Mortgage Dictionary - requirements

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

B

🇸🇪BankIDBankID (electronic ID, digital identification): Digital Toolsapplicationrequirements; Digital identification for signing loan agreements and other documents. Required to manage loans online.
🇸🇪KöpebrevBill of sale (deed of conveyance, transfer deed): Buying and Sellingvacation-homerequirementshouse; The document proving ownership has transferred to you. Written when the full purchase price is paid.
🇸🇪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

🇸🇪KapitalvinstskattCapital gains tax (CGT, profit tax): Taxes and Feesone-time-costrequirements; 22% tax on the profit when you sell your property. Can be deferred with rollover relief if you buy a new one.
🇸🇪PantCollateral (security, pledge): Collateralrequirements; The property as guarantee for the loan. If you don't pay, the bank can ultimately sell the property.
🇸🇪FärdigställandeskyddCompletion guarantee (builder's warranty, construction insurance): New Constructionrequirementsnew-constructionhouse; Insurance that protects you if the construction company goes bankrupt. Mandatory for new construction.
🇸🇪KonsumentkreditlagenConsumer Credit Act (consumer lending law): Regulationrequirements; The law that protects you when borrowing money. Gives you right to clear information and certain cancellation rights.
🇸🇪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.

D

🇸🇪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.
🇸🇪SkuldkvottakDebt-to-income cap (DTI limit, income multiple cap): Regulationrequirements; Discussed rule on maximum debt relative to income. Would limit how much you can borrow.
🇸🇪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.
🇸🇪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.
🇸🇪KontantinsatsDown payment (deposit, equity, cash deposit): Loan-to-Value and Valuationone-time-costrequirements; At least 10% of the purchase price (lowered from 15% since April 2026) that you must pay with your own money. Cannot be borrowed as a mortgage.
🇸🇪UpplysningspliktDuty to disclose (seller's disclosure duty): Legal Termsrequirements; The seller's obligation to tell about known defects. Doesn't cover everything - that's why inspection is important.
🇸🇪UndersökningspliktDuty to investigate (buyer's investigation duty, caveat emptor): Legal Termsrequirements; Your responsibility to thoroughly examine the property before buying. You can't complain about defects you should have found.

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.
🇸🇪GravationsbevisEncumbrance certificate (title search, liens certificate): Real Estate Lawvacation-homerequirementshouse; Shows what mortgages and encumbrances exist on the property. Important to check before purchase.
🇸🇪EnergideklarationEnergy performance certificate (EPC, energy rating): Green Loansrequirements; A grade of the property's energy consumption from A to G. Affects whether you can get a green mortgage.
🇸🇪FastighetsmäklarinspektionenEstate Agents Inspectorate (FMI, real estate regulator): Real Estate Agentsrequirements; The authority that supervises real estate agents. Where you can report if an agent has done wrong.

F

🇸🇪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.
🇸🇪FinansinspektionenFinancial Supervisory Authority (FI, FSA): Authoritiesrequirements; The authority that sets the rules for mortgages, such as amortization requirements and loan-to-value caps.

G

🇸🇪God fastighetsmäklarsedGood estate agency practice (professional conduct standards): Real Estate Agentsrequirements; The rules for how agents should behave. They should be impartial and give correct information to both parties.

H

🇸🇪Dolda felHidden defects (latent defects, concealed defects): Legal Termsrequirements; Defects in the property that couldn't be discovered at purchase. The seller is liable for 10 years for houses.
🇸🇪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.
🇸🇪HypotekHypothec (mortgage security): Collateralvacation-homerequirementshouse; Another word for pledge in real property. Mortgages are sometimes called hypothec loans.

I

🇸🇪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.

J

🇸🇪Solidariskt ansvarJoint and several liability (joint liability, shared responsibility): Basic Loan Termsrequirements; When multiple people take a loan together, each one is responsible for the entire debt, not just their share. The bank can demand the full amount from anyone.

L

🇸🇪FastighetsregistretLand Registry (property register, cadastre): Real Estate Lawvacation-homerequirementshouse; Lantmäteriet's register of all properties and who owns them. Public information.
🇸🇪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.
🇸🇪PanträttLien (security interest, charge): Collateralvacation-homerequirementshouse; The bank's right to claim the property if you don't pay the loan. This is why mortgage rates are low - the bank has security.
🇸🇪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

🇸🇪BolånetakMortgage cap (LTV cap, loan-to-value limit): Regulationrequirements; The rule that you can borrow maximum 90% of the property value (raised from 85% since April 2026) as a mortgage. The rest must be down payment.
🇸🇪PantbrevMortgage deed (mortgage certificate, title deed): Loan-to-Value and Valuationone-time-costvacation-homerequirementshouse; A certificate proving that the property can be used as loan collateral. Either already exists in the property or new ones must be issued.
🇸🇪PantbrevskostnadMortgage deed fee (mortgage registration fee): Loan-to-Value and Valuationone-time-costvacation-homerequirementshouse; 2% of the mortgage deed amount paid to the government when new deeds are issued. A one-time cost when buying.
🇸🇪InteckningMortgage lien (encumbrance, charge): Loan-to-Value and Valuationvacation-homerequirementshouse; A registration in the property showing it can be used as loan collateral. The mortgage deed is proof of the lien.

P

🇸🇪FastighetstaxeringProperty assessment (property taxation, real estate assessment): Property Assessmentvacation-homerequirementshouse; The process where the Tax Agency values properties. Done every three or six years depending on property type.
🇸🇪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.
🇸🇪KöpeavtalPurchase agreement (sales contract, contract of sale): Buying and Sellingrequirements; The binding agreement between buyer and seller. After both have signed, the deal is essentially done.

S

🇸🇪StämpelskattStamp duty (transfer tax, deed tax): Loan-to-Value and ValuationTaxes and Feesone-time-costvacation-homerequirementshouse; The tax you pay for title registration (1.5% of purchase price) and new mortgage deeds (2% of the amount).

T

🇸🇪LagfartsbevisTitle certificate (deed of title, ownership certificate): Real Estate Lawvacation-homerequirementshouse; Proof that you are registered owner of the property. Important document after purchase.
🇸🇪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.

Z

🇸🇪DetaljplanZoning plan (local plan, detailed development plan): Land and Plotsvacation-homerequirementsnew-constructionhouse; The municipality's plan for what can be built where. Determines if you can extend or build new on your plot.

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

B

🇸🇪BankIDBankID (electronic ID, digital identification): Digital Toolsapplicationrequirements; Digital identification for signing loan agreements and other documents. Required to manage loans online.
🇸🇪KöpebrevBill of sale (deed of conveyance, transfer deed): Buying and Sellingvacation-homerequirementshouse; The document proving ownership has transferred to you. Written when the full purchase price is paid.
🇸🇪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

🇸🇪KapitalvinstskattCapital gains tax (CGT, profit tax): Taxes and Feesone-time-costrequirements; 22% tax on the profit when you sell your property. Can be deferred with rollover relief if you buy a new one.
🇸🇪PantCollateral (security, pledge): Collateralrequirements; The property as guarantee for the loan. If you don't pay, the bank can ultimately sell the property.
🇸🇪FärdigställandeskyddCompletion guarantee (builder's warranty, construction insurance): New Constructionrequirementsnew-constructionhouse; Insurance that protects you if the construction company goes bankrupt. Mandatory for new construction.
🇸🇪KonsumentkreditlagenConsumer Credit Act (consumer lending law): Regulationrequirements; The law that protects you when borrowing money. Gives you right to clear information and certain cancellation rights.
🇸🇪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.

D

🇸🇪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.
🇸🇪SkuldkvottakDebt-to-income cap (DTI limit, income multiple cap): Regulationrequirements; Discussed rule on maximum debt relative to income. Would limit how much you can borrow.
🇸🇪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.
🇸🇪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.
🇸🇪KontantinsatsDown payment (deposit, equity, cash deposit): Loan-to-Value and Valuationone-time-costrequirements; At least 10% of the purchase price (lowered from 15% since April 2026) that you must pay with your own money. Cannot be borrowed as a mortgage.
🇸🇪UpplysningspliktDuty to disclose (seller's disclosure duty): Legal Termsrequirements; The seller's obligation to tell about known defects. Doesn't cover everything - that's why inspection is important.
🇸🇪UndersökningspliktDuty to investigate (buyer's investigation duty, caveat emptor): Legal Termsrequirements; Your responsibility to thoroughly examine the property before buying. You can't complain about defects you should have found.

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.
🇸🇪GravationsbevisEncumbrance certificate (title search, liens certificate): Real Estate Lawvacation-homerequirementshouse; Shows what mortgages and encumbrances exist on the property. Important to check before purchase.
🇸🇪EnergideklarationEnergy performance certificate (EPC, energy rating): Green Loansrequirements; A grade of the property's energy consumption from A to G. Affects whether you can get a green mortgage.
🇸🇪FastighetsmäklarinspektionenEstate Agents Inspectorate (FMI, real estate regulator): Real Estate Agentsrequirements; The authority that supervises real estate agents. Where you can report if an agent has done wrong.

F

🇸🇪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.
🇸🇪FinansinspektionenFinancial Supervisory Authority (FI, FSA): Authoritiesrequirements; The authority that sets the rules for mortgages, such as amortization requirements and loan-to-value caps.

G

🇸🇪God fastighetsmäklarsedGood estate agency practice (professional conduct standards): Real Estate Agentsrequirements; The rules for how agents should behave. They should be impartial and give correct information to both parties.

H

🇸🇪Dolda felHidden defects (latent defects, concealed defects): Legal Termsrequirements; Defects in the property that couldn't be discovered at purchase. The seller is liable for 10 years for houses.
🇸🇪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.
🇸🇪HypotekHypothec (mortgage security): Collateralvacation-homerequirementshouse; Another word for pledge in real property. Mortgages are sometimes called hypothec loans.

I

🇸🇪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.

J

🇸🇪Solidariskt ansvarJoint and several liability (joint liability, shared responsibility): Basic Loan Termsrequirements; When multiple people take a loan together, each one is responsible for the entire debt, not just their share. The bank can demand the full amount from anyone.

L

🇸🇪FastighetsregistretLand Registry (property register, cadastre): Real Estate Lawvacation-homerequirementshouse; Lantmäteriet's register of all properties and who owns them. Public information.
🇸🇪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.
🇸🇪PanträttLien (security interest, charge): Collateralvacation-homerequirementshouse; The bank's right to claim the property if you don't pay the loan. This is why mortgage rates are low - the bank has security.
🇸🇪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

🇸🇪BolånetakMortgage cap (LTV cap, loan-to-value limit): Regulationrequirements; The rule that you can borrow maximum 90% of the property value (raised from 85% since April 2026) as a mortgage. The rest must be down payment.
🇸🇪PantbrevMortgage deed (mortgage certificate, title deed): Loan-to-Value and Valuationone-time-costvacation-homerequirementshouse; A certificate proving that the property can be used as loan collateral. Either already exists in the property or new ones must be issued.
🇸🇪PantbrevskostnadMortgage deed fee (mortgage registration fee): Loan-to-Value and Valuationone-time-costvacation-homerequirementshouse; 2% of the mortgage deed amount paid to the government when new deeds are issued. A one-time cost when buying.
🇸🇪InteckningMortgage lien (encumbrance, charge): Loan-to-Value and Valuationvacation-homerequirementshouse; A registration in the property showing it can be used as loan collateral. The mortgage deed is proof of the lien.

P

🇸🇪FastighetstaxeringProperty assessment (property taxation, real estate assessment): Property Assessmentvacation-homerequirementshouse; The process where the Tax Agency values properties. Done every three or six years depending on property type.
🇸🇪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.
🇸🇪KöpeavtalPurchase agreement (sales contract, contract of sale): Buying and Sellingrequirements; The binding agreement between buyer and seller. After both have signed, the deal is essentially done.

S

🇸🇪StämpelskattStamp duty (transfer tax, deed tax): Loan-to-Value and ValuationTaxes and Feesone-time-costvacation-homerequirementshouse; The tax you pay for title registration (1.5% of purchase price) and new mortgage deeds (2% of the amount).

T

🇸🇪LagfartsbevisTitle certificate (deed of title, ownership certificate): Real Estate Lawvacation-homerequirementshouse; Proof that you are registered owner of the property. Important document after purchase.
🇸🇪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.

Z

🇸🇪DetaljplanZoning plan (local plan, detailed development plan): Land and Plotsvacation-homerequirementsnew-constructionhouse; The municipality's plan for what can be built where. Determines if you can extend or build new on your plot.

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

B

🇸🇪BankIDBankID (electronic ID, digital identification): Digital Toolsapplicationrequirements; Digital identification for signing loan agreements and other documents. Required to manage loans online.
🇸🇪KöpebrevBill of sale (deed of conveyance, transfer deed): Buying and Sellingvacation-homerequirementshouse; The document proving ownership has transferred to you. Written when the full purchase price is paid.
🇸🇪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

🇸🇪KapitalvinstskattCapital gains tax (CGT, profit tax): Taxes and Feesone-time-costrequirements; 22% tax on the profit when you sell your property. Can be deferred with rollover relief if you buy a new one.
🇸🇪PantCollateral (security, pledge): Collateralrequirements; The property as guarantee for the loan. If you don't pay, the bank can ultimately sell the property.
🇸🇪FärdigställandeskyddCompletion guarantee (builder's warranty, construction insurance): New Constructionrequirementsnew-constructionhouse; Insurance that protects you if the construction company goes bankrupt. Mandatory for new construction.
🇸🇪KonsumentkreditlagenConsumer Credit Act (consumer lending law): Regulationrequirements; The law that protects you when borrowing money. Gives you right to clear information and certain cancellation rights.
🇸🇪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.

D

🇸🇪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.
🇸🇪SkuldkvottakDebt-to-income cap (DTI limit, income multiple cap): Regulationrequirements; Discussed rule on maximum debt relative to income. Would limit how much you can borrow.
🇸🇪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.
🇸🇪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.
🇸🇪KontantinsatsDown payment (deposit, equity, cash deposit): Loan-to-Value and Valuationone-time-costrequirements; At least 10% of the purchase price (lowered from 15% since April 2026) that you must pay with your own money. Cannot be borrowed as a mortgage.
🇸🇪UpplysningspliktDuty to disclose (seller's disclosure duty): Legal Termsrequirements; The seller's obligation to tell about known defects. Doesn't cover everything - that's why inspection is important.
🇸🇪UndersökningspliktDuty to investigate (buyer's investigation duty, caveat emptor): Legal Termsrequirements; Your responsibility to thoroughly examine the property before buying. You can't complain about defects you should have found.

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.
🇸🇪GravationsbevisEncumbrance certificate (title search, liens certificate): Real Estate Lawvacation-homerequirementshouse; Shows what mortgages and encumbrances exist on the property. Important to check before purchase.
🇸🇪EnergideklarationEnergy performance certificate (EPC, energy rating): Green Loansrequirements; A grade of the property's energy consumption from A to G. Affects whether you can get a green mortgage.
🇸🇪FastighetsmäklarinspektionenEstate Agents Inspectorate (FMI, real estate regulator): Real Estate Agentsrequirements; The authority that supervises real estate agents. Where you can report if an agent has done wrong.

F

🇸🇪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.
🇸🇪FinansinspektionenFinancial Supervisory Authority (FI, FSA): Authoritiesrequirements; The authority that sets the rules for mortgages, such as amortization requirements and loan-to-value caps.

G

🇸🇪God fastighetsmäklarsedGood estate agency practice (professional conduct standards): Real Estate Agentsrequirements; The rules for how agents should behave. They should be impartial and give correct information to both parties.

H

🇸🇪Dolda felHidden defects (latent defects, concealed defects): Legal Termsrequirements; Defects in the property that couldn't be discovered at purchase. The seller is liable for 10 years for houses.
🇸🇪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.
🇸🇪HypotekHypothec (mortgage security): Collateralvacation-homerequirementshouse; Another word for pledge in real property. Mortgages are sometimes called hypothec loans.

I

🇸🇪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.

J

🇸🇪Solidariskt ansvarJoint and several liability (joint liability, shared responsibility): Basic Loan Termsrequirements; When multiple people take a loan together, each one is responsible for the entire debt, not just their share. The bank can demand the full amount from anyone.

L

🇸🇪FastighetsregistretLand Registry (property register, cadastre): Real Estate Lawvacation-homerequirementshouse; Lantmäteriet's register of all properties and who owns them. Public information.
🇸🇪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.
🇸🇪PanträttLien (security interest, charge): Collateralvacation-homerequirementshouse; The bank's right to claim the property if you don't pay the loan. This is why mortgage rates are low - the bank has security.
🇸🇪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

🇸🇪BolånetakMortgage cap (LTV cap, loan-to-value limit): Regulationrequirements; The rule that you can borrow maximum 90% of the property value (raised from 85% since April 2026) as a mortgage. The rest must be down payment.
🇸🇪PantbrevMortgage deed (mortgage certificate, title deed): Loan-to-Value and Valuationone-time-costvacation-homerequirementshouse; A certificate proving that the property can be used as loan collateral. Either already exists in the property or new ones must be issued.
🇸🇪PantbrevskostnadMortgage deed fee (mortgage registration fee): Loan-to-Value and Valuationone-time-costvacation-homerequirementshouse; 2% of the mortgage deed amount paid to the government when new deeds are issued. A one-time cost when buying.
🇸🇪InteckningMortgage lien (encumbrance, charge): Loan-to-Value and Valuationvacation-homerequirementshouse; A registration in the property showing it can be used as loan collateral. The mortgage deed is proof of the lien.

P

🇸🇪FastighetstaxeringProperty assessment (property taxation, real estate assessment): Property Assessmentvacation-homerequirementshouse; The process where the Tax Agency values properties. Done every three or six years depending on property type.
🇸🇪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.
🇸🇪KöpeavtalPurchase agreement (sales contract, contract of sale): Buying and Sellingrequirements; The binding agreement between buyer and seller. After both have signed, the deal is essentially done.

S

🇸🇪StämpelskattStamp duty (transfer tax, deed tax): Loan-to-Value and ValuationTaxes and Feesone-time-costvacation-homerequirementshouse; The tax you pay for title registration (1.5% of purchase price) and new mortgage deeds (2% of the amount).

T

🇸🇪LagfartsbevisTitle certificate (deed of title, ownership certificate): Real Estate Lawvacation-homerequirementshouse; Proof that you are registered owner of the property. Important document after purchase.
🇸🇪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.

Z

🇸🇪DetaljplanZoning plan (local plan, detailed development plan): Land and Plotsvacation-homerequirementsnew-constructionhouse; The municipality's plan for what can be built where. Determines if you can extend or build new on your plot.