What do I do if I temporarily can't afford my mortgage payments?

Contact the bank as soon as you notice there might be a problem – they'd rather help early than late. You can apply for temporary amortization relief ("amorteringsfrihet") to reduce your monthly payment while you sort out the situation. The bank may also offer to extend the loan term ("lånetid") or provide another temporary solution. Avoid starting to miss payments without talking to the bank first, as it can result in payment defaults ("betalningsanmärkningar") and make the situation worse.