Mortgage Dictionary - housing-cooperative

A

🇸🇪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.

C

🇸🇪KapitaltillskottCapital contribution (special assessment, capital call): Housing Cooperativehousing-cooperativeone-time-cost; When members must contribute extra money, often for major renovations. Can be an unwelcome expense.
🇸🇪BostadsrättsförsäkringCo-op insurance (housing cooperative insurance): Insurancehousing-cooperativerecurring-cost; Addition to home insurance covering what the apartment owner is responsible for, like interior surfaces.

F

🇸🇪AvgiftshöjningFee increase (rate hike, service charge increase): Housing Cooperativehousing-cooperativerecurring-cost; When the association raises the monthly fee. Check the association's finances to assess the risk of increases.
🇸🇪Ekonomisk planFinancial plan (economic plan, business plan): Housing Cooperativehousing-cooperativerequirements; The association's financial forecast. Important document to review before buying a housing cooperative apartment.

H

🇸🇪BostadsrättsföreningHousing cooperative (housing association, co-op, BRF): Housing Cooperativehousing-cooperative; The association that owns the building where you have your apartment. The association's finances affect your housing costs and how much you can borrow.
🇸🇪BostadsrättHousing cooperative apartment (co-op apartment, tenant-owner apartment, co-op, tenant-ownership): Housing TypesProperty Typeshousing-cooperative; You buy the right to live in the apartment, not the apartment itself. The association owns the building and you pay a monthly fee.

M

🇸🇪UnderhållsfondMaintenance reserve (repair fund, sinking fund): Housing Cooperativehousing-cooperative; Money the association saves for future renovations. A large fund reduces the risk of increased fees or special assessments.
🇸🇪MånadsavgiftMonthly fee (maintenance fee, service charge, HOA fee): Housing Cooperativehousing-cooperativerecurring-cost; What you pay to the association each month for operation and maintenance. Counted into your housing costs by the bank.

S

🇸🇪InsatsShare capital (initial stake, membership stake): Housing Cooperativehousing-cooperative; The original sum paid for the housing right when it was formed. Shown in the apartment registry.
🇸🇪AndelstalShare ratio (ownership share, quota): Housing Cooperativehousing-cooperative; Your share of the association, affects how much you pay in fees and your voting power.

T

🇸🇪RadhusTownhouse (row house, terraced house): Property Typeshousing-cooperativehouse; Houses connected to neighbors. Can be freehold or housing cooperative - which affects how you borrow.

A

🇸🇪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.

C

🇸🇪KapitaltillskottCapital contribution (special assessment, capital call): Housing Cooperativehousing-cooperativeone-time-cost; When members must contribute extra money, often for major renovations. Can be an unwelcome expense.
🇸🇪BostadsrättsförsäkringCo-op insurance (housing cooperative insurance): Insurancehousing-cooperativerecurring-cost; Addition to home insurance covering what the apartment owner is responsible for, like interior surfaces.

F

🇸🇪AvgiftshöjningFee increase (rate hike, service charge increase): Housing Cooperativehousing-cooperativerecurring-cost; When the association raises the monthly fee. Check the association's finances to assess the risk of increases.
🇸🇪Ekonomisk planFinancial plan (economic plan, business plan): Housing Cooperativehousing-cooperativerequirements; The association's financial forecast. Important document to review before buying a housing cooperative apartment.

H

🇸🇪BostadsrättsföreningHousing cooperative (housing association, co-op, BRF): Housing Cooperativehousing-cooperative; The association that owns the building where you have your apartment. The association's finances affect your housing costs and how much you can borrow.
🇸🇪BostadsrättHousing cooperative apartment (co-op apartment, tenant-owner apartment, co-op, tenant-ownership): Housing TypesProperty Typeshousing-cooperative; You buy the right to live in the apartment, not the apartment itself. The association owns the building and you pay a monthly fee.

M

🇸🇪UnderhållsfondMaintenance reserve (repair fund, sinking fund): Housing Cooperativehousing-cooperative; Money the association saves for future renovations. A large fund reduces the risk of increased fees or special assessments.
🇸🇪MånadsavgiftMonthly fee (maintenance fee, service charge, HOA fee): Housing Cooperativehousing-cooperativerecurring-cost; What you pay to the association each month for operation and maintenance. Counted into your housing costs by the bank.

S

🇸🇪InsatsShare capital (initial stake, membership stake): Housing Cooperativehousing-cooperative; The original sum paid for the housing right when it was formed. Shown in the apartment registry.
🇸🇪AndelstalShare ratio (ownership share, quota): Housing Cooperativehousing-cooperative; Your share of the association, affects how much you pay in fees and your voting power.

T

🇸🇪RadhusTownhouse (row house, terraced house): Property Typeshousing-cooperativehouse; Houses connected to neighbors. Can be freehold or housing cooperative - which affects how you borrow.

A

🇸🇪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.

C

🇸🇪KapitaltillskottCapital contribution (special assessment, capital call): Housing Cooperativehousing-cooperativeone-time-cost; When members must contribute extra money, often for major renovations. Can be an unwelcome expense.
🇸🇪BostadsrättsförsäkringCo-op insurance (housing cooperative insurance): Insurancehousing-cooperativerecurring-cost; Addition to home insurance covering what the apartment owner is responsible for, like interior surfaces.

F

🇸🇪AvgiftshöjningFee increase (rate hike, service charge increase): Housing Cooperativehousing-cooperativerecurring-cost; When the association raises the monthly fee. Check the association's finances to assess the risk of increases.
🇸🇪Ekonomisk planFinancial plan (economic plan, business plan): Housing Cooperativehousing-cooperativerequirements; The association's financial forecast. Important document to review before buying a housing cooperative apartment.

H

🇸🇪BostadsrättsföreningHousing cooperative (housing association, co-op, BRF): Housing Cooperativehousing-cooperative; The association that owns the building where you have your apartment. The association's finances affect your housing costs and how much you can borrow.
🇸🇪BostadsrättHousing cooperative apartment (co-op apartment, tenant-owner apartment, co-op, tenant-ownership): Housing TypesProperty Typeshousing-cooperative; You buy the right to live in the apartment, not the apartment itself. The association owns the building and you pay a monthly fee.

M

🇸🇪UnderhållsfondMaintenance reserve (repair fund, sinking fund): Housing Cooperativehousing-cooperative; Money the association saves for future renovations. A large fund reduces the risk of increased fees or special assessments.
🇸🇪MånadsavgiftMonthly fee (maintenance fee, service charge, HOA fee): Housing Cooperativehousing-cooperativerecurring-cost; What you pay to the association each month for operation and maintenance. Counted into your housing costs by the bank.

S

🇸🇪InsatsShare capital (initial stake, membership stake): Housing Cooperativehousing-cooperative; The original sum paid for the housing right when it was formed. Shown in the apartment registry.
🇸🇪AndelstalShare ratio (ownership share, quota): Housing Cooperativehousing-cooperative; Your share of the association, affects how much you pay in fees and your voting power.

T

🇸🇪RadhusTownhouse (row house, terraced house): Property Typeshousing-cooperativehouse; Houses connected to neighbors. Can be freehold or housing cooperative - which affects how you borrow.