How do I handle the final mortgage processing in Sweden and what documents are needed?

You need identification ("legitimation"), recent payslips ("lönespecifikationer") (usually 3 months), bank statements ("kontoutdrag"), information about existing loans and credits, and employment verification ("anställningsbevis") for new jobs. Self-employed ("egenföretagare") need financial statements ("bokslut") and tax returns ("deklarationer") for 2-3 years. After contract signing ("kontraktsskrivning"), the bank completes assessment by valuing the home and checking association finances for co-ops. You sign the loan agreement ("låneavtal") and pledge documents ("panthandlingar"). The bank prepares disbursement for handover day ("tillträdesdag"). A loan promise ("lånelöfte") usually takes 1-2 days with complete documentation, while final processing takes 1-3 weeks.