How does my employment type and other debts affect my mortgage application in Sweden?

Banks prefer permanent employment ("fast anställning") past probation ("provanställning") for stable income. Temporary employment ("visstidsanställning"), hourly work ("timanställning"), or substitute positions ("vikariat") make it harder. Self-employed ("egenföretagare") need at least two years of financial statements ("bokslut") with stable profits. All existing loans (student loans, car loans, consumer loans, credit card limits) reduce borrowing capacity by increasing debt burden ("skuldbörda"). Payment defaults ("betalningsanmärkningar") make it very difficult – most major banks ("storbanker") will decline outright. Pay down debts and close unused credits before applying to maximize borrowing capacity.