Mortgage Dictionary - recurring-cost

A

🇸🇪AmorteringAmortization (principal repayment, loan repayment): Amortizationrequirementsrecurring-cost; The part of your monthly payment that reduces the actual debt. Unlike interest which is a cost, amortization is a form of saving.
🇸🇪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.
🇸🇪AmorteringsplanAmortization schedule (repayment plan, payoff schedule): Amortizationrecurring-cost; A plan for how quickly you pay off the loan. Shows how the debt decreases over time.
🇸🇪AnnuitetAnnuity loan (fixed payment loan): Amortizationrecurring-cost; A loan type where the monthly payment is constant but the split between interest and amortization changes over time. In the beginning, it's mostly interest.
🇸🇪SnitträntaAverage rate (mean rate, typical rate): Interest Ratesnegotiationrecurring-cost; The average of what the bank's customers actually pay. Good to compare with to see if you got a reasonable offer.

B

🇸🇪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.

C

🇸🇪BostadsrättsförsäkringCo-op insurance (housing cooperative insurance): Insurancehousing-cooperativerecurring-cost; Addition to home insurance covering what the apartment owner is responsible for, like interior surfaces.
🇸🇪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.

D

🇸🇪UppskovsräntaDeferral interest (deferred tax interest): Taxes and Feesrequirementsrecurring-cost; An annual tax on your deferred amount. Having a deferral costs money, but often cheaper than paying the tax immediately.
🇸🇪DubbelboendeDual housing (double ownership, parallel ownership): Buying and Sellingrecurring-cost; The period when you own two properties simultaneously. Expensive because you have double housing costs.

E

🇸🇪Effektiv räntaEffective interest rate (APR, annual percentage rate, true cost of credit): Interest Ratesrequirementsrecurring-cost; The total cost of the loan including fees, expressed as a rate. Good for comparing offers between banks.

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.
🇸🇪BottenlånFirst mortgage (primary mortgage, senior loan): Basic Loan Termsnegotiationrecurring-cost; The part of the mortgage with the lowest risk for the bank, typically up to 90% of the property value (raised from 85% since April 2026). This is where you get the best interest rate.
🇸🇪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.
🇸🇪RäntebindningstidFixed rate period (rate lock period, interest rate term): Interest Ratesnegotiationrecurring-cost; How long your fixed rate applies, such as 1, 3, 5, or 10 years. When the period ends, you negotiate a new rate.

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.
🇸🇪TomträttsavgäldGround rent (site leasehold fee, land rent): Land and Plotsrecurring-costhouse; The annual fee you pay to the municipality if you have site leasehold. Counted into your housing costs by the bank.

H

🇸🇪HemförsäkringHome insurance (household insurance, contents insurance): Insurancerequirementsrecurring-cost; Insurance for your home and belongings. Usually required by the bank to get a mortgage.
🇸🇪VillaförsäkringHouse insurance (homeowners insurance, building insurance): Insurancevacation-homerequirementsrecurring-costhouse; Insurance for the house that includes home insurance. Mandatory in practice for homeowners.
🇸🇪BoendekostnadHousing cost (cost of living, occupancy cost): Economy and Incomerecurring-cost; All costs for your housing - loan, fees, electricity, heating, insurance, and more.

I

🇸🇪RäntekostnadInterest cost (interest expense, interest payment): Interest Ratesrecurring-cost; What you actually pay in interest each month or year. Together with amortization, it becomes your monthly loan cost.
🇸🇪RänteavdragInterest deduction (mortgage interest deduction, tax relief on interest, mortgage interest relief): Interest RatesTaxes and Feesrecurring-cost; You can deduct 30% of your interest costs on your taxes. Reduces the actual cost of your mortgage.
🇸🇪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.
🇸🇪RäntetakInterest rate cap (rate ceiling, cap): Interest Ratesrecurring-cost; A limit on how high the interest rate can go, sometimes offered as insurance. Protects against extreme rate increases.
🇸🇪RänteriskInterest rate risk (rate risk): Interest Ratesrecurring-cost; The risk that interest rates rise and your monthly costs increase. Important to calculate if you can handle higher rates.
🇸🇪AmorteringsfrittInterest-only (amortization-free, no amortization): Amortizationrequirementsrecurring-cost; Not having to amortize for a period. Was more common before; now special reasons like illness or unemployment are required.

L

🇸🇪ArrendeLand lease (ground rent, leasehold): Land and Plotsvacation-homerecurring-costhouse; Renting land to have your house on instead of owning it. The lease fee becomes an ongoing cost.
🇸🇪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

🇸🇪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.
🇸🇪MånadskostnadMonthly payment (monthly cost, monthly installment): Amortizationrecurring-cost; What you pay the bank each month - interest plus amortization plus any fees. The foundation of your housing budget.
🇸🇪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

🇸🇪Nominell räntaNominal interest rate (stated rate, headline rate): Interest Ratesrecurring-cost; The interest rate without fees included. This is usually what banks talk about, but effective rate shows the real cost.

O

🇸🇪DriftkostnadOperating costs (running costs, utility costs): Economy and Incomerecurring-cost; Ongoing costs of living - electricity, water, heating, waste. Included in the bank's assessment of your finances.

P

🇸🇪LåneskyddsförsäkringPayment protection insurance (PPI, loan protection, mortgage insurance): Insurancerecurring-cost; Insurance that pays the loan if you get sick or unemployed. Consider if you really need it.
🇸🇪StyrräntaPolicy rate (repo rate, central bank rate, key interest rate, key rate, base rate): MacroeconomicsInterest Ratesrecurring-cost; The rate set by the Riksbank (Swedish central bank) that affects all mortgage rates. When the policy rate rises, your mortgage does too.
🇸🇪KampanjräntaPromotional rate (introductory rate, teaser rate): Discounts and Negotiationnegotiationrecurring-cost; Extra low rate for a limited period to attract new customers. Check what the rate will be afterward.
🇸🇪FastighetsavgiftProperty tax (real estate tax, municipal property fee): Taxes and Feesrequirementsrecurring-costhouse; Annual fee for owning a house or housing cooperative apartment. Paid through taxes and affects your housing costs.

R

🇸🇪RäntetrappaRate ladder (interest rate mix, split mortgage, rate staggering): Interest Ratesnegotiationrecurring-cost; Splitting the loan into parts with different fixed-rate periods. Spreads the risk so the entire loan isn't affected by rate changes at once.

S

🇸🇪TopplånSecond mortgage (top-up loan, junior loan, mezzanine loan): Basic Loan Termsnegotiationrecurring-cost; An additional loan on top of the first mortgage if you need to borrow more than 90% of the property value (raised from 85% since April 2026). The interest rate is higher due to increased risk for the bank.
🇸🇪TomträttSite leasehold (ground lease, land lease): Property Typesrecurring-costhouse; You own the house but rent the land from the municipality and pay ground rent. Affects your housing costs.
🇸🇪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.
🇸🇪STIBORSTIBOR (Stockholm Interbank Offered Rate, interbank rate): Interest Ratesrecurring-cost; Stockholm Interbank Offered Rate - the rate banks lend to each other. Banks add their margin on top of STIBOR to set your rate.
🇸🇪Rak amorteringStraight-line amortization (linear amortization, equal principal payments): Amortizationrecurring-cost; A loan type where you amortize the same amount each month. Monthly cost decreases over time as the interest portion shrinks.

U

🇸🇪BlancolånUnsecured loan (personal loan, consumer loan, signature loan): Basic Loan Termsrecurring-cost; A loan without collateral, sometimes used for the down payment or renovations. The interest rate is significantly higher than on mortgages.

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.

A

🇸🇪AmorteringAmortization (principal repayment, loan repayment): Amortizationrequirementsrecurring-cost; The part of your monthly payment that reduces the actual debt. Unlike interest which is a cost, amortization is a form of saving.
🇸🇪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.
🇸🇪AmorteringsplanAmortization schedule (repayment plan, payoff schedule): Amortizationrecurring-cost; A plan for how quickly you pay off the loan. Shows how the debt decreases over time.
🇸🇪AnnuitetAnnuity loan (fixed payment loan): Amortizationrecurring-cost; A loan type where the monthly payment is constant but the split between interest and amortization changes over time. In the beginning, it's mostly interest.
🇸🇪SnitträntaAverage rate (mean rate, typical rate): Interest Ratesnegotiationrecurring-cost; The average of what the bank's customers actually pay. Good to compare with to see if you got a reasonable offer.

B

🇸🇪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.

C

🇸🇪BostadsrättsförsäkringCo-op insurance (housing cooperative insurance): Insurancehousing-cooperativerecurring-cost; Addition to home insurance covering what the apartment owner is responsible for, like interior surfaces.
🇸🇪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.

D

🇸🇪UppskovsräntaDeferral interest (deferred tax interest): Taxes and Feesrequirementsrecurring-cost; An annual tax on your deferred amount. Having a deferral costs money, but often cheaper than paying the tax immediately.
🇸🇪DubbelboendeDual housing (double ownership, parallel ownership): Buying and Sellingrecurring-cost; The period when you own two properties simultaneously. Expensive because you have double housing costs.

E

🇸🇪Effektiv räntaEffective interest rate (APR, annual percentage rate, true cost of credit): Interest Ratesrequirementsrecurring-cost; The total cost of the loan including fees, expressed as a rate. Good for comparing offers between banks.

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.
🇸🇪BottenlånFirst mortgage (primary mortgage, senior loan): Basic Loan Termsnegotiationrecurring-cost; The part of the mortgage with the lowest risk for the bank, typically up to 90% of the property value (raised from 85% since April 2026). This is where you get the best interest rate.
🇸🇪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.
🇸🇪RäntebindningstidFixed rate period (rate lock period, interest rate term): Interest Ratesnegotiationrecurring-cost; How long your fixed rate applies, such as 1, 3, 5, or 10 years. When the period ends, you negotiate a new rate.

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.
🇸🇪TomträttsavgäldGround rent (site leasehold fee, land rent): Land and Plotsrecurring-costhouse; The annual fee you pay to the municipality if you have site leasehold. Counted into your housing costs by the bank.

H

🇸🇪HemförsäkringHome insurance (household insurance, contents insurance): Insurancerequirementsrecurring-cost; Insurance for your home and belongings. Usually required by the bank to get a mortgage.
🇸🇪VillaförsäkringHouse insurance (homeowners insurance, building insurance): Insurancevacation-homerequirementsrecurring-costhouse; Insurance for the house that includes home insurance. Mandatory in practice for homeowners.
🇸🇪BoendekostnadHousing cost (cost of living, occupancy cost): Economy and Incomerecurring-cost; All costs for your housing - loan, fees, electricity, heating, insurance, and more.

I

🇸🇪RäntekostnadInterest cost (interest expense, interest payment): Interest Ratesrecurring-cost; What you actually pay in interest each month or year. Together with amortization, it becomes your monthly loan cost.
🇸🇪RänteavdragInterest deduction (mortgage interest deduction, tax relief on interest, mortgage interest relief): Interest RatesTaxes and Feesrecurring-cost; You can deduct 30% of your interest costs on your taxes. Reduces the actual cost of your mortgage.
🇸🇪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.
🇸🇪RäntetakInterest rate cap (rate ceiling, cap): Interest Ratesrecurring-cost; A limit on how high the interest rate can go, sometimes offered as insurance. Protects against extreme rate increases.
🇸🇪RänteriskInterest rate risk (rate risk): Interest Ratesrecurring-cost; The risk that interest rates rise and your monthly costs increase. Important to calculate if you can handle higher rates.
🇸🇪AmorteringsfrittInterest-only (amortization-free, no amortization): Amortizationrequirementsrecurring-cost; Not having to amortize for a period. Was more common before; now special reasons like illness or unemployment are required.

L

🇸🇪ArrendeLand lease (ground rent, leasehold): Land and Plotsvacation-homerecurring-costhouse; Renting land to have your house on instead of owning it. The lease fee becomes an ongoing cost.
🇸🇪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

🇸🇪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.
🇸🇪MånadskostnadMonthly payment (monthly cost, monthly installment): Amortizationrecurring-cost; What you pay the bank each month - interest plus amortization plus any fees. The foundation of your housing budget.
🇸🇪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

🇸🇪Nominell räntaNominal interest rate (stated rate, headline rate): Interest Ratesrecurring-cost; The interest rate without fees included. This is usually what banks talk about, but effective rate shows the real cost.

O

🇸🇪DriftkostnadOperating costs (running costs, utility costs): Economy and Incomerecurring-cost; Ongoing costs of living - electricity, water, heating, waste. Included in the bank's assessment of your finances.

P

🇸🇪LåneskyddsförsäkringPayment protection insurance (PPI, loan protection, mortgage insurance): Insurancerecurring-cost; Insurance that pays the loan if you get sick or unemployed. Consider if you really need it.
🇸🇪StyrräntaPolicy rate (repo rate, central bank rate, key interest rate, key rate, base rate): MacroeconomicsInterest Ratesrecurring-cost; The rate set by the Riksbank (Swedish central bank) that affects all mortgage rates. When the policy rate rises, your mortgage does too.
🇸🇪KampanjräntaPromotional rate (introductory rate, teaser rate): Discounts and Negotiationnegotiationrecurring-cost; Extra low rate for a limited period to attract new customers. Check what the rate will be afterward.
🇸🇪FastighetsavgiftProperty tax (real estate tax, municipal property fee): Taxes and Feesrequirementsrecurring-costhouse; Annual fee for owning a house or housing cooperative apartment. Paid through taxes and affects your housing costs.

R

🇸🇪RäntetrappaRate ladder (interest rate mix, split mortgage, rate staggering): Interest Ratesnegotiationrecurring-cost; Splitting the loan into parts with different fixed-rate periods. Spreads the risk so the entire loan isn't affected by rate changes at once.

S

🇸🇪TopplånSecond mortgage (top-up loan, junior loan, mezzanine loan): Basic Loan Termsnegotiationrecurring-cost; An additional loan on top of the first mortgage if you need to borrow more than 90% of the property value (raised from 85% since April 2026). The interest rate is higher due to increased risk for the bank.
🇸🇪TomträttSite leasehold (ground lease, land lease): Property Typesrecurring-costhouse; You own the house but rent the land from the municipality and pay ground rent. Affects your housing costs.
🇸🇪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.
🇸🇪STIBORSTIBOR (Stockholm Interbank Offered Rate, interbank rate): Interest Ratesrecurring-cost; Stockholm Interbank Offered Rate - the rate banks lend to each other. Banks add their margin on top of STIBOR to set your rate.
🇸🇪Rak amorteringStraight-line amortization (linear amortization, equal principal payments): Amortizationrecurring-cost; A loan type where you amortize the same amount each month. Monthly cost decreases over time as the interest portion shrinks.

U

🇸🇪BlancolånUnsecured loan (personal loan, consumer loan, signature loan): Basic Loan Termsrecurring-cost; A loan without collateral, sometimes used for the down payment or renovations. The interest rate is significantly higher than on mortgages.

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.

A

🇸🇪AmorteringAmortization (principal repayment, loan repayment): Amortizationrequirementsrecurring-cost; The part of your monthly payment that reduces the actual debt. Unlike interest which is a cost, amortization is a form of saving.
🇸🇪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.
🇸🇪AmorteringsplanAmortization schedule (repayment plan, payoff schedule): Amortizationrecurring-cost; A plan for how quickly you pay off the loan. Shows how the debt decreases over time.
🇸🇪AnnuitetAnnuity loan (fixed payment loan): Amortizationrecurring-cost; A loan type where the monthly payment is constant but the split between interest and amortization changes over time. In the beginning, it's mostly interest.
🇸🇪SnitträntaAverage rate (mean rate, typical rate): Interest Ratesnegotiationrecurring-cost; The average of what the bank's customers actually pay. Good to compare with to see if you got a reasonable offer.

B

🇸🇪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.

C

🇸🇪BostadsrättsförsäkringCo-op insurance (housing cooperative insurance): Insurancehousing-cooperativerecurring-cost; Addition to home insurance covering what the apartment owner is responsible for, like interior surfaces.
🇸🇪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.

D

🇸🇪UppskovsräntaDeferral interest (deferred tax interest): Taxes and Feesrequirementsrecurring-cost; An annual tax on your deferred amount. Having a deferral costs money, but often cheaper than paying the tax immediately.
🇸🇪DubbelboendeDual housing (double ownership, parallel ownership): Buying and Sellingrecurring-cost; The period when you own two properties simultaneously. Expensive because you have double housing costs.

E

🇸🇪Effektiv räntaEffective interest rate (APR, annual percentage rate, true cost of credit): Interest Ratesrequirementsrecurring-cost; The total cost of the loan including fees, expressed as a rate. Good for comparing offers between banks.

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.
🇸🇪BottenlånFirst mortgage (primary mortgage, senior loan): Basic Loan Termsnegotiationrecurring-cost; The part of the mortgage with the lowest risk for the bank, typically up to 90% of the property value (raised from 85% since April 2026). This is where you get the best interest rate.
🇸🇪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.
🇸🇪RäntebindningstidFixed rate period (rate lock period, interest rate term): Interest Ratesnegotiationrecurring-cost; How long your fixed rate applies, such as 1, 3, 5, or 10 years. When the period ends, you negotiate a new rate.

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.
🇸🇪TomträttsavgäldGround rent (site leasehold fee, land rent): Land and Plotsrecurring-costhouse; The annual fee you pay to the municipality if you have site leasehold. Counted into your housing costs by the bank.

H

🇸🇪HemförsäkringHome insurance (household insurance, contents insurance): Insurancerequirementsrecurring-cost; Insurance for your home and belongings. Usually required by the bank to get a mortgage.
🇸🇪VillaförsäkringHouse insurance (homeowners insurance, building insurance): Insurancevacation-homerequirementsrecurring-costhouse; Insurance for the house that includes home insurance. Mandatory in practice for homeowners.
🇸🇪BoendekostnadHousing cost (cost of living, occupancy cost): Economy and Incomerecurring-cost; All costs for your housing - loan, fees, electricity, heating, insurance, and more.

I

🇸🇪RäntekostnadInterest cost (interest expense, interest payment): Interest Ratesrecurring-cost; What you actually pay in interest each month or year. Together with amortization, it becomes your monthly loan cost.
🇸🇪RänteavdragInterest deduction (mortgage interest deduction, tax relief on interest, mortgage interest relief): Interest RatesTaxes and Feesrecurring-cost; You can deduct 30% of your interest costs on your taxes. Reduces the actual cost of your mortgage.
🇸🇪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.
🇸🇪RäntetakInterest rate cap (rate ceiling, cap): Interest Ratesrecurring-cost; A limit on how high the interest rate can go, sometimes offered as insurance. Protects against extreme rate increases.
🇸🇪RänteriskInterest rate risk (rate risk): Interest Ratesrecurring-cost; The risk that interest rates rise and your monthly costs increase. Important to calculate if you can handle higher rates.
🇸🇪AmorteringsfrittInterest-only (amortization-free, no amortization): Amortizationrequirementsrecurring-cost; Not having to amortize for a period. Was more common before; now special reasons like illness or unemployment are required.

L

🇸🇪ArrendeLand lease (ground rent, leasehold): Land and Plotsvacation-homerecurring-costhouse; Renting land to have your house on instead of owning it. The lease fee becomes an ongoing cost.
🇸🇪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

🇸🇪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.
🇸🇪MånadskostnadMonthly payment (monthly cost, monthly installment): Amortizationrecurring-cost; What you pay the bank each month - interest plus amortization plus any fees. The foundation of your housing budget.
🇸🇪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

🇸🇪Nominell räntaNominal interest rate (stated rate, headline rate): Interest Ratesrecurring-cost; The interest rate without fees included. This is usually what banks talk about, but effective rate shows the real cost.

O

🇸🇪DriftkostnadOperating costs (running costs, utility costs): Economy and Incomerecurring-cost; Ongoing costs of living - electricity, water, heating, waste. Included in the bank's assessment of your finances.

P

🇸🇪LåneskyddsförsäkringPayment protection insurance (PPI, loan protection, mortgage insurance): Insurancerecurring-cost; Insurance that pays the loan if you get sick or unemployed. Consider if you really need it.
🇸🇪StyrräntaPolicy rate (repo rate, central bank rate, key interest rate, key rate, base rate): MacroeconomicsInterest Ratesrecurring-cost; The rate set by the Riksbank (Swedish central bank) that affects all mortgage rates. When the policy rate rises, your mortgage does too.
🇸🇪KampanjräntaPromotional rate (introductory rate, teaser rate): Discounts and Negotiationnegotiationrecurring-cost; Extra low rate for a limited period to attract new customers. Check what the rate will be afterward.
🇸🇪FastighetsavgiftProperty tax (real estate tax, municipal property fee): Taxes and Feesrequirementsrecurring-costhouse; Annual fee for owning a house or housing cooperative apartment. Paid through taxes and affects your housing costs.

R

🇸🇪RäntetrappaRate ladder (interest rate mix, split mortgage, rate staggering): Interest Ratesnegotiationrecurring-cost; Splitting the loan into parts with different fixed-rate periods. Spreads the risk so the entire loan isn't affected by rate changes at once.

S

🇸🇪TopplånSecond mortgage (top-up loan, junior loan, mezzanine loan): Basic Loan Termsnegotiationrecurring-cost; An additional loan on top of the first mortgage if you need to borrow more than 90% of the property value (raised from 85% since April 2026). The interest rate is higher due to increased risk for the bank.
🇸🇪TomträttSite leasehold (ground lease, land lease): Property Typesrecurring-costhouse; You own the house but rent the land from the municipality and pay ground rent. Affects your housing costs.
🇸🇪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.
🇸🇪STIBORSTIBOR (Stockholm Interbank Offered Rate, interbank rate): Interest Ratesrecurring-cost; Stockholm Interbank Offered Rate - the rate banks lend to each other. Banks add their margin on top of STIBOR to set your rate.
🇸🇪Rak amorteringStraight-line amortization (linear amortization, equal principal payments): Amortizationrecurring-cost; A loan type where you amortize the same amount each month. Monthly cost decreases over time as the interest portion shrinks.

U

🇸🇪BlancolånUnsecured loan (personal loan, consumer loan, signature loan): Basic Loan Termsrecurring-cost; A loan without collateral, sometimes used for the down payment or renovations. The interest rate is significantly higher than on mortgages.

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.