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The Local _ Finance _ Getting a Mortgage Loan

Posted by: silva 7.Sep.2018, 07:38 AM

Hi!

I'm a 2 year work permit holder and I'm planing to get a mortgage loan from a bank.I would like to clear things before I visit the bank.I get paid almost 30,000SEK before tax and living alone in Sweden.I dont have any loans with banks in Sweden.

My question is ,Do banks grant loans to WP holders? Any loan granters that I need to produce? (I'm hoping buy a house for 800,000SEK)

Thanks!

Posted by: silva 17.Sep.2018, 07:42 AM

Anyone there to answer my question??? unsure.gif

Posted by: wondering_again 17.Sep.2018, 07:57 AM

I bought my first apartment when I was here on WP so that is not the issue.

The issue is how much you will put up as collateral for the apartment and how credit worthy the bank judges you to be.

Good luck !

Posted by: silva 17.Sep.2018, 08:57 AM

Thanks Wondering_again.
I'm planning to visit the bank this month.

Posted by: wondering_again 17.Sep.2018, 11:25 AM

Yes please look around ... also not sure what apartment you will get for 800000...

also please do not buy a newly built apartment and make sure to read the financial documents of the förening

Posted by: silva 17.Sep.2018, 11:48 AM

I'm looking for a house/villa.

Posted by: BlackfDes 17.Sep.2018, 05:10 PM

https://www.hemnet.se/bostader/karta?item_types%5B%5D=villa&location_ids%5B%5D=17691&new_construction=include&price_max=800000

Note the scarcity of villa-type properties around Stockholm priced at 800,000 kr.

Good luck!

Posted by: gsurya 17.Sep.2018, 05:24 PM

QUOTE (wondering_again @ 17.Sep.2018, 10:25 AM) *
also please do not buy a newly built apartment and make sure to read the financial documents of the förening


Why do you advise against buying a newly built apartment? I am quite close to finalizing one from JM, my Swedish friends helped me research the financials, seem quite solid.

Posted by: silva 18.Sep.2018, 06:30 AM

QUOTE
Note the scarcity of villa-type properties around Stockholm priced at 800,000 kr.


I'm from Skane.

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