D
- 🇸🇪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.
H
- 🇸🇪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%.
L
- 🇸🇪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.
D
- 🇸🇪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.
H
- 🇸🇪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%.
L
- 🇸🇪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.
D
- 🇸🇪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.
H
- 🇸🇪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%.
L
- 🇸🇪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.