Mortgage Dictionary - Risks and Issues

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: Risks and Issues

D

🇸🇪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.

F

🇸🇪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.

H

🇸🇪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.

S

🇸🇪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.

V

🇸🇪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.