Mortgage Dictionary - Loan-to-Value and Valuation

A

🇸🇪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.

B

🇸🇪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.
🇸🇪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.

D

🇸🇪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.

L

🇸🇪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

🇸🇪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.
🇸🇪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.
🇸🇪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.

P

🇸🇪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.

S

🇸🇪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).

T

🇸🇪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.

A

🇸🇪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.

B

🇸🇪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.
🇸🇪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.

D

🇸🇪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.

L

🇸🇪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

🇸🇪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.
🇸🇪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.
🇸🇪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.

P

🇸🇪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.

S

🇸🇪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).

T

🇸🇪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.

A

🇸🇪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.

B

🇸🇪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.
🇸🇪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.

D

🇸🇪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.

L

🇸🇪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

🇸🇪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.
🇸🇪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.
🇸🇪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.

P

🇸🇪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.

S

🇸🇪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).

T

🇸🇪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.