How do I avoid ending up in financial trouble after buying a home in Sweden?

Borrow less than you're approved for – bank approval doesn't mean you should borrow that much. Have a buffer for unexpected expenses and rate increases. Calculate housing costs ("boendekostnader") with 2-3 percentage points higher interest to stress your budget. Keep at least 3-6 months of living expenses ("levnadskostnader") in savings after purchase. Avoid other loans simultaneously with the mortgage ("bolån") and be careful about lifestyle inflation. Monitor your finances regularly and contact the bank immediately if problems arise – they'd rather help early.