Guides
Short guides to loans, costs and what to do if something goes wrong, for the Swedish market.
Borrowing How much can I borrow?
Banks look at what you have left once everything else is paid. This is how they do it, and how to work it out yourself before you apply.
Costs Effective vs nominal interest rate: what you pay
Two loans with the same rate can differ in cost by thousands of kronor. The difference is in the fees, and only one of the figures shows it.
Borrowing How to consolidate loans without paying more
A consolidation loan almost always lowers the monthly cost. That does not mean it costs less in total.
When money is tight Borrowing with a payment remark: what applies
A payment remark narrows the choice but does not rule out every lender. Those that still assess you charge a higher rate. When money is tight