Finance your real estate project

Purchase, construction or renovation. Solutions adapted to your needs with competitive rates.

Apply for a Loan Simulate
100 000 KR
Minimum
90 000 000 KR
Maximum
25 years
Max term
Financing example
Amount
3 000 000 KR
Term
15 ans
Rate
2.95%
Monthly payment
20 750 KR

Eligibility Conditions for a Real Estate Loan

Age

21 to 70 years (loan ends before 75 years)

Employment status

Permanent contract, civil servant, self-employed or liberal profession

Minimum Income

KR 25 000 net per month

Debt ratio

Maximum debt ratio of 35% (including insurance)

Type of property

Primary residence, secondary residence or rental investment

Residence

Sweden, Norway, Denmark or European Union

Prêt immobilier

Required Documentation for a Real Estate Loan

  • Valid ID
  • Proof of address (-3 months)
  • Sales agreement or compromis
  • Latest tax returns (3 years)
  • Last 3 payslips or financial statements
  • Bank statements (last 6 months)
  • Bank account details (RIB/IBAN)
  • Property study (technical diagnostics)

What Can Your Real Estate Loan Be Used For?

Finance all your real estate projects

Primary Residence Purchase

Buy your first home or move to a new house.

Rental Investment

Buy to rent and generate additional income.

Construction

Build your house from A to Z on a plot of land.

Renovation

Renovate, extend or modernize your home.

Credit Buyback

Buy back and consolidate your real estate credits.

Secondary Residence

Buy a holiday home or a pied-à-terre.

Frequently Asked Questions about Real Estate Loans

Answers to the most asked questions about real estate financing

The average time is 4 to 6 weeks between the application and the disbursement of funds. This may vary depending on the complexity of the file and the speed of document provision.

Required documents include: ID, proof of address, last 3 payslips, tax returns (3 years), sales agreement or compromis, bank statements (6 months) and RIB/IBAN.

The maximum debt ratio is 35% (including insurance). This ratio is calculated by dividing your charges (credit payments) by your net monthly income.

The minimum personal contribution is generally 10 to 20% of the property value. A higher contribution can help you get better rate conditions.

Yes, we finance rental investments. Rental income can be taken into account for calculating your borrowing capacity, under certain conditions.

Yes, borrower insurance is mandatory for a real estate loan. It guarantees loan repayment in case of death, disability or incapacity to work.

How It Works?

4 simple steps for your real estate financing

1
Online Request

Fill out our form in minutes. Simple, fast, no obligation.

2
File Review

Our experts analyze your real estate project and borrowing capacity within 48h.

3
Personalized Offer

You receive a detailed proposal with rate, term and adapted monthly payments.

4
Funds Disbursement

After signing, funds are disbursed for your real estate project.