Mortgage Dictionary - application

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.
🇸🇪AmorteringsundantagAmortization exemption (repayment holiday, payment deferral): Amortizationapplicationrequirements; Temporary exemption from amortization requirements under special circumstances like income loss.
🇸🇪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.

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.
🇸🇪BankIDBankID (electronic ID, digital identification): Digital Toolsapplicationrequirements; Digital identification for signing loan agreements and other documents. Required to manage loans online.
🇸🇪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.
🇸🇪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

🇸🇪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.
🇸🇪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.
🇸🇪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.
🇸🇪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.
🇸🇪Disponibel inkomstDisposable income (discretionary income): Economy and Incomeapplication; What you have left after fixed expenses. Shows your real ability to pay.

G

🇸🇪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.
🇸🇪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

🇸🇪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.
🇸🇪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%.
🇸🇪BosparandeHousing savings (home savings, deposit savings): Economy and Incomeapplication; Savings earmarked for property purchase. Shows the bank you're disciplined and can manage money.

L

🇸🇪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.
🇸🇪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.
🇸🇪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

🇸🇪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.
🇸🇪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.

N

🇸🇪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.

P

🇸🇪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.
🇸🇪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.

R

🇸🇪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.

S

🇸🇪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.

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.
🇸🇪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.

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.

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.
🇸🇪AmorteringsundantagAmortization exemption (repayment holiday, payment deferral): Amortizationapplicationrequirements; Temporary exemption from amortization requirements under special circumstances like income loss.
🇸🇪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.

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.
🇸🇪BankIDBankID (electronic ID, digital identification): Digital Toolsapplicationrequirements; Digital identification for signing loan agreements and other documents. Required to manage loans online.
🇸🇪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.
🇸🇪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

🇸🇪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.
🇸🇪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.
🇸🇪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.
🇸🇪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.
🇸🇪Disponibel inkomstDisposable income (discretionary income): Economy and Incomeapplication; What you have left after fixed expenses. Shows your real ability to pay.

G

🇸🇪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.
🇸🇪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

🇸🇪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.
🇸🇪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%.
🇸🇪BosparandeHousing savings (home savings, deposit savings): Economy and Incomeapplication; Savings earmarked for property purchase. Shows the bank you're disciplined and can manage money.

L

🇸🇪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.
🇸🇪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.
🇸🇪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

🇸🇪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.
🇸🇪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.

N

🇸🇪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.

P

🇸🇪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.
🇸🇪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.

R

🇸🇪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.

S

🇸🇪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.

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.
🇸🇪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.

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.

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.
🇸🇪AmorteringsundantagAmortization exemption (repayment holiday, payment deferral): Amortizationapplicationrequirements; Temporary exemption from amortization requirements under special circumstances like income loss.
🇸🇪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.

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.
🇸🇪BankIDBankID (electronic ID, digital identification): Digital Toolsapplicationrequirements; Digital identification for signing loan agreements and other documents. Required to manage loans online.
🇸🇪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.
🇸🇪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

🇸🇪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.
🇸🇪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.
🇸🇪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.
🇸🇪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.
🇸🇪Disponibel inkomstDisposable income (discretionary income): Economy and Incomeapplication; What you have left after fixed expenses. Shows your real ability to pay.

G

🇸🇪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.
🇸🇪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

🇸🇪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.
🇸🇪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%.
🇸🇪BosparandeHousing savings (home savings, deposit savings): Economy and Incomeapplication; Savings earmarked for property purchase. Shows the bank you're disciplined and can manage money.

L

🇸🇪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.
🇸🇪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.
🇸🇪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

🇸🇪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.
🇸🇪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.

N

🇸🇪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.

P

🇸🇪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.
🇸🇪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.

R

🇸🇪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.

S

🇸🇪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.

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.
🇸🇪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.

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.