A
- 🇸🇪MäklararvodeAgent commission (realtor fee, brokerage fee)
- Real Estate Agentsone-time-costnegotiationnegotiable
- What the agent costs, usually a percentage of the price or a fixed amount. Paid by the seller.
- 🇸🇪UppläggningsavgiftArrangement fee (setup fee, origination fee, loan setup fee)
- Interest Ratesone-time-costnegotiationnegotiable
- A one-time fee when you take out a new loan. Can sometimes be negotiated away, especially when switching banks.
F
- 🇸🇪Bunden räntaFixed rate (locked rate, fixed interest)
- Interest Ratesnegotiationnegotiablerecurring-cost
- An interest rate that is locked for a certain period, such as 3 or 5 years. Provides security but can become more expensive if market rates fall.
- 🇸🇪Bolån med bunden räntaFixed rate mortgage (fixed-rate loan)
- Loan Productsnegotiationnegotiablerecurring-cost
- Loan where the rate is locked for a period. Security but can become more expensive if market rates fall.
- 🇸🇪HelkundsrabattFull customer discount (relationship discount, package discount)
- Discounts and Negotiationnegotiationnegotiable
- Better rate if you consolidate all your banking with the same bank - salary, savings, insurance, and more.
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.
I
- 🇸🇪RäntepåslagInterest margin (bank margin, spread, markup)
- Interest Ratesnegotiationnegotiablerecurring-cost
- What the bank adds on top of their own borrowing cost to lend you money. There's room for negotiation here.
- 🇸🇪RänterabattInterest rate discount (rate discount, rate reduction)
- Discounts and Negotiationnegotiationnegotiable
- Deduction from the list rate that you get through negotiation or meeting certain conditions. Most people get some form of discount.
L
- 🇸🇪ListräntaList rate (posted rate, standard rate, rack rate)
- Interest Ratesnegotiationnegotiablerecurring-cost
- The bank's official rate before negotiation. Almost everyone gets a discount on the list rate, so see it as a starting price.
M
- 🇸🇪MedlemsrabattMembership discount (union discount, affinity discount)
- Discounts and Negotiationnegotiationnegotiable
- Discount through being a member of a union or organization that has an agreement with the bank.
- 🇸🇪BolåneräntaMortgage interest rate (mortgage rate, home loan rate)
- Interest Ratesnegotiationnegotiablerecurring-cost
- The cost of borrowing money for the property, expressed as a percentage per year. The most important factor for your monthly payment.
N
- 🇸🇪FörhandlingsrabattNegotiated discount (bargained rate)
- Discounts and Negotiationnegotiationnegotiable
- Discount you get by actively negotiating with the bank. Call and compare with other banks' offers.
S
- 🇸🇪Mixat bolånSplit mortgage (mixed mortgage, hybrid mortgage)
- Loan Productsnegotiationnegotiablerecurring-cost
- Having part of the loan variable and part fixed. Spreads the risk and balances security with flexibility.
- 🇸🇪AviavgiftStatement fee (invoice fee, paper statement fee)
- Interest Ratesnegotiablerecurring-cost
- Fee for each invoice or statement the bank sends. Choose e-invoicing to avoid this cost.
V
- 🇸🇪Rörlig räntaVariable rate (floating rate, adjustable rate, 3-month rate)
- Interest Ratesnegotiationnegotiablerecurring-cost
- An interest rate that changes every three months based on market conditions. Usually lower than fixed rate but more uncertain.
- 🇸🇪Bolån med rörlig räntaVariable rate mortgage (adjustable rate mortgage, ARM, floating rate mortgage)
- Loan Productsnegotiationnegotiablerecurring-cost
- Loan where the rate changes with the market. Flexible and often cheapest, but uncertain.
- 🇸🇪VolymrabattVolume discount (large loan discount)
- Discounts and Negotiationnegotiationnegotiable
- Better rate if you have a larger loan. Banks like customers with big loans because they earn more in total.
A
- 🇸🇪MäklararvodeAgent commission (realtor fee, brokerage fee)
- Real Estate Agentsone-time-costnegotiationnegotiable
- What the agent costs, usually a percentage of the price or a fixed amount. Paid by the seller.
- 🇸🇪UppläggningsavgiftArrangement fee (setup fee, origination fee, loan setup fee)
- Interest Ratesone-time-costnegotiationnegotiable
- A one-time fee when you take out a new loan. Can sometimes be negotiated away, especially when switching banks.
F
- 🇸🇪Bunden räntaFixed rate (locked rate, fixed interest)
- Interest Ratesnegotiationnegotiablerecurring-cost
- An interest rate that is locked for a certain period, such as 3 or 5 years. Provides security but can become more expensive if market rates fall.
- 🇸🇪Bolån med bunden räntaFixed rate mortgage (fixed-rate loan)
- Loan Productsnegotiationnegotiablerecurring-cost
- Loan where the rate is locked for a period. Security but can become more expensive if market rates fall.
- 🇸🇪HelkundsrabattFull customer discount (relationship discount, package discount)
- Discounts and Negotiationnegotiationnegotiable
- Better rate if you consolidate all your banking with the same bank - salary, savings, insurance, and more.
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.
I
- 🇸🇪RäntepåslagInterest margin (bank margin, spread, markup)
- Interest Ratesnegotiationnegotiablerecurring-cost
- What the bank adds on top of their own borrowing cost to lend you money. There's room for negotiation here.
- 🇸🇪RänterabattInterest rate discount (rate discount, rate reduction)
- Discounts and Negotiationnegotiationnegotiable
- Deduction from the list rate that you get through negotiation or meeting certain conditions. Most people get some form of discount.
L
- 🇸🇪ListräntaList rate (posted rate, standard rate, rack rate)
- Interest Ratesnegotiationnegotiablerecurring-cost
- The bank's official rate before negotiation. Almost everyone gets a discount on the list rate, so see it as a starting price.
M
- 🇸🇪MedlemsrabattMembership discount (union discount, affinity discount)
- Discounts and Negotiationnegotiationnegotiable
- Discount through being a member of a union or organization that has an agreement with the bank.
- 🇸🇪BolåneräntaMortgage interest rate (mortgage rate, home loan rate)
- Interest Ratesnegotiationnegotiablerecurring-cost
- The cost of borrowing money for the property, expressed as a percentage per year. The most important factor for your monthly payment.
N
- 🇸🇪FörhandlingsrabattNegotiated discount (bargained rate)
- Discounts and Negotiationnegotiationnegotiable
- Discount you get by actively negotiating with the bank. Call and compare with other banks' offers.
S
- 🇸🇪Mixat bolånSplit mortgage (mixed mortgage, hybrid mortgage)
- Loan Productsnegotiationnegotiablerecurring-cost
- Having part of the loan variable and part fixed. Spreads the risk and balances security with flexibility.
- 🇸🇪AviavgiftStatement fee (invoice fee, paper statement fee)
- Interest Ratesnegotiablerecurring-cost
- Fee for each invoice or statement the bank sends. Choose e-invoicing to avoid this cost.
V
- 🇸🇪Rörlig räntaVariable rate (floating rate, adjustable rate, 3-month rate)
- Interest Ratesnegotiationnegotiablerecurring-cost
- An interest rate that changes every three months based on market conditions. Usually lower than fixed rate but more uncertain.
- 🇸🇪Bolån med rörlig räntaVariable rate mortgage (adjustable rate mortgage, ARM, floating rate mortgage)
- Loan Productsnegotiationnegotiablerecurring-cost
- Loan where the rate changes with the market. Flexible and often cheapest, but uncertain.
- 🇸🇪VolymrabattVolume discount (large loan discount)
- Discounts and Negotiationnegotiationnegotiable
- Better rate if you have a larger loan. Banks like customers with big loans because they earn more in total.
A
- 🇸🇪MäklararvodeAgent commission (realtor fee, brokerage fee)
- Real Estate Agentsone-time-costnegotiationnegotiable
- What the agent costs, usually a percentage of the price or a fixed amount. Paid by the seller.
- 🇸🇪UppläggningsavgiftArrangement fee (setup fee, origination fee, loan setup fee)
- Interest Ratesone-time-costnegotiationnegotiable
- A one-time fee when you take out a new loan. Can sometimes be negotiated away, especially when switching banks.
F
- 🇸🇪Bunden räntaFixed rate (locked rate, fixed interest)
- Interest Ratesnegotiationnegotiablerecurring-cost
- An interest rate that is locked for a certain period, such as 3 or 5 years. Provides security but can become more expensive if market rates fall.
- 🇸🇪Bolån med bunden räntaFixed rate mortgage (fixed-rate loan)
- Loan Productsnegotiationnegotiablerecurring-cost
- Loan where the rate is locked for a period. Security but can become more expensive if market rates fall.
- 🇸🇪HelkundsrabattFull customer discount (relationship discount, package discount)
- Discounts and Negotiationnegotiationnegotiable
- Better rate if you consolidate all your banking with the same bank - salary, savings, insurance, and more.
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.
I
- 🇸🇪RäntepåslagInterest margin (bank margin, spread, markup)
- Interest Ratesnegotiationnegotiablerecurring-cost
- What the bank adds on top of their own borrowing cost to lend you money. There's room for negotiation here.
- 🇸🇪RänterabattInterest rate discount (rate discount, rate reduction)
- Discounts and Negotiationnegotiationnegotiable
- Deduction from the list rate that you get through negotiation or meeting certain conditions. Most people get some form of discount.
L
- 🇸🇪ListräntaList rate (posted rate, standard rate, rack rate)
- Interest Ratesnegotiationnegotiablerecurring-cost
- The bank's official rate before negotiation. Almost everyone gets a discount on the list rate, so see it as a starting price.
M
- 🇸🇪MedlemsrabattMembership discount (union discount, affinity discount)
- Discounts and Negotiationnegotiationnegotiable
- Discount through being a member of a union or organization that has an agreement with the bank.
- 🇸🇪BolåneräntaMortgage interest rate (mortgage rate, home loan rate)
- Interest Ratesnegotiationnegotiablerecurring-cost
- The cost of borrowing money for the property, expressed as a percentage per year. The most important factor for your monthly payment.
N
- 🇸🇪FörhandlingsrabattNegotiated discount (bargained rate)
- Discounts and Negotiationnegotiationnegotiable
- Discount you get by actively negotiating with the bank. Call and compare with other banks' offers.
S
- 🇸🇪Mixat bolånSplit mortgage (mixed mortgage, hybrid mortgage)
- Loan Productsnegotiationnegotiablerecurring-cost
- Having part of the loan variable and part fixed. Spreads the risk and balances security with flexibility.
- 🇸🇪AviavgiftStatement fee (invoice fee, paper statement fee)
- Interest Ratesnegotiablerecurring-cost
- Fee for each invoice or statement the bank sends. Choose e-invoicing to avoid this cost.
V
- 🇸🇪Rörlig räntaVariable rate (floating rate, adjustable rate, 3-month rate)
- Interest Ratesnegotiationnegotiablerecurring-cost
- An interest rate that changes every three months based on market conditions. Usually lower than fixed rate but more uncertain.
- 🇸🇪Bolån med rörlig räntaVariable rate mortgage (adjustable rate mortgage, ARM, floating rate mortgage)
- Loan Productsnegotiationnegotiablerecurring-cost
- Loan where the rate changes with the market. Flexible and often cheapest, but uncertain.
- 🇸🇪VolymrabattVolume discount (large loan discount)
- Discounts and Negotiationnegotiationnegotiable
- Better rate if you have a larger loan. Banks like customers with big loans because they earn more in total.