Mortgage Dictionary - Regulation

Master the language of Swedish mortgages and real estate. From belåningsgrad (loan-to-value) to handpenning (earnest money) – understand every term you'll encounter when buying a home in Sweden.

Selected Tag: Regulation

A

🇸🇪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.

C

🇸🇪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.

D

🇸🇪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.

M

🇸🇪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.