You can apply for a mortgage when you plan to buy a house, cooperative apartment or vacation home. A mortgage is also a good idea if you are planning to renovate a property you already own or want to move a loan you have with another bank to us.
You will need a Swedish personal identity number. The bank then checks your household's finances and calculates how much money you can borrow in order to maintain a functioning economy. When you are granted a loan with the bank, you also receive an account which your loan payments are drawn from.
This is arranged through a mortgage deed on your property.
It is exciting to purchase a new property, even if there is a lot to think about. Here, we go through the steps that you can expect to experience in the event of a property purchase.
Think about how you want to live, which area you want to live in, and what is important for you and your family in a property. Make a rough calculation and see what your living costs will be. Then you will know what you can afford.
Remember to factor in costs such as electricity and property tax and remember to leave a margin for interest rate increases. Consider how much of the household budget can go towards the property – life is so much more than just a property.
When you have a loan with us, you can view the current terms and conditions for your interest and amortisation via Mina sidor and in the mobile app. Here you can also opt for a fixed interest rate for a three-month contractual period or extend your loans when it is time. The only thing you will need is a BankID.
We offer mortgages in Swedish kronor (SEK). If you receive your salary in another currency, you need to be aware that this can entail an exchange rate risk for you.
Our "Bo kvar" insurance protects you should the person you live with fall ill or die.
Read more about Bo kvar insurance (in Swedish)
