Loan documents – a guide

“Val av lånevillkor” means “Loan terms”
”Välj amorteringsbelopp” means ”Select the amount you want to amortize every month”
”Välj hur och när lånet ska betals ut” means ”Select how and when you want the loan to be paid out”

Amortization per month

Here you need to fill in the amount you want to amortize every month. You can see your monthly amortization requirement under ”Välj amorteringsbelopp”, in other words the minimum amount you need to pay off on your loan every month. If you want to amortize a higher amount than the amortization requirement, it is of course fine.

If you don’t have any amortization requirement, you can see that here as well. In that case, the amount you choose to amortize is voluntary. If you don’t want any amortization - write 0 kr.

Have you divided your loan in multiple parts?

Most often our customers divide their mortgage into multiple parts and choose to place the amortization on one loan part. If you want to do the same, fill in the whole amortization amount on one loan part and leave the other ones blank.

If you want to divide your amortization into several loan parts, fill in how much you want to amortize on each loan part. When you are done feel free to check that the total amortization amount is at least as large as your amortization requirement.

“Val av lånevillkor” means “Loan terms”
”Välj amorteringsbelopp” means ”Select the amount you want to amortize every month”
”Välj hur och när lånet ska betals ut” means ”Select how and when you want the loan to be paid out”

Choice of flexible or fixed interest rate

For us being able to approve this document and pay out your loan, you must make an active choice between a fixed interest rate or a flexible interest rate.

Check the box for the type of interest rate that you want for each specific part. As an example, you can choose to have your loan on a flexible rate (“3 mån”) or a fixed rate of 1 year, 2 years, 3 years, 4 years or 5 years.

With multiple loan parts

Don’t forget to check the box regarding the type of interest rate you want for each loan part, even if you want the same type of interest rate for all the loan parts.

Här ska du skriva vilket konto du vill få pengarna utbetalt till. Ange först clearingnummer, det brukar vara de fyra första siffrorna i kontonumret. Skriv sedan kontonumret på andra raden.

“Val av lånevillkor” means “Loan terms”
”Välj amorteringsbelopp” means ”Select the amount you want to amortize every month”
”Välj hur och när lånet ska betals ut” means ”Select how and when you want the loan to be paid out”

Preferred day of payment

Choose if you want a specific date “Detta datum:“, or if you want the loan to be paid out as soon as possible “Snarast”.

If you choose a date close to today’s date or as soon as possible, we will pay out the loan as soon as we have all the signed loan documents. We are only able to pay out loans on business days.

Consent to withdrawals

This part of the document is only applicable if your deposit or other parts is not fully paid. If you do not need to transfer anything, this part of the document is not included.

Enter your savings account number at SBAB to approve that we have your consent to withdraw your deposit. You can find your account information when you are logged on to sbab.se or via the SBAB app. If you don’t have a savings account at SBAB, you can open one via this link and by signing with your BankID. After signing you will get an account directly.

“Val av lånevillkor” means “Loan terms”
”Välj amorteringsbelopp” means ”Select the amount you want to amortize every month”
”Välj hur och när lånet ska betals ut” means ”Select how and when you want the loan to be paid out”

Deposit to account

If there is money to be paid out to an account or if there is anything left after any transaction, we need to know which account we are going to transfer the money to.

Enter your clearing- and account number for the account that you want us to transfer that money to. You can find this number when you log into your bank or by looking at a bank statement for that account. You can also get in contact with your bank to find out what your account number is.

Date and signature

Write the year, month and day that you sign the document.

If there are multiple people applying, then everybody must sign the document.

For us to be able to approve the document, an ink-pen must be used.

Remember that if you printed the loan documents yourself, the text below the signature box must be on the document. If this text is not visible on the printed version, you must print the document again.

Signature

You as a property owner/leaser must sign here. If there are multiple people who owns the property everybody must sign at their printed name.

Date and signature

You as the owner/buyer of the apartment must sign this part of the document, write the date of signing and sign with your name. If there are multiple people that own/buy the apartment together, everybody must sign above their name.

In your loan documents there are two identical documents named “Meddelande om pantsättning”, remember to sign both documents and send them to us with the rest of the documents.

When we have received the documents, we will be in contact with your housing association to make sure they know that you have a mortgage with the apartment as collateral security.

For the housing association

You do not have to do anything with this part of the document. You must only sign the top part on both copies, and send them to us with the rest of the documents. That’s all that you have to do.

Date and signature

You as the owner/buyer of the apartment must sign this part of the document, write the date of signing and sign with your name. If there are multiple people that own/buy the apartment together, everybody must sign above their name.

In your loan documents there are two identical documents named “Meddelande om pantsättning”, remember to sign both documents and send them to us with the rest of the documents.

When we have received the documents, we will be in contact with your housing association to make sure they know that you have a mortgage with the apartment as collateral security.

For the housing association

You do not have to do anything with this part of the document. You must only sign the top part on both copies, and send them to us with the rest of the documents. That’s all that you have to do.

If you want to connect the invoice for automatic payment

If you wish to have an automatic payment for your loans you must write the personal number of the account holder here. If the account has multiple users, you must only write one personal number of any of the account holders. If there are multiple holders for the account every account holder must sign at the bottom of the document.

The account holder and borrower must be the same person. It is not possible to have an automatic payment for your loans connected to someone else’s account.

Remember to check the box to confirm that the loan numbers below are to be connected to automatic payment.

It is also possible to connect an SBAB-account for the automatic payment.

Choose an account from which the money will be drawn from

Here you choose which account you want the money to be withdrawn from. If you want the money to be withdrawn from an account in a different bank (automatic payment) you check the top box and fill out your account number. If you want the money to be withdrawn from an account at SBAB you check the bottom box and fill out your account number at SBAB.

It you choose automatic payment; you have the option to combine it with a digital invoice. It is not possible to combine a digital invoice with an automatic payment at SBAB.

Connect to a digital invoice at another bank

If you want to connect your loan to a digital invoice, you must check this box. If you check this box, we will send all your invoices to your other bank.

Fill out your personal number and the name of the bank you wish to use. It is not possible to use an account at SBAB.

Combined automatic payment and digital invoice

If you have connected your loan for automatic payment and want to combine it with a digital invoice, check this box. The money will be withdrawn from the account that you have selected, and the invoice will be sent to your bank.

Remember to fill out “Anslut till Autogiro eller SBAB-giro” and “E-faktura” on the document. It is not possible to combine automatic payment at SBAB with a digital invoice.

If you don’t want to connect your loan to a digital invoice at your bank, we will send a digital invoice to Kivra, if you’re not connected to Kivra we will send you a paper invoice instead.

Account holders signature

Every account holder for the given account must sign this part of the document. After this document is filled out send it back to us so we can register the information.

Deposit at account

It is important to fill out the account that you want the money to be paid out to. Please write your clearing and account number.

If you are borrowing for your cash deposit when buying a house/apartment, most often you do not have to fill out this part. This is because we usually do not pay out money when you´re buying a new house/apartment, the payout is made to the seller. If you are unsure what’s right in your specific situation it is always better to write your account number here.

Date and signature

Enter the year, month and day that you sign the document. If there are multiple people applying for the loan, everybody must sign this document.

For us to be able to approve the document, the signature must be written with an ink-pen.

Kundkännedom

Det här är blanketten med Kundkännedomsuppgifter. Den innehåller frågor som alla banker enligt lag måste ha svar på, bland annat för att få betala ut ett lån. Du kan med fördel besvara frågor via vår app eller på internetbanken, logga in med BankID i appen eller på sbab.se och besvara frågorna där. Då behöver du inte fylla i och skicka tillbaka den här blanketten. Besvara alla frågor och avsluta med att signera.

Har du inte möjlighet att besvara frågorna via appen eller webben så kan du naturligtvis fylla i dokumentet och returnera det till oss. Det är viktigt att du läser igenom och besvarar samtliga frågor. Många glömmer att besvara frågan om man är en person i en politisk utsatt ställning, om du undrar vad som menas med den frågan så finns det en förklaring om detta längst ner på första sidan.

Om du har en egen firma får du inte glömma att fylla i delarna med info om företaget, dvs bransch, företagets namn och organisationsnummer. Kom ihåg att signera handlingen innan du postar den till oss.

Många undrar också vad skatterättslig hemvist innebär, och det är det eller de länder där du betalar skatt och deklarerar din inkomst. Du behöver alltså fylla i ett eller flera länder, där detta är aktuellt för dig.

Power of attorney (proxy)

This proxy gives us permission to gather the information we need to be able to repay your loans at another bank. We need this document signed to be able to move your mortgages to SBAB. The document states which bank you have today and which loan number you have.

Control your loan numbers. If the loan numbers are wrong on the document, you can cross it out and write down the correct loan numbers.

Do not forget to sign the document with your name and date.

Insurance

This part is only visible if you are mortgaging a property. Before you sign the note of debt, you need to specify which insurance company you have chosen to insure your home at. If you not yet have signed an insurance, you can specify the insurance company you are going to choose.

You also need to select whether you have full value insurance or not. If you do not have full value insurance, you need to specify the amount you have insured your home with instead.

Good to know: If you do not have full value insurance, your insurance amount needs to be at least as large as your mortgages on the home. If you are unsure about what applies in your insurance, you can find the information by contacting your insurance company.

Date and signature

All the borrowers must sign with name and date here. If you have divided your loan into multiple parts, you have a note of debt for each part and you must sign for every part. Every note of debt also has a copy for you to keep. Sometimes this document can be two pages long, then every borrower must sign both pages.

Approval of pledge

This part is only visible if you are buying an apartment. If there are multiple people living in the apartment, it is important that they sign the document, even if they are not one of the borrowers. The reason for this is that everybody living in the apartment must approve that a loan is taken with the apartment as a security. Sometimes this document can be two pages long, in this case this person would have to sign both pages.

Check that your name and contact information are correct on the document, then choose the insurance that you want.

Begin by checking that we have stated the correct information, if there is any information missing, fill it out yourself.

On the document, you can see the loans that you have the possibility of insuring. if there is no loan number you can fill it in. Next to every loan part you get the option to choose which insurance you want (income and/or life), and if you want the insurance to cover 50% or 100% of that loan part. You can choose how much protection you would like to get; this determines how much you are able to get in compensation in case something happens.

If you want the income insurance, you must check the box next to “Är du fullt arbetsför?” to confirm that you are able to work fulltime.

Health declaration for Life Insurance

If you are applying for a life insurance, you must fill out this health declaration.

Automatic payment

Here you must fill out the account number of the account you want the money to be taken from. It is Important that the insurant is also the main account holder on the account given. It is mandatory to fill out your clearing and account number as this insurance can only be paid via automatic payment. Don´t forget to sign with your name and date.