How do I handle a bridging loan in Sweden if I buy before selling my current home?
A bridging loan ("överbryggningslån") covers the gap while waiting to sell your current home. You pay interest but don't amortize ("amortera"), and the loan is repaid when the sale goes through. The bank requires that you have a buyer lined up or values your current home to assess risk. Bridging loans ("överbryggningslån") are relatively expensive and there's risk if your home becomes hard to sell. Ideally, coordinate handover dates ("tillträdesdatum") to minimize the overlap period, or have a realistic plan for managing double housing costs ("boendekostnader").