Guides
Answers to the questions we are asked most — with figures, not vague advice. Every guide rests on the same calculation model as the comparison.
How much can I borrow?Banks work from what you have left once everything else is paid. Here is how they do it — and how to check before you apply. Read the guide Effective rate versus nominal — what you actually payTwo loans at the same rate can differ by thousands. The difference is in the fees, and only one of the figures shows them. Read the guide Consolidating debt without paying moreA consolidation loan almost always lowers the monthly cost. That is not the same as making it cheaper. Read the guide Borrowing with a betalningsanmärkningA default does not close every door. It makes the loan dearer and the choice narrower — and some lenders will still consider you. Read the guide If you cannot payHow bad it gets depends on how early you make contact. Here is the order things happen in, and what you can do at each step. Read the guide Negotiating your mortgage rateThe list rate is the shop window. The average rate is what the bank's customers actually pay, and the gap is your negotiating margin. Read the guide