Mortgage loan

Do you want to apply for a mortgage?

You are welcome to apply for a mortgage with us. If you want us to help you in English, please give us a call, or visit any of our offices.

You can also apply online (only avaliable in Swedish).

Apply online

About mortgages

Take out a mortgage

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.

What you need to take out a loan

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.

We require security for your mortgage

This is arranged through a mortgage deed on your property.

About our mortgages

Provisions regarding our mortgages

You can borrow up to 85 percent of the property's market value.
Your own contribution needs to be at least 15% of the property price.
You can take advantage of a fixed interest rate on the loan for a period of anything from 3 months to 10 years.

Further information on mortgages

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.

Example calculation – mortgage repayment

You purchase a property for SEK 1 million.
Your own contribution is 15 percent, i.e, SEK 150 000, and you loan SEK 850 000.
The amortisation is 2 percent of SEK 850 000, i.e, SEK 17 000 per year or SEK 1 417 per month (number of amortisation payments when choosing monthly amortisation: 360).
If you follow the amortisation plan, you will have amortised SEK 510 000 over the duration, which is 30 years, and have a remaining debt of SEK 340 000.

Live comfortably after your property purchase

Our "Bo kvar" insurance protects you should the person you live with fall ill or die.

The property insurance is valid from the first day and protects you if something should happen.
It provides financial security for you and your family in the even of illness, unemployment or death.

The market value is the price that a buyer is willing to pay. The market value is normally set by a professional property valuer who bases their assessment on a number of factors such as location, standard, whether it is a freehold property, etc.

Hjälpte det här svaret dig?
If several people are interested in buying the same property, a bidding process often occurs. Bidding can be conducted in a number of different ways depending on what the estate agent and the seller of the property have agreed on.

Hjälpte det här svaret dig?
Amortisation means paying off a loan by making incremental payments each month. This is known as amortising the loan.

Hjälpte det här svaret dig?
When you go look at a property, having a loan commitment with you is a good idea. Having it ready and on hand means you will be able to act fast. A loan commitment shows how much you are able to borrow from the bank. It is calculated based on the household’s finances and is based on the assumption that all of the information you have submitted is correct and that you are able to repay the loan.

Hjälpte det här svaret dig?