cost of credit): Interest Ratesrequirementsrecurring-cost; The total cost of the loan including fees, expressed as a rate. Good for comparing offers between banks.
🇸🇪GravationsbevisEncumbrance certificate (title search, liens certificate): Real Estate Lawvacation-homerequirementshouse; Shows what mortgages and encumbrances exist on the property. Important to check before purchase.
🇸🇪EnergideklarationEnergy performance certificate (EPC, energy rating): Green Loansrequirements; A grade of the property's energy consumption from A to G. Affects whether you can get a green mortgage.
🇸🇪KronofogdenEnforcement Authority (Swedish Enforcement Agency, bailiff): Authorities; The authority that collects unpaid debts. In the worst case, they can force the sale of the property.
🇸🇪FastighetsmäklarinspektionenEstate Agents Inspectorate (FMI, real estate regulator): Real Estate Agentsrequirements; The authority that supervises real estate agents. Where you can report if an agent has done wrong.

F

🇸🇪AvgiftshöjningFee increase (rate hike, service charge increase): Housing Cooperativehousing-cooperativerecurring-cost; When the association raises the monthly fee. Check the association's finances to assess the risk of increases.
🇸🇪SlutprisFinal price (sale price, selling price): Buying and Selling; The price the property actually sells for. Good to check final prices in the area to assess a reasonable level.
🇸🇪Ekonomisk planFinancial plan (economic plan, business plan): Housing Cooperativehousing-cooperativerequirements; The association's financial forecast. Important document to review before buying a housing cooperative apartment.
🇸🇪FinansinspektionenFinancial Supervisory Authority (FI, FSA): Authoritiesrequirements; The authority that sets the rules for mortgages, such as amortization requirements and loan-to-value caps.
🇸🇪BottenlånFirst mortgage (primary mortgage, senior loan): Basic Loan Termsnegotiationrecurring-cost; The part of the mortgage with the lowest risk for the bank, typically up to 90% of the property value (raised from 85% since April 2026). This is where you get the best interest rate.
🇸🇪Bunden räntaFixed rate (locked rate, fixed interest): Interest Ratesnegotiationnegotiablerecurring-cost; An interest rate that is locked for a certain period, such as 3 or 5 years. Provides security but can become more expensive if market rates fall.
🇸🇪Bolån med bunden räntaFixed rate mortgage (fixed-rate loan): Loan Productsnegotiationnegotiablerecurring-cost; Loan where the rate is locked for a period. Security but can become more expensive if market rates fall.
🇸🇪RäntebindningstidFixed rate period (rate lock period, interest rate term): Interest Ratesnegotiationrecurring-cost; How long your fixed rate applies, such as 1, 3, 5, or 10 years. When the period ends, you negotiate a new rate.
🇸🇪TvångsförsäljningForced sale (foreclosure, repossession): Risks and Issues; When the property is sold against your will to pay debts. The final step when payments have been missing for a long time.
🇸🇪ÄganderättFreehold (ownership, fee simple): Housing Typesvacation-homehouse; You own the property and land yourself. Most common for houses and gives the most control.
🇸🇪HelkundsrabattFull customer discount (relationship discount, package discount): Discounts and Negotiationnegotiationnegotiable; Better rate if you consolidate all your banking with the same bank - salary, savings, insurance, and more.

G

🇸🇪God fastighetsmäklarsedGood estate agency practice (professional conduct standards): Real Estate Agentsrequirements; The rules for how agents should behave. They should be impartial and give correct information to both parties.
🇸🇪Grönt bolånGreen mortgage (green loan, eco mortgage): Green Loansapplicationnegotiationnegotiablerecurring-cost; Mortgage with a discount for energy-efficient properties. Often requires energy class A or B.
🇸🇪BruttoinkomstGross income (pre-tax income, gross salary): Economy and Incomeapplication; Your salary before tax. The bank often looks at this when assessing how much you can borrow.
🇸🇪TomträttsavgäldGround rent (site leasehold fee, land rent): Land and Plotsrecurring-costhouse; The annual fee you pay to the municipality if you have site leasehold. Counted into your housing costs by the bank.
🇸🇪BorgenGuarantee (surety, guarantor arrangement, co-signer): Basic Loan Termsapplication; When someone else, often a parent, vouches for your loan and promises to pay if you can't. Can help first-time buyers get a loan.

H

🇸🇪Dolda felHidden defects (latent defects, concealed defects): Legal Termsrequirements; Defects in the property that couldn't be discovered at purchase. The seller is liable for 10 years for houses.
🇸🇪HemförsäkringHome insurance (household insurance, contents insurance): Insurancerequirementsrecurring-cost; Insurance for your home and belongings. Usually required by the bank to get a mortgage.
🇸🇪VillaförsäkringHouse insurance (homeowners insurance, building insurance): Insurancevacation-homerequirementsrecurring-costhouse; Insurance for the house that includes home insurance. Mandatory in practice for homeowners.
🇸🇪BostadsprisindexHouse price index (property price index, HPI): The Market; Measure of how property prices develop. Shows if the market is going up or down.
🇸🇪BostadsbubblaHousing bubble (property bubble, real estate bubble): Risks and Issues; When property prices have risen unsustainably high and risk falling sharply. Can lead to owing more than the property is worth.
🇸🇪BoendekalkylHousing budget (affordability calculation, mortgage calculator): Economy and Incomeapplication; A calculation of your total housing costs - interest, amortization, fees, operation. Helps you know what you can afford.
🇸🇪BostadsrättsföreningHousing cooperative (housing association, co-op, BRF): Housing Cooperativehousing-cooperative; The association that owns the building where you have your apartment. The association's finances affect your housing costs and how much you can borrow.
🇸🇪BostadsrättHousing cooperative apartment (co-op apartment, tenant-owner apartment, co-op, tenant-ownership): Housing TypesProperty Typeshousing-cooperative; You buy the right to live in the apartment, not the apartment itself. The association owns the building and you pay a monthly fee.
🇸🇪BoendekostnadHousing cost (cost of living, occupancy cost): Economy and Incomerecurring-cost; All costs for your housing - loan, fees, electricity, heating, insurance, and more.
🇸🇪BoendekostnadsprocentHousing cost ratio (housing expense ratio, front-end ratio): Financial Metricsapplication; How much of income goes to housing. Banks don't like if it exceeds 30-35%.
🇸🇪BostadsmarknadHousing market (property market, real estate market): The Market; The market where properties are bought and sold. Prices are affected by interest rates, economy, and supply.
🇸🇪BosparandeHousing savings (home savings, deposit savings): Economy and Incomeapplication; Savings earmarked for property purchase. Shows the bank you're disciplined and can manage money.
🇸🇪HypotekHypothec (mortgage security): Collateralvacation-homerequirementshouse; Another word for pledge in real property. Mortgages are sometimes called hypothec loans.

I

🇸🇪InflationInflation (price increase, rising prices): Macroeconomics; When money becomes worth less and prices rise. The Riksbank raises rates to combat inflation.
🇸🇪RäntekostnadInterest cost (interest expense, interest payment): Interest Ratesrecurring-cost; What you actually pay in interest each month or year. Together with amortization, it becomes your monthly loan cost.
🇸🇪RänteavdragInterest deduction (mortgage interest deduction, tax relief on interest, mortgage interest relief): Interest RatesTaxes and Feesrecurring-cost; You can deduct 30% of your interest costs on your taxes. Reduces the actual cost of your mortgage.
🇸🇪RäntepåslagInterest margin (bank margin, spread, markup): Interest Ratesnegotiationnegotiablerecurring-cost; What the bank adds on top of their own borrowing cost to lend you money. There's room for negotiation here.
🇸🇪RäntetakInterest rate cap (rate ceiling, cap): Interest Ratesrecurring-cost; A limit on how high the interest rate can go, sometimes offered as insurance. Protects against extreme rate increases.
🇸🇪RäntesänkningInterest rate cut (rate reduction, rate decrease): Macroeconomics; When the rate is lowered. Gives lower monthly payment on variable rate loans.
🇸🇪RänterabattInterest rate discount (rate discount, rate reduction): Discounts and Negotiationnegotiationnegotiable; Deduction from the list rate that you get through negotiation or meeting certain conditions. Most people get some form of discount.
🇸🇪RäntehöjningInterest rate hike (rate increase, rate rise): Macroeconomics; When the Riksbank or your bank raises the rate. Makes your mortgage more expensive.
🇸🇪RänteriskInterest rate risk (rate risk): Interest Ratesrecurring-cost; The risk that interest rates rise and your monthly costs increase. Important to calculate if you can handle higher rates.
🇸🇪AmorteringsfrittInterest-only (amortization-free, no amortization): Amortizationrequirementsrecurring-cost; Not having to amortize for a period. Was more common before; now special reasons like illness or unemployment are required.

J

🇸🇪Solidariskt ansvarJoint and several liability (joint liability, shared responsibility): Basic Loan Termsrequirements; When multiple people take a loan together, each one is responsible for the entire debt, not just their share. The bank can demand the full amount from anyone.
🇸🇪SamägandeJoint ownership (co-ownership, shared ownership): Ownership and Sharing; Owning property together with someone, often 50/50. Important to have clear agreements about what applies.

L

🇸🇪ArrendeLand lease (ground rent, leasehold): Land and Plotsvacation-homerecurring-costhouse; Renting land to have your house on instead of owning it. The lease fee becomes an ongoing cost.
🇸🇪FastighetsregistretLand Registry (property register, cadastre): Real Estate Lawvacation-homerequirementshouse; Lantmäteriet's register of all properties and who owns them. Public information.
🇸🇪LantmäterietLantmäteriet (Swedish Land Registry, Swedish mapping authority): Authoritiesapplicationvacation-homerequirementshouse; The authority that handles title registrations, mortgage deeds, and the property register. You have contact with them when buying a house.
🇸🇪KALPLeft to live on (residual income, living expenses margin): Economy and Incomeapplicationrequirements; The bank's calculation of what you have left each month after housing costs and other fixed expenses. Must exceed a minimum level.
🇸🇪LångivareLender (creditor, mortgagee, credit provider): Basic Loan Termsnegotiation; The bank or mortgage institution that gives you the loan. They are who you negotiate the interest rate with.
🇸🇪PanträttLien (security interest, charge): Collateralvacation-homerequirementshouse; The bank's right to claim the property if you don't pay the loan. This is why mortgage rates are low - the bank has security.
🇸🇪ListräntaList rate (posted rate, standard rate, rack rate): Interest Ratesnegotiationnegotiablerecurring-cost; The bank's official rate before negotiation. Almost everyone gets a discount on the list rate, so see it as a starting price.
🇸🇪BoareaLiving area (habitable area, floor area): Areas; The area you actually live in. What counts when price per square meter is quoted.
🇸🇪LåneavtalLoan agreement (mortgage contract, loan contract, promissory note): Basic Loan Termsapplication; The legal agreement between you and the bank that governs the loan, interest rate, amortization, and all terms.
🇸🇪LånebeloppLoan amount (principal, loan principal): Basic Loan Termsapplication; The sum you borrow from the bank to buy the property. Together with your down payment, it becomes the purchase price.
🇸🇪LåneansökanLoan application (mortgage application): Basic Loan Termsapplication; The formal application you submit to the bank to get a mortgage. Contains information about your finances, income, and the property you want to buy.
🇸🇪LånelöfteLoan commitment (mortgage pre-approval, loan promise, approval in principle): Basic Loan Termsapplication; A preliminary decision from the bank on how much you can borrow. Important to have before you start looking for a home so you know your budget.
🇸🇪LöptidLoan term (tenure, repayment period): Amortizationnegotiation; How long it takes to pay off the loan completely. Longer term gives lower monthly payment but more total interest paid.
🇸🇪Belåningsgrad (LTV)Loan-to-value (LTV) (LTV ratio): Financial Metricsapplicationrequirements; The loan amount divided by the property value in percent. Below 50% gives lowest amortization requirement.
🇸🇪BelåningsgradLoan-to-value ratio (LTV, LTV ratio): Loan-to-Value and Valuationapplicationrequirements; How much of the property's value you're borrowing, expressed as a percentage. Maximum 90% with a mortgage (raised from 85% since April 2026); the rest must be down payment.

M

🇸🇪UnderhållsfondMaintenance reserve (repair fund, sinking fund): Housing Cooperativehousing-cooperative; Money the association saves for future renovations. A large fund reduces the risk of increased fees or special assessments.
🇸🇪StorbankMajor bank (big bank, full-service bank): Banks and Credit Institutionsnegotiation; The large banks like Swedbank, Handelsbanken, SEB, and Nordea. Often don't have the best rates but offer full service.
🇸🇪MarknadsvärdeMarket value (fair market value, market price): Loan-to-Value and Valuationapplication; What the property is worth on the market right now. Forms the basis for how much you can borrow.
🇸🇪MedlemsrabattMembership discount (union discount, affinity discount): Discounts and Negotiationnegotiationnegotiable; Discount through being a member of a union or organization that has an agreement with the bank.
🇸🇪MånadsavgiftMonthly fee (maintenance fee, service charge, HOA fee): Housing Cooperativehousing-cooperativerecurring-cost; What you pay to the association each month for operation and maintenance. Counted into your housing costs by the bank.
🇸🇪MånadskostnadMonthly payment (monthly cost, monthly installment): Amortizationrecurring-cost; What you pay the bank each month - interest plus amortization plus any fees. The foundation of your housing budget.
🇸🇪BolånMortgage (mortgage loan, home loan, housing loan): Basic Loan Termsapplication; A loan you take to buy a home, where the property itself serves as collateral. Usually the largest loan a private individual takes.
🇸🇪BolånerådgivareMortgage advisor (loan officer, mortgage consultant): Banks and Credit Institutionsapplicationnegotiation; The person at the bank you talk to about your mortgage. They're who you negotiate the rate with.
🇸🇪BolånekalkylatorMortgage calculator (loan calculator, affordability calculator): Digital Tools; Online tool to calculate monthly payments and how much you can borrow. Good for planning.
🇸🇪BolånetakMortgage cap (LTV cap, loan-to-value limit): Regulationrequirements; The rule that you can borrow maximum 90% of the property value (raised from 85% since April 2026) as a mortgage. The rest must be down payment.
🇸🇪PantbrevMortgage deed (mortgage certificate, title deed): Loan-to-Value and Valuationone-time-costvacation-homerequirementshouse; A certificate proving that the property can be used as loan collateral. Either already exists in the property or new ones must be issued.
🇸🇪PantbrevskostnadMortgage deed fee (mortgage registration fee): Loan-to-Value and Valuationone-time-costvacation-homerequirementshouse; 2% of the mortgage deed amount paid to the government when new deeds are issued. A one-time cost when buying.
🇸🇪BolåneräntaMortgage interest rate (mortgage rate, home loan rate): Interest Ratesnegotiationnegotiablerecurring-cost; The cost of borrowing money for the property, expressed as a percentage per year. The most important factor for your monthly payment.
🇸🇪InteckningMortgage lien (encumbrance, charge): Loan-to-Value and Valuationvacation-homerequirementshouse; A registration in the property showing it can be used as loan collateral. The mortgage deed is proof of the lien.
🇸🇪BolånemarknadMortgage market (home loan market): The Market; The market for mortgages. Competition here affects what rates you can get.

N

🇸🇪FörhandlingsrabattNegotiated discount (bargained rate): Discounts and Negotiationnegotiationnegotiable; Discount you get by actively negotiating with the bank. Call and compare with other banks' offers.
🇸🇪NettoinkomstNet income (take-home pay, after-tax income): Economy and Incomeapplication; What you get after tax. This is the money you actually have to pay the mortgage with.
🇸🇪NyproduktionNew construction (new build, newly built): Property Typesnew-construction; A brand new property no one has lived in. Often higher price but lower maintenance costs in the first years.
🇸🇪NischbankNiche bank (specialist lender, mortgage bank): Banks and Credit Institutionsnegotiation; Banks specializing in mortgages, like SBAB or Skandia. Often lower rates but fewer services.
🇸🇪Nominell räntaNominal interest rate (stated rate, headline rate): Interest Ratesrecurring-cost; The interest rate without fees included. This is usually what banks talk about, but effective rate shows the real cost.

O

🇸🇪Öppen budgivningOpen bidding (transparent bidding): Buying and Sellingnegotiation; When all bidders see each other's bids. Gives better overview but can drive up the price.
🇸🇪DriftkostnadOperating costs (running costs, utility costs): Economy and Incomerecurring-cost; Ongoing costs of living - electricity, water, heating, waste. Included in the bank's assessment of your finances.

P

🇸🇪PassivhusPassive house (zero-energy building, ultra-low energy house): Green Loansnew-constructionhouse; Extremely energy-efficient house that often qualifies for the best green loans.
🇸🇪Lösa lånPay off loan (redeem loan, discharge mortgage): Discounts and Negotiationone-time-cost; Paying off the entire loan, either because you're selling the property or switching banks. Check if there's a prepayment penalty.
🇸🇪BetalningsanmärkningPayment default (credit default, adverse credit, black mark): Basic Loan Termsapplication; A notation that you haven't paid a debt on time. Makes it very difficult to get a mortgage for several years.
🇸🇪LåneskyddsförsäkringPayment protection insurance (PPI, loan protection, mortgage insurance): Insurancerecurring-cost; Insurance that pays the loan if you get sick or unemployed. Consider if you really need it.
🇸🇪Fast anställningPermanent employment (full-time employment, indefinite contract): Credit Assessmentapplication; Secure employment that banks prefer. Easier to get a loan than with temporary employment or self-employment.
🇸🇪TomtPlot (lot, land, building plot): Land and Plotsvacation-homehouse; The land the house stands on or where you want to build. Can be purchased separately if you want to build new.
🇸🇪StyrräntaPolicy rate (repo rate, central bank rate, key interest rate, key rate, base rate): MacroeconomicsInterest Ratesrecurring-cost; The rate set by the Riksbank (Swedish central bank) that affects all mortgage rates. When the policy rate rises, your mortgage does too.
🇸🇪ÄktenskapsförordPrenuptial agreement (prenup, marriage contract): Ownership and Sharing; Agreement between spouses about property. Can protect one party's property in case of divorce.
🇸🇪RänteskillnadsersättningPrepayment penalty (early repayment charge, break cost, redemption fee): Interest Ratesone-time-cost; A fee you may need to pay if you pay off a fixed-rate loan early. Compensates the bank for lost interest income.
🇸🇪PrisutvecklingPrice development (price trend, price movement): The Market; How property prices change over time. Important to follow to understand if it's a good time to buy.
🇸🇪KampanjräntaPromotional rate (introductory rate, teaser rate): Discounts and Negotiationnegotiationrecurring-cost; Extra low rate for a limited period to attract new customers. Check what the rate will be afterward.
🇸🇪FastighetstaxeringProperty assessment (property taxation, real estate assessment): Property Assessmentvacation-homerequirementshouse; The process where the Tax Agency values properties. Done every three or six years depending on property type.
🇸🇪BesiktningProperty inspection (survey, home inspection, building survey): Loan-to-Value and Valuationone-time-cost; A technical examination of the property before purchase. Can reveal hidden defects and affect the price or whether you want to buy.
🇸🇪FastighetsavgiftProperty tax (real estate tax, municipal property fee): Taxes and Feesrequirementsrecurring-costhouse; Annual fee for owning a house or housing cooperative apartment. Paid through taxes and affects your housing costs.
🇸🇪TypkodProperty type code (use code, classification code): Property Assessmentvacation-homehouse; Number code showing what the property is used for. Affects taxation and can be relevant when buying.
🇸🇪KöpeavtalPurchase agreement (sales contract, contract of sale): Buying and Sellingrequirements; The binding agreement between buyer and seller. After both have signed, the deal is essentially done.
🇸🇪KöpeskillingPurchase price (sale price, consideration): Buying and Sellingone-time-costnegotiation; The price you pay for the property. What you need to finance with down payment and mortgage.

R

🇸🇪RäntetrappaRate ladder (interest rate mix, split mortgage, rate staggering): Interest Ratesnegotiationrecurring-cost; Splitting the loan into parts with different fixed-rate periods. Spreads the risk so the entire loan isn't affected by rate changes at once.
🇸🇪RänteförfallRate maturity (rate expiry, rate renewal date): Interest Ratesnegotiation; The date when your fixed rate expires and you can lock in a new rate or switch to variable.
🇸🇪FastighetsmäklareReal estate agent (realtor, estate agent, broker): Real Estate Agents; The one who facilitates the property transaction. Should be impartial but is paid by the seller.
🇸🇪RelaxationRelease of lien (partial release, mortgage release): Collateralvacation-homehouse; When the bank releases the pledge on part of a property, for example when subdividing and selling a plot.
🇸🇪OmförhandlingRenegotiation (rate renegotiation, repricing): Discounts and Negotiationnegotiation; Negotiating a better rate on your existing loan, either at rate maturity or anytime on a variable rate.
🇸🇪HyresrättRental (tenancy, rented apartment): Housing Types; You rent the property and don't need a mortgage. No down payment but you don't build any equity.
🇸🇪SeniorlånReverse mortgage (equity release, lifetime mortgage): Loan Productsapplication; Loan for seniors where you get money out of the property without selling. The loan is repaid when the property is sold.
🇸🇪ROT-avdragROT deduction (renovation tax credit, home improvement deduction): Taxes and Fees; Tax reduction for labor costs in renovations. Can reduce the need to borrow for renovations.

S

🇸🇪Dolda budSealed bids (closed bidding, blind bidding): Buying and Sellingnegotiation; When you can't see what others have bid. Makes it harder to know what's reasonable to offer.
🇸🇪TopplånSecond mortgage (top-up loan, junior loan, mezzanine loan): Basic Loan Termsnegotiationrecurring-cost; An additional loan on top of the first mortgage if you need to borrow more than 90% of the property value (raised from 85% since April 2026). The interest rate is higher due to increased risk for the bank.
🇸🇪UtmätningSeizure (distraint, attachment): Risks and Issues; When the Enforcement Authority takes property to pay debts. Your home can be seized if you don't pay.
🇸🇪EgenföretagareSelf-employed (business owner, sole proprietor): Credit Assessmentapplication; If you run your own business, the bank often wants to see several years of accounts to assess your income.
🇸🇪InsatsShare capital (initial stake, membership stake): Housing Cooperativehousing-cooperative; The original sum paid for the housing right when it was formed. Shown in the apartment registry.
🇸🇪AndelstalShare ratio (ownership share, quota): Housing Cooperativehousing-cooperative; Your share of the association, affects how much you pay in fees and your voting power.
🇸🇪TomträttSite leasehold (ground lease, land lease): Property Typesrecurring-costhouse; You own the house but rent the land from the municipality and pay ground rent. Affects your housing costs.
🇸🇪Mixat bolånSplit mortgage (mixed mortgage, hybrid mortgage): Loan Productsnegotiationnegotiablerecurring-cost; Having part of the loan variable and part fixed. Spreads the risk and balances security with flexibility.
🇸🇪StämpelskattStamp duty (transfer tax, deed tax): Loan-to-Value and ValuationTaxes and Feesone-time-costvacation-homerequirementshouse; The tax you pay for title registration (1.5% of purchase price) and new mortgage deeds (2% of the amount).
🇸🇪AviavgiftStatement fee (invoice fee, paper statement fee): Interest Ratesnegotiablerecurring-cost; Fee for each invoice or statement the bank sends. Choose e-invoicing to avoid this cost.
🇸🇪STIBORSTIBOR (Stockholm Interbank Offered Rate, interbank rate): Interest Ratesrecurring-cost; Stockholm Interbank Offered Rate - the rate banks lend to each other. Banks add their margin on top of STIBOR to set your rate.
🇸🇪Rak amorteringStraight-line amortization (linear amortization, equal principal payments): Amortizationrecurring-cost; A loan type where you amortize the same amount each month. Monthly cost decreases over time as the interest portion shrinks.
🇸🇪AvstyckningSubdivision (lot split, parcel division): Land and Plotsone-time-costvacation-homehouse; Dividing a property into several parts, for example selling a piece of the plot. Requires approval from Lantmäteriet.

T

🇸🇪UppskovTax deferral (rollover relief, postponement): Taxes and Feesapplication; Option to defer the tax on profit when you sell and buy a new property. The gain is taxed later.
🇸🇪RiksbankenThe Riksbank (Swedish Central Bank): Authorities; Sweden's central bank that sets the policy rate. Their decisions directly affect your mortgage rate.
🇸🇪LagfartsbevisTitle certificate (deed of title, ownership certificate): Real Estate Lawvacation-homerequirementshouse; Proof that you are registered owner of the property. Important document after purchase.
🇸🇪LagfartTitle registration (title deed, deed of ownership): Loan-to-Value and Valuationapplicationone-time-costvacation-homerequirementshouse; Registration of you as the owner with Lantmäteriet (Land Registry). Mandatory when buying property.
🇸🇪RadhusTownhouse (row house, terraced house): Property Typeshousing-cooperativehouse; Houses connected to neighbors. Can be freehold or housing cooperative - which affects how you borrow.

U

🇸🇪BlancolånUnsecured loan (personal loan, consumer loan, signature loan): Basic Loan Termsrecurring-cost; A loan without collateral, sometimes used for the down payment or renovations. The interest rate is significantly higher than on mortgages.

V

🇸🇪Obebyggd tomtVacant lot (undeveloped land, empty plot): Land and Plotsapplicationvacation-homehouse; A plot without a house. Banks are often more cautious with loans for land purchases - you may need a larger down payment.
🇸🇪FritidshusVacation home (holiday home, summer house, second home): Property Typesvacation-home; Property that isn't your primary residence. Some banks have special terms and require a larger down payment.
🇸🇪VärdenedgångValue decline (depreciation, negative equity): Risks and Issues; When the property's value falls. Can mean you need to amortize extra or contribute money when selling.
🇸🇪Rörlig räntaVariable rate (floating rate, adjustable rate, 3-month rate): Interest Ratesnegotiationnegotiablerecurring-cost; An interest rate that changes every three months based on market conditions. Usually lower than fixed rate but more uncertain.
🇸🇪Bolån med rörlig räntaVariable rate mortgage (adjustable rate mortgage, ARM, floating rate mortgage): Loan Productsnegotiationnegotiablerecurring-cost; Loan where the rate changes with the market. Flexible and often cheapest, but uncertain.
🇸🇪VolymrabattVolume discount (large loan discount): Discounts and Negotiationnegotiationnegotiable; Better rate if you have a larger loan. Banks like customers with big loans because they earn more in total.

Z

🇸🇪DetaljplanZoning plan (local plan, detailed development plan): Land and Plotsvacation-homerequirementsnew-constructionhouse; The municipality's plan for what can be built where. Determines if you can extend or build new on your plot.

A

🇸🇪BetalningsförmågaAbility to pay (repayment capacity, debt service ability): Credit Assessmentapplicationrequirements; The bank's assessment of whether you can handle paying the loan. Based on income, expenses, and financial stability.
🇸🇪MäklararvodeAgent commission (realtor fee, brokerage fee): Real Estate Agentsone-time-costnegotiationnegotiable; What the agent costs, usually a percentage of the price or a fixed amount. Paid by the seller.
🇸🇪AmorteringAmortization (principal repayment, loan repayment): Amortizationrequirementsrecurring-cost; The part of your monthly payment that reduces the actual debt. Unlike interest which is a cost, amortization is a form of saving.
🇸🇪AmorteringsundantagAmortization exemption (repayment holiday, payment deferral): Amortizationapplicationrequirements; Temporary exemption from amortization requirements under special circumstances like income loss.
🇸🇪AmorteringskravAmortization requirement (mandatory amortization, repayment requirement, mandatory repayment, compulsory amortization): AmortizationRegulationrequirementsrecurring-cost; Rules stating how much you must amortize based on loan-to-value (debt ratio requirement removed in April 2026). Set by the Financial Supervisory Authority.
🇸🇪AmorteringsplanAmortization schedule (repayment plan, payoff schedule): Amortizationrecurring-cost; A plan for how quickly you pay off the loan. Shows how the debt decreases over time.
🇸🇪BiareaAncillary area (secondary area, supplementary space): Areasvacation-homehouse; Area not counted as living space, like basement and garage. Valued lower per square meter.
🇸🇪AnnuitetAnnuity loan (fixed payment loan): Amortizationrecurring-cost; A loan type where the monthly payment is constant but the split between interest and amortization changes over time. In the beginning, it's mostly interest.
🇸🇪UppläggningsavgiftArrangement fee (setup fee, origination fee, loan setup fee): Interest Ratesone-time-costnegotiationnegotiable; A one-time fee when you take out a new loan. Can sometimes be negotiated away, especially when switching banks.
🇸🇪UtgångsprisAsking price (listing price, starting price): Buying and Sellingnegotiation; The price the seller asks for initially. The final price can be both higher and lower depending on interest.
🇸🇪TaxeringsvärdeAssessed value (tax assessment value, rateable value, tax value): Loan-to-Value and ValuationProperty Assessmentvacation-homehouse; The Tax Agency's valuation of the property. Used for property tax and can differ from market value.
🇸🇪Föreningens belåningAssociation debt (co-op debt, association loans): Housing Cooperativeapplicationhousing-cooperative; How much the association has borrowed. High debt increases the risk of fee increases and can make it harder to sell.
🇸🇪Automatisk värderingAutomated valuation (AVM, automated valuation model): Valuation; Computer-based valuation using statistics. Fast and cheap but less accurate.
🇸🇪SnitträntaAverage rate (mean rate, typical rate): Interest Ratesnegotiationrecurring-cost; The average of what the bank's customers actually pay. Good to compare with to see if you got a reasonable offer.

B

🇸🇪BankgarantiBank guarantee (letter of guarantee): Transfer; The bank guarantees the deposit instead of you paying cash. Convenient if your money is tied up.
🇸🇪BankbyteBank switch (mortgage transfer, refinancing): Discounts and Negotiationnegotiation; Moving your mortgage to another bank to get a better rate. Often the most effective way to lower your rate.
🇸🇪BankvärderingBank valuation (lender valuation, mortgage valuation): Loan-to-Value and Valuationapplication; The bank's own assessment of the property's value. Determines how much they're willing to lend.
🇸🇪BankIDBankID (electronic ID, digital identification): Digital Toolsapplicationrequirements; Digital identification for signing loan agreements and other documents. Required to manage loans online.
🇸🇪BudgivningBidding (auction, bid process): Buying and Sellingnegotiation; The process where interested buyers bid against each other. Don't start bidding without loan approval and inspection.
🇸🇪KöpebrevBill of sale (deed of conveyance, transfer deed): Buying and Sellingvacation-homerequirementshouse; The document proving ownership has transferred to you. Written when the full purchase price is paid.
🇸🇪LåntagareBorrower (mortgagor, debtor): Basic Loan Termsapplication; You who take the mortgage and are obligated to repay it. If two of you buy together, both are borrowers.
🇸🇪BrygglånBridge loan (bridging loan, swing loan): Buying and Sellingapplicationrecurring-cost; A temporary loan when you buy a new property before selling the old one. Repaid when your old property sells.
🇸🇪BesiktningsmanBuilding inspector (surveyor, home inspector): Loan-to-Value and Valuationone-time-cost; Expert who examines the property's condition. Choose one who is certified and has liability insurance.
🇸🇪BygglovBuilding permit (planning permission): Land and Plotsapplicationone-time-costvacation-homerequirementsnew-constructionhouse; Permission from the municipality to build. Without a permit, you cannot build new or make major changes.

C

🇸🇪KapitaltillskottCapital contribution (special assessment, capital call): Housing Cooperativehousing-cooperativeone-time-cost; When members must contribute extra money, often for major renovations. Can be an unwelcome expense.
🇸🇪KapitalvinstskattCapital gains tax (CGT, profit tax): Taxes and Feesone-time-costrequirements; 22% tax on the profit when you sell your property. Can be deferred with rollover relief if you buy a new one.
🇸🇪Auktoriserad fastighetsvärderareCertified property appraiser (licensed valuer, chartered surveyor): Valuationone-time-cost; Certified expert in valuing properties. May be needed in disputes or special situations.
🇸🇪TillträdeClosing (completion, settlement, possession date): Buying and Selling; The day you get the keys and the property becomes yours. The rest of the purchase price is paid and the loan starts.
🇸🇪MedlåntagareCo-borrower (joint borrower, co-applicant): Basic Loan Termsapplication; A person who takes the loan together with you, for example a partner. You are both responsible for the entire loan.
🇸🇪BostadsrättsförsäkringCo-op insurance (housing cooperative insurance): Insurancehousing-cooperativerecurring-cost; Addition to home insurance covering what the apartment owner is responsible for, like interior surfaces.
🇸🇪SamäganderättsavtalCo-ownership agreement (joint ownership agreement): Ownership and Sharing; Agreement between co-owners about how joint ownership should work. Regulates what happens if someone wants to sell.
🇸🇪SamboavtalCohabitation agreement (domestic partnership agreement): Ownership and Sharing; Agreement between cohabiting partners about who owns what. Without agreement, cohabitation property is split equally at separation.
🇸🇪PantCollateral (security, pledge): Collateralrequirements; The property as guarantee for the loan. If you don't pay, the bank can ultimately sell the property.
🇸🇪OrtsprismetodenComparable sales method (market comparison approach, sales comparison): Valuation; Valuing a property by comparing with what similar properties have sold for. The most common method.
🇸🇪JämförelsetjänstComparison service (rate comparison site, comparison website): Digital Toolsnegotiation; Websites that compare rates between banks. Gives overview but doesn't always show personalized offers.
🇸🇪TillträdesdatumCompletion date (closing date, settlement date): Transfer; The day you get the keys and the property officially becomes yours. That's when your mortgage also starts.
🇸🇪FärdigställandeskyddCompletion guarantee (builder's warranty, construction insurance): New Constructionrequirementsnew-constructionhouse; Insurance that protects you if the construction company goes bankrupt. Mandatory for new construction.
🇸🇪ÄgarlägenhetCondominium (condo, freehold apartment, freehold flat): Housing TypesProperty Typeshouse; An apartment you actually own, like a house but in an apartment building. Uncommon in Sweden but exists.
🇸🇪BygglånConstruction loan (building loan, self-build mortgage): New Constructionapplicationrecurring-costnew-constructionhouse; A loan during construction that is paid out in stages. Converted to a regular mortgage when the house is finished.
🇸🇪KonsumentkreditlagenConsumer Credit Act (consumer lending law): Regulationrequirements; The law that protects you when borrowing money. Gives you right to clear information and certain cancellation rights.
🇸🇪FörbehållContingency (condition, subject to clause): Real Estate Law; Conditions in the purchase agreement that must be met for the deal to go through. For example, inspection or financing.
🇸🇪Öppet köpCooling-off period (right of rescission, return policy): Real Estate Lawnegotiation; Right to cancel the purchase within a period. Unusual in property purchases but can be negotiated.
🇸🇪KreditprövningCredit assessment (credit evaluation, loan assessment, underwriting): Basic Loan Termsapplicationrequirements; The bank's review of your finances to determine if you can get a loan and how much. They check income, expenses, other loans, and payment history.
🇸🇪KreditupplysningCredit report (credit check, credit history, credit file): Basic Loan Termsapplicationrequirements; Information about your financial history that the bank retrieves from credit agencies. Shows previous loans, defaults, and debts.
🇸🇪KreditscoringCredit scoring (credit score, credit rating): Credit Assessmentapplication; A scoring of your creditworthiness based on your financial history. Higher score gives better loan terms.
🇸🇪KreditvärdighetCreditworthiness (credit score, credit rating): Basic Loan Termsapplication; A measure of how reliable you are as a borrower based on your financial history. High creditworthiness gives better interest rates.

D

🇸🇪OmlåningDebt consolidation (loan consolidation, refinancing): Loan Productsapplication; Combining multiple loans into one, often to get a better rate or organize finances.
🇸🇪SkuldsättningsgradDebt ratio (debt-to-income ratio, leverage ratio, gearing): Basic Loan Termsapplicationrequirements; How much you owe in relation to your income or the property value. Banks look closely at this when assessing if you can get a loan.
🇸🇪SkuldsaneringDebt restructuring (debt relief, insolvency arrangement): Risks and Issues; A last resort for those who can't pay their debts. Means living on subsistence level for several years.
🇸🇪SkuldkvottakDebt-to-income cap (DTI limit, income multiple cap): Regulationrequirements; Discussed rule on maximum debt relative to income. Would limit how much you can borrow.
🇸🇪SkuldkvotDebt-to-income ratio (DTI, income multiple): Financial Metricsapplicationrequirements; Total debt divided by annual income. The extra amortization requirement for debt over 4.5 times income was removed in April 2026.
🇸🇪UppskovsräntaDeferral interest (deferred tax interest): Taxes and Feesrequirementsrecurring-cost; An annual tax on your deferred amount. Having a deferral costs money, but often cheaper than paying the tax immediately.
🇸🇪HandpenningsavtalDeposit agreement (earnest money contract): one-time-costTransfer; Agreement that earnest money is paid as security for the purchase. The deposit is forfeited if you back out without valid reason.
🇸🇪VillaDetached house (single-family home, house): Property Typeshouse; Your own house on your own land. You own both the house and the plot and are responsible for all maintenance yourself.
🇸🇪Disponibel inkomstDisposable income (discretionary income): Economy and Incomeapplication; What you have left after fixed expenses. Shows your real ability to pay.
🇸🇪BodelningDivision of property (property settlement, asset division): Ownership and Sharing; Division of assets at separation or death. The property is often the largest asset to divide.
🇸🇪KontantinsatsDown payment (deposit, equity, cash deposit): Loan-to-Value and Valuationone-time-costrequirements; At least 10% of the purchase price (lowered from 15% since April 2026) that you must pay with your own money. Cannot be borrowed as a mortgage.
🇸🇪DubbelboendeDual housing (double ownership, parallel ownership): Buying and Sellingrecurring-cost; The period when you own two properties simultaneously. Expensive because you have double housing costs.
🇸🇪UpplysningspliktDuty to disclose (seller's disclosure duty): Legal Termsrequirements; The seller's obligation to tell about known defects. Doesn't cover everything - that's why inspection is important.
🇸🇪UndersökningspliktDuty to investigate (buyer's investigation duty, caveat emptor): Legal Termsrequirements; Your responsibility to thoroughly examine the property before buying. You can't complain about defects you should have found.

E

🇸🇪HandpenningEarnest money (deposit, good faith deposit): Buying and Sellingone-time-cost; Part of the purchase price paid immediately at contract signing, usually 10%. Shows you're serious.
🇸🇪ServitutEasement (right of way, servitude): Land and Plotsvacation-homehouse; A right to use someone else's land, for example for a road or utilities. Registered and follows the property.
🇸🇪Effektiv räntaEffective interest rate (APR, annual percentage rate, true cost of credit): Interest Ratesrequirementsrecurring-cost; The total cost of the loan including fees, expressed as a rate. Good for comparing offers between banks.
🇸🇪GravationsbevisEncumbrance certificate (title search, liens certificate): Real Estate Lawvacation-homerequirementshouse; Shows what mortgages and encumbrances exist on the property. Important to check before purchase.
🇸🇪EnergideklarationEnergy performance certificate (EPC, energy rating): Green Loansrequirements; A grade of the property's energy consumption from A to G. Affects whether you can get a green mortgage.
🇸🇪KronofogdenEnforcement Authority (Swedish Enforcement Agency, bailiff): Authorities; The authority that collects unpaid debts. In the worst case, they can force the sale of the property.
🇸🇪FastighetsmäklarinspektionenEstate Agents Inspectorate (FMI, real estate regulator): Real Estate Agentsrequirements; The authority that supervises real estate agents. Where you can report if an agent has done wrong.

F

🇸🇪AvgiftshöjningFee increase (rate hike, service charge increase): Housing Cooperativehousing-cooperativerecurring-cost; When the association raises the monthly fee. Check the association's finances to assess the risk of increases.
🇸🇪SlutprisFinal price (sale price, selling price): Buying and Selling; The price the property actually sells for. Good to check final prices in the area to assess a reasonable level.
🇸🇪Ekonomisk planFinancial plan (economic plan, business plan): Housing Cooperativehousing-cooperativerequirements; The association's financial forecast. Important document to review before buying a housing cooperative apartment.
🇸🇪FinansinspektionenFinancial Supervisory Authority (FI, FSA): Authoritiesrequirements; The authority that sets the rules for mortgages, such as amortization requirements and loan-to-value caps.
🇸🇪BottenlånFirst mortgage (primary mortgage, senior loan): Basic Loan Termsnegotiationrecurring-cost; The part of the mortgage with the lowest risk for the bank, typically up to 90% of the property value (raised from 85% since April 2026). This is where you get the best interest rate.
🇸🇪Bunden räntaFixed rate (locked rate, fixed interest): Interest Ratesnegotiationnegotiablerecurring-cost; An interest rate that is locked for a certain period, such as 3 or 5 years. Provides security but can become more expensive if market rates fall.
🇸🇪Bolån med bunden räntaFixed rate mortgage (fixed-rate loan): Loan Productsnegotiationnegotiablerecurring-cost; Loan where the rate is locked for a period. Security but can become more expensive if market rates fall.
🇸🇪RäntebindningstidFixed rate period (rate lock period, interest rate term): Interest Ratesnegotiationrecurring-cost; How long your fixed rate applies, such as 1, 3, 5, or 10 years. When the period ends, you negotiate a new rate.
🇸🇪TvångsförsäljningForced sale (foreclosure, repossession): Risks and Issues; When the property is sold against your will to pay debts. The final step when payments have been missing for a long time.
🇸🇪ÄganderättFreehold (ownership, fee simple): Housing Typesvacation-homehouse; You own the property and land yourself. Most common for houses and gives the most control.
🇸🇪HelkundsrabattFull customer discount (relationship discount, package discount): Discounts and Negotiationnegotiationnegotiable; Better rate if you consolidate all your banking with the same bank - salary, savings, insurance, and more.

G

🇸🇪God fastighetsmäklarsedGood estate agency practice (professional conduct standards): Real Estate Agentsrequirements; The rules for how agents should behave. They should be impartial and give correct information to both parties.
🇸🇪Grönt bolånGreen mortgage (green loan, eco mortgage): Green Loansapplicationnegotiationnegotiablerecurring-cost; Mortgage with a discount for energy-efficient properties. Often requires energy class A or B.
🇸🇪BruttoinkomstGross income (pre-tax income, gross salary): Economy and Incomeapplication; Your salary before tax. The bank often looks at this when assessing how much you can borrow.
🇸🇪TomträttsavgäldGround rent (site leasehold fee, land rent): Land and Plotsrecurring-costhouse; The annual fee you pay to the municipality if you have site leasehold. Counted into your housing costs by the bank.
🇸🇪BorgenGuarantee (surety, guarantor arrangement, co-signer): Basic Loan Termsapplication; When someone else, often a parent, vouches for your loan and promises to pay if you can't. Can help first-time buyers get a loan.

H

🇸🇪Dolda felHidden defects (latent defects, concealed defects): Legal Termsrequirements; Defects in the property that couldn't be discovered at purchase. The seller is liable for 10 years for houses.
🇸🇪HemförsäkringHome insurance (household insurance, contents insurance): Insurancerequirementsrecurring-cost; Insurance for your home and belongings. Usually required by the bank to get a mortgage.
🇸🇪VillaförsäkringHouse insurance (homeowners insurance, building insurance): Insurancevacation-homerequirementsrecurring-costhouse; Insurance for the house that includes home insurance. Mandatory in practice for homeowners.
🇸🇪BostadsprisindexHouse price index (property price index, HPI): The Market; Measure of how property prices develop. Shows if the market is going up or down.
🇸🇪BostadsbubblaHousing bubble (property bubble, real estate bubble): Risks and Issues; When property prices have risen unsustainably high and risk falling sharply. Can lead to owing more than the property is worth.
🇸🇪BoendekalkylHousing budget (affordability calculation, mortgage calculator): Economy and Incomeapplication; A calculation of your total housing costs - interest, amortization, fees, operation. Helps you know what you can afford.
🇸🇪BostadsrättsföreningHousing cooperative (housing association, co-op, BRF): Housing Cooperativehousing-cooperative; The association that owns the building where you have your apartment. The association's finances affect your housing costs and how much you can borrow.
🇸🇪BostadsrättHousing cooperative apartment (co-op apartment, tenant-owner apartment, co-op, tenant-ownership): Housing TypesProperty Typeshousing-cooperative; You buy the right to live in the apartment, not the apartment itself. The association owns the building and you pay a monthly fee.
🇸🇪BoendekostnadHousing cost (cost of living, occupancy cost): Economy and Incomerecurring-cost; All costs for your housing - loan, fees, electricity, heating, insurance, and more.
🇸🇪BoendekostnadsprocentHousing cost ratio (housing expense ratio, front-end ratio): Financial Metricsapplication; How much of income goes to housing. Banks don't like if it exceeds 30-35%.
🇸🇪BostadsmarknadHousing market (property market, real estate market): The Market; The market where properties are bought and sold. Prices are affected by interest rates, economy, and supply.
🇸🇪BosparandeHousing savings (home savings, deposit savings): Economy and Incomeapplication; Savings earmarked for property purchase. Shows the bank you're disciplined and can manage money.
🇸🇪HypotekHypothec (mortgage security): Collateralvacation-homerequirementshouse; Another word for pledge in real property. Mortgages are sometimes called hypothec loans.

I

🇸🇪InflationInflation (price increase, rising prices): Macroeconomics; When money becomes worth less and prices rise. The Riksbank raises rates to combat inflation.
🇸🇪RäntekostnadInterest cost (interest expense, interest payment): Interest Ratesrecurring-cost; What you actually pay in interest each month or year. Together with amortization, it becomes your monthly loan cost.
🇸🇪RänteavdragInterest deduction (mortgage interest deduction, tax relief on interest, mortgage interest relief): Interest RatesTaxes and Feesrecurring-cost; You can deduct 30% of your interest costs on your taxes. Reduces the actual cost of your mortgage.
🇸🇪RäntepåslagInterest margin (bank margin, spread, markup): Interest Ratesnegotiationnegotiablerecurring-cost; What the bank adds on top of their own borrowing cost to lend you money. There's room for negotiation here.
🇸🇪RäntetakInterest rate cap (rate ceiling, cap): Interest Ratesrecurring-cost; A limit on how high the interest rate can go, sometimes offered as insurance. Protects against extreme rate increases.
🇸🇪RäntesänkningInterest rate cut (rate reduction, rate decrease): Macroeconomics; When the rate is lowered. Gives lower monthly payment on variable rate loans.
🇸🇪RänterabattInterest rate discount (rate discount, rate reduction): Discounts and Negotiationnegotiationnegotiable; Deduction from the list rate that you get through negotiation or meeting certain conditions. Most people get some form of discount.
🇸🇪RäntehöjningInterest rate hike (rate increase, rate rise): Macroeconomics; When the Riksbank or your bank raises the rate. Makes your mortgage more expensive.
🇸🇪RänteriskInterest rate risk (rate risk): Interest Ratesrecurring-cost; The risk that interest rates rise and your monthly costs increase. Important to calculate if you can handle higher rates.
🇸🇪AmorteringsfrittInterest-only (amortization-free, no amortization): Amortizationrequirementsrecurring-cost; Not having to amortize for a period. Was more common before; now special reasons like illness or unemployment are required.

J

🇸🇪Solidariskt ansvarJoint and several liability (joint liability, shared responsibility): Basic Loan Termsrequirements; When multiple people take a loan together, each one is responsible for the entire debt, not just their share. The bank can demand the full amount from anyone.
🇸🇪SamägandeJoint ownership (co-ownership, shared ownership): Ownership and Sharing; Owning property together with someone, often 50/50. Important to have clear agreements about what applies.

L

🇸🇪ArrendeLand lease (ground rent, leasehold): Land and Plotsvacation-homerecurring-costhouse; Renting land to have your house on instead of owning it. The lease fee becomes an ongoing cost.
🇸🇪FastighetsregistretLand Registry (property register, cadastre): Real Estate Lawvacation-homerequirementshouse; Lantmäteriet's register of all properties and who owns them. Public information.
🇸🇪LantmäterietLantmäteriet (Swedish Land Registry, Swedish mapping authority): Authoritiesapplicationvacation-homerequirementshouse; The authority that handles title registrations, mortgage deeds, and the property register. You have contact with them when buying a house.
🇸🇪KALPLeft to live on (residual income, living expenses margin): Economy and Incomeapplicationrequirements; The bank's calculation of what you have left each month after housing costs and other fixed expenses. Must exceed a minimum level.
🇸🇪LångivareLender (creditor, mortgagee, credit provider): Basic Loan Termsnegotiation; The bank or mortgage institution that gives you the loan. They are who you negotiate the interest rate with.
🇸🇪PanträttLien (security interest, charge): Collateralvacation-homerequirementshouse; The bank's right to claim the property if you don't pay the loan. This is why mortgage rates are low - the bank has security.
🇸🇪ListräntaList rate (posted rate, standard rate, rack rate): Interest Ratesnegotiationnegotiablerecurring-cost; The bank's official rate before negotiation. Almost everyone gets a discount on the list rate, so see it as a starting price.
🇸🇪BoareaLiving area (habitable area, floor area): Areas; The area you actually live in. What counts when price per square meter is quoted.
🇸🇪LåneavtalLoan agreement (mortgage contract, loan contract, promissory note): Basic Loan Termsapplication; The legal agreement between you and the bank that governs the loan, interest rate, amortization, and all terms.
🇸🇪LånebeloppLoan amount (principal, loan principal): Basic Loan Termsapplication; The sum you borrow from the bank to buy the property. Together with your down payment, it becomes the purchase price.
🇸🇪LåneansökanLoan application (mortgage application): Basic Loan Termsapplication; The formal application you submit to the bank to get a mortgage. Contains information about your finances, income, and the property you want to buy.
🇸🇪LånelöfteLoan commitment (mortgage pre-approval, loan promise, approval in principle): Basic Loan Termsapplication; A preliminary decision from the bank on how much you can borrow. Important to have before you start looking for a home so you know your budget.
🇸🇪LöptidLoan term (tenure, repayment period): Amortizationnegotiation; How long it takes to pay off the loan completely. Longer term gives lower monthly payment but more total interest paid.
🇸🇪Belåningsgrad (LTV)Loan-to-value (LTV) (LTV ratio): Financial Metricsapplicationrequirements; The loan amount divided by the property value in percent. Below 50% gives lowest amortization requirement.
🇸🇪BelåningsgradLoan-to-value ratio (LTV, LTV ratio): Loan-to-Value and Valuationapplicationrequirements; How much of the property's value you're borrowing, expressed as a percentage. Maximum 90% with a mortgage (raised from 85% since April 2026); the rest must be down payment.

M

🇸🇪UnderhållsfondMaintenance reserve (repair fund, sinking fund): Housing Cooperativehousing-cooperative; Money the association saves for future renovations. A large fund reduces the risk of increased fees or special assessments.
🇸🇪StorbankMajor bank (big bank, full-service bank): Banks and Credit Institutionsnegotiation; The large banks like Swedbank, Handelsbanken, SEB, and Nordea. Often don't have the best rates but offer full service.
🇸🇪MarknadsvärdeMarket value (fair market value, market price): Loan-to-Value and Valuationapplication; What the property is worth on the market right now. Forms the basis for how much you can borrow.
🇸🇪MedlemsrabattMembership discount (union discount, affinity discount): Discounts and Negotiationnegotiationnegotiable; Discount through being a member of a union or organization that has an agreement with the bank.
🇸🇪MånadsavgiftMonthly fee (maintenance fee, service charge, HOA fee): Housing Cooperativehousing-cooperativerecurring-cost; What you pay to the association each month for operation and maintenance. Counted into your housing costs by the bank.
🇸🇪MånadskostnadMonthly payment (monthly cost, monthly installment): Amortizationrecurring-cost; What you pay the bank each month - interest plus amortization plus any fees. The foundation of your housing budget.
🇸🇪BolånMortgage (mortgage loan, home loan, housing loan): Basic Loan Termsapplication; A loan you take to buy a home, where the property itself serves as collateral. Usually the largest loan a private individual takes.
🇸🇪BolånerådgivareMortgage advisor (loan officer, mortgage consultant): Banks and Credit Institutionsapplicationnegotiation; The person at the bank you talk to about your mortgage. They're who you negotiate the rate with.
🇸🇪BolånekalkylatorMortgage calculator (loan calculator, affordability calculator): Digital Tools; Online tool to calculate monthly payments and how much you can borrow. Good for planning.
🇸🇪BolånetakMortgage cap (LTV cap, loan-to-value limit): Regulationrequirements; The rule that you can borrow maximum 90% of the property value (raised from 85% since April 2026) as a mortgage. The rest must be down payment.
🇸🇪PantbrevMortgage deed (mortgage certificate, title deed): Loan-to-Value and Valuationone-time-costvacation-homerequirementshouse; A certificate proving that the property can be used as loan collateral. Either already exists in the property or new ones must be issued.
🇸🇪PantbrevskostnadMortgage deed fee (mortgage registration fee): Loan-to-Value and Valuationone-time-costvacation-homerequirementshouse; 2% of the mortgage deed amount paid to the government when new deeds are issued. A one-time cost when buying.
🇸🇪BolåneräntaMortgage interest rate (mortgage rate, home loan rate): Interest Ratesnegotiationnegotiablerecurring-cost; The cost of borrowing money for the property, expressed as a percentage per year. The most important factor for your monthly payment.
🇸🇪InteckningMortgage lien (encumbrance, charge): Loan-to-Value and Valuationvacation-homerequirementshouse; A registration in the property showing it can be used as loan collateral. The mortgage deed is proof of the lien.
🇸🇪BolånemarknadMortgage market (home loan market): The Market; The market for mortgages. Competition here affects what rates you can get.

N

🇸🇪FörhandlingsrabattNegotiated discount (bargained rate): Discounts and Negotiationnegotiationnegotiable; Discount you get by actively negotiating with the bank. Call and compare with other banks' offers.
🇸🇪NettoinkomstNet income (take-home pay, after-tax income): Economy and Incomeapplication; What you get after tax. This is the money you actually have to pay the mortgage with.
🇸🇪NyproduktionNew construction (new build, newly built): Property Typesnew-construction; A brand new property no one has lived in. Often higher price but lower maintenance costs in the first years.
🇸🇪NischbankNiche bank (specialist lender, mortgage bank): Banks and Credit Institutionsnegotiation; Banks specializing in mortgages, like SBAB or Skandia. Often lower rates but fewer services.
🇸🇪Nominell räntaNominal interest rate (stated rate, headline rate): Interest Ratesrecurring-cost; The interest rate without fees included. This is usually what banks talk about, but effective rate shows the real cost.

O

🇸🇪Öppen budgivningOpen bidding (transparent bidding): Buying and Sellingnegotiation; When all bidders see each other's bids. Gives better overview but can drive up the price.
🇸🇪DriftkostnadOperating costs (running costs, utility costs): Economy and Incomerecurring-cost; Ongoing costs of living - electricity, water, heating, waste. Included in the bank's assessment of your finances.

P

🇸🇪PassivhusPassive house (zero-energy building, ultra-low energy house): Green Loansnew-constructionhouse; Extremely energy-efficient house that often qualifies for the best green loans.
🇸🇪Lösa lånPay off loan (redeem loan, discharge mortgage): Discounts and Negotiationone-time-cost; Paying off the entire loan, either because you're selling the property or switching banks. Check if there's a prepayment penalty.
🇸🇪BetalningsanmärkningPayment default (credit default, adverse credit, black mark): Basic Loan Termsapplication; A notation that you haven't paid a debt on time. Makes it very difficult to get a mortgage for several years.
🇸🇪LåneskyddsförsäkringPayment protection insurance (PPI, loan protection, mortgage insurance): Insurancerecurring-cost; Insurance that pays the loan if you get sick or unemployed. Consider if you really need it.
🇸🇪Fast anställningPermanent employment (full-time employment, indefinite contract): Credit Assessmentapplication; Secure employment that banks prefer. Easier to get a loan than with temporary employment or self-employment.
🇸🇪TomtPlot (lot, land, building plot): Land and Plotsvacation-homehouse; The land the house stands on or where you want to build. Can be purchased separately if you want to build new.
🇸🇪StyrräntaPolicy rate (repo rate, central bank rate, key interest rate, key rate, base rate): MacroeconomicsInterest Ratesrecurring-cost; The rate set by the Riksbank (Swedish central bank) that affects all mortgage rates. When the policy rate rises, your mortgage does too.
🇸🇪ÄktenskapsförordPrenuptial agreement (prenup, marriage contract): Ownership and Sharing; Agreement between spouses about property. Can protect one party's property in case of divorce.
🇸🇪RänteskillnadsersättningPrepayment penalty (early repayment charge, break cost, redemption fee): Interest Ratesone-time-cost; A fee you may need to pay if you pay off a fixed-rate loan early. Compensates the bank for lost interest income.
🇸🇪PrisutvecklingPrice development (price trend, price movement): The Market; How property prices change over time. Important to follow to understand if it's a good time to buy.
🇸🇪KampanjräntaPromotional rate (introductory rate, teaser rate): Discounts and Negotiationnegotiationrecurring-cost; Extra low rate for a limited period to attract new customers. Check what the rate will be afterward.
🇸🇪FastighetstaxeringProperty assessment (property taxation, real estate assessment): Property Assessmentvacation-homerequirementshouse; The process where the Tax Agency values properties. Done every three or six years depending on property type.
🇸🇪BesiktningProperty inspection (survey, home inspection, building survey): Loan-to-Value and Valuationone-time-cost; A technical examination of the property before purchase. Can reveal hidden defects and affect the price or whether you want to buy.
🇸🇪FastighetsavgiftProperty tax (real estate tax, municipal property fee): Taxes and Feesrequirementsrecurring-costhouse; Annual fee for owning a house or housing cooperative apartment. Paid through taxes and affects your housing costs.
🇸🇪TypkodProperty type code (use code, classification code): Property Assessmentvacation-homehouse; Number code showing what the property is used for. Affects taxation and can be relevant when buying.
🇸🇪KöpeavtalPurchase agreement (sales contract, contract of sale): Buying and Sellingrequirements; The binding agreement between buyer and seller. After both have signed, the deal is essentially done.
🇸🇪KöpeskillingPurchase price (sale price, consideration): Buying and Sellingone-time-costnegotiation; The price you pay for the property. What you need to finance with down payment and mortgage.

R

🇸🇪RäntetrappaRate ladder (interest rate mix, split mortgage, rate staggering): Interest Ratesnegotiationrecurring-cost; Splitting the loan into parts with different fixed-rate periods. Spreads the risk so the entire loan isn't affected by rate changes at once.
🇸🇪RänteförfallRate maturity (rate expiry, rate renewal date): Interest Ratesnegotiation; The date when your fixed rate expires and you can lock in a new rate or switch to variable.
🇸🇪FastighetsmäklareReal estate agent (realtor, estate agent, broker): Real Estate Agents; The one who facilitates the property transaction. Should be impartial but is paid by the seller.
🇸🇪RelaxationRelease of lien (partial release, mortgage release): Collateralvacation-homehouse; When the bank releases the pledge on part of a property, for example when subdividing and selling a plot.
🇸🇪OmförhandlingRenegotiation (rate renegotiation, repricing): Discounts and Negotiationnegotiation; Negotiating a better rate on your existing loan, either at rate maturity or anytime on a variable rate.
🇸🇪HyresrättRental (tenancy, rented apartment): Housing Types; You rent the property and don't need a mortgage. No down payment but you don't build any equity.
🇸🇪SeniorlånReverse mortgage (equity release, lifetime mortgage): Loan Productsapplication; Loan for seniors where you get money out of the property without selling. The loan is repaid when the property is sold.
🇸🇪ROT-avdragROT deduction (renovation tax credit, home improvement deduction): Taxes and Fees; Tax reduction for labor costs in renovations. Can reduce the need to borrow for renovations.

S

🇸🇪Dolda budSealed bids (closed bidding, blind bidding): Buying and Sellingnegotiation; When you can't see what others have bid. Makes it harder to know what's reasonable to offer.
🇸🇪TopplånSecond mortgage (top-up loan, junior loan, mezzanine loan): Basic Loan Termsnegotiationrecurring-cost; An additional loan on top of the first mortgage if you need to borrow more than 90% of the property value (raised from 85% since April 2026). The interest rate is higher due to increased risk for the bank.
🇸🇪UtmätningSeizure (distraint, attachment): Risks and Issues; When the Enforcement Authority takes property to pay debts. Your home can be seized if you don't pay.
🇸🇪EgenföretagareSelf-employed (business owner, sole proprietor): Credit Assessmentapplication; If you run your own business, the bank often wants to see several years of accounts to assess your income.
🇸🇪InsatsShare capital (initial stake, membership stake): Housing Cooperativehousing-cooperative; The original sum paid for the housing right when it was formed. Shown in the apartment registry.
🇸🇪AndelstalShare ratio (ownership share, quota): Housing Cooperativehousing-cooperative; Your share of the association, affects how much you pay in fees and your voting power.
🇸🇪TomträttSite leasehold (ground lease, land lease): Property Typesrecurring-costhouse; You own the house but rent the land from the municipality and pay ground rent. Affects your housing costs.
🇸🇪Mixat bolånSplit mortgage (mixed mortgage, hybrid mortgage): Loan Productsnegotiationnegotiablerecurring-cost; Having part of the loan variable and part fixed. Spreads the risk and balances security with flexibility.
🇸🇪StämpelskattStamp duty (transfer tax, deed tax): Loan-to-Value and ValuationTaxes and Feesone-time-costvacation-homerequirementshouse; The tax you pay for title registration (1.5% of purchase price) and new mortgage deeds (2% of the amount).
🇸🇪AviavgiftStatement fee (invoice fee, paper statement fee): Interest Ratesnegotiablerecurring-cost; Fee for each invoice or statement the bank sends. Choose e-invoicing to avoid this cost.
🇸🇪STIBORSTIBOR (Stockholm Interbank Offered Rate, interbank rate): Interest Ratesrecurring-cost; Stockholm Interbank Offered Rate - the rate banks lend to each other. Banks add their margin on top of STIBOR to set your rate.
🇸🇪Rak amorteringStraight-line amortization (linear amortization, equal principal payments): Amortizationrecurring-cost; A loan type where you amortize the same amount each month. Monthly cost decreases over time as the interest portion shrinks.
🇸🇪AvstyckningSubdivision (lot split, parcel division): Land and Plotsone-time-costvacation-homehouse; Dividing a property into several parts, for example selling a piece of the plot. Requires approval from Lantmäteriet.

T

🇸🇪UppskovTax deferral (rollover relief, postponement): Taxes and Feesapplication; Option to defer the tax on profit when you sell and buy a new property. The gain is taxed later.
🇸🇪RiksbankenThe Riksbank (Swedish Central Bank): Authorities; Sweden's central bank that sets the policy rate. Their decisions directly affect your mortgage rate.
🇸🇪LagfartsbevisTitle certificate (deed of title, ownership certificate): Real Estate Lawvacation-homerequirementshouse; Proof that you are registered owner of the property. Important document after purchase.
🇸🇪LagfartTitle registration (title deed, deed of ownership): Loan-to-Value and Valuationapplicationone-time-costvacation-homerequirementshouse; Registration of you as the owner with Lantmäteriet (Land Registry). Mandatory when buying property.
🇸🇪RadhusTownhouse (row house, terraced house): Property Typeshousing-cooperativehouse; Houses connected to neighbors. Can be freehold or housing cooperative - which affects how you borrow.

U

🇸🇪BlancolånUnsecured loan (personal loan, consumer loan, signature loan): Basic Loan Termsrecurring-cost; A loan without collateral, sometimes used for the down payment or renovations. The interest rate is significantly higher than on mortgages.

V

🇸🇪Obebyggd tomtVacant lot (undeveloped land, empty plot): Land and Plotsapplicationvacation-homehouse; A plot without a house. Banks are often more cautious with loans for land purchases - you may need a larger down payment.
🇸🇪FritidshusVacation home (holiday home, summer house, second home): Property Typesvacation-home; Property that isn't your primary residence. Some banks have special terms and require a larger down payment.
🇸🇪VärdenedgångValue decline (depreciation, negative equity): Risks and Issues; When the property's value falls. Can mean you need to amortize extra or contribute money when selling.
🇸🇪Rörlig räntaVariable rate (floating rate, adjustable rate, 3-month rate): Interest Ratesnegotiationnegotiablerecurring-cost; An interest rate that changes every three months based on market conditions. Usually lower than fixed rate but more uncertain.
🇸🇪Bolån med rörlig räntaVariable rate mortgage (adjustable rate mortgage, ARM, floating rate mortgage): Loan Productsnegotiationnegotiablerecurring-cost; Loan where the rate changes with the market. Flexible and often cheapest, but uncertain.
🇸🇪VolymrabattVolume discount (large loan discount): Discounts and Negotiationnegotiationnegotiable; Better rate if you have a larger loan. Banks like customers with big loans because they earn more in total.

Z

🇸🇪DetaljplanZoning plan (local plan, detailed development plan): Land and Plotsvacation-homerequirementsnew-constructionhouse; The municipality's plan for what can be built where. Determines if you can extend or build new on your plot.