VOUCHER
Verification, banks' term for withdrawal and deposit forms.
AMA
Does general materials and job description. Used when you do construction descriptions.
Amortization
Instalments the debt.
Tenders
Offer to enter into a contract. Binding on the bidder, but not when buying property.
Condo
The acquired portion of a building, owned by an association. You pay monthly or annually its share of costs for the association.
Annuity
Long-term loans with low repayments in the beginning. The sum of principal and interest are constant during the entire duration.
Connection
Lease
Grant of land with or without buildings, with some yearly or monthly fee.
RENT IN KIND
Fee. For example lease, rent, taxes or interest payment.
OFF HOOK
Byggnadskreditivet you had at the beginning nybyggnationens, replaced by the first mortgage.
PARCELLING OUT
Sharing of property by new property registration.
Balance Sheet
Recognition of a company / association liabilities, assets and equity at a specific time.
Business Day
Date on which banks are open. The opposite is the bank holiday.
Bank Valuation
Valuation of property in the general market value, for bank lending.
Basic rate
Concepts from the National Insurance Act, follow the annual changes in the price situation.
Inspection
Technical / jordabalks inspection done before most real estate purchases - usually on behalf of the buyer - to ensure that he fulfilled his duty to investigate. Performed only by authorized inspector of liability and solid knowledge in construction.
Leverage Value
Objectively, conservatively estimated market value as the basis for bank lending. There is normally from a valuation basis.
Fixation
The time the loan terms for a loan are unchanged.
Surface Binding
The amount of interest subsidy is calculated on.
Area
Use Area of the living areas. floor area measurement rules from the Tax
Accommodation Cost
An estimated total cost for living in the house or apartment, including interest and operating costs, tax effects and usually with a "left-to-live-for-sum" when everything is paid.
Creditor
Creditors with claims such as banks and building societies.
Guarantor
Whoever put up security for a loan and that becomes liable unless the debtor pays. Can apply up to a fixed sum or to take over all liability (joint and several).
Tenant
Mortgages
Loans with better security in the property or condominium. Normally up to 85% of market value. This type of loan is available with bonded fixed rate.
Use Area
If the surface of a utilization device that is limited by enclosing byggnadsdelars inside. To measure the usable area required a breakdown of each floor in related areas (full definition of the concept is much broader).
Fixed rate
Interest is fixed at a set rate for a given time.
Building permits
Required in principle for all new construction or remodeling. The new Planning and Building Act is called the demolition, marklov and building permits. Available from the municipal building.
Building Department
The municipal agency considers matters relating to building permits and planning questions.
Local plan
Controls design of an area in detail. Map + written plan descriptions.
Latent defects
Failure of property, not the buyer, its detailed study could discover or should have anticipated because of the building age, condition or price. The seller can then become responsible for them.
Operating Expenses
Eg Heating, electricity, water, cleaning, sweeping, collective, insurance, etc.
Killing
For mortgages, easements, etc.. If the mortgage has been lost is the application for killing of same to the appropriate district court so that it can be removed from the property book.
The effective interest rate
Used to compare different loans. All fees are expressed as annual interest.
Entrepenad
When a company hired to perform work in whole or in part thereof.
Executive sales
Forced selling by the enforcement agency.
Expropriation
State or municipal compulsory purchase of property or piece of property.
Property
Real estate is recognized in the land register as an independent legal entity.
Property Description
Real estate agent facts about the property obtained from government agencies, banking and local government and vendor information on the condition of the property, costs, etc.
Fastighetsbok
The district court's register of all properties in the district stating the legally qualified owners, easements, mortgages, etc.. Replaced now by surveying the work center property registers.
Land Records
Lantmäteriets list of all properties with information on the area, official easement mm. See also the enrollment register.
Property Tax
Expires annually on all properties.
Free basic
Land with ownership.
Maturity
Date on which interest and principal on the loan is due.
PRE-EMPTION
The municipality may, under certain conditions to enter the buyer's place when a property is sold.
Mediation Mission
Seller's written orders to the real estate agent to mediate a sale of the dwelling. However, it is still only vendor that can provide for a sale to take place.
Acquisition
Required in certain cases, such when the buyer is a foreign citizen, the acquisition of second homes in vulnerable areas, or on the acquisition of agricultural or rental property.
Guaranteed interest
The guarantee from the state that the borrower's interest rate on a fixed basis not to exceed a certain level of older bidragdregler.
Street Building Cost
Charges an owner, prior to 1982 paid to the City for part of the street.
Street Cost
A common and extended the concept since 1982, replacing street-street and the building cost allowance before 1982
paid to the municipality for the land required in front of the lot.
Joint facility
A plant that is common to several properties. Eg sewage, heating, etc.
CERTIFICATE OF SEARCH
Written excerpts from the Land Register stating the legally qualified owners, aside mortgages, registered rights, etc.
Grava Conditioner
Loads, such as easements or rights of mortgage deeds / mortgages, etc.
Debtor
The indebted person (the borrower).
Hemule
Older words for the obligation to demonstrate that it is the right owner of the property.
Mortgage
Security, deposit required for bank loans.
Mortgage Institute
Specific lenders for real estate lending. Does not conduct banking business in general. Provides loans with fixed interest rates and longer repayment period.
Mortgage
Mortgages in the building society or institution.
Enrollment
Note in the Land Register if such new owners, easements, etc.
Enrollment Records
Replaces the Land Register and Land Registry to a large extent. Managed by the Land Survey Authority.
In mode
Pledge letters preferential position over other mortgages on the property.
Land Registration Authority
Court such a land title, and the recorded mm.
Mortgage
Older term for the pledge letter, and the enrollment process for the mortgage.
Code of Land Laws
Law governing legal issues relating to property.
Exoneration
A preliminary alignment of provisional tax to the estimated tax. Applications are made by local tax authorities.
Detached House
Paired single-family homes, usually with a garage or storage building.
Cost of Capital
Cost for interest and principal on a loan.
Cleavage
Sharing of property for new devices.
Purchase contract / agreement
The purchase document in which certain formal requirements must be met before the purchase to be valid and binding between the parties. In it also regulates the conditions of the purchase.
Bill of sale
Receipt of final payment to a house purchase and containing certain formal requirements. In this action looks for the normal title deeds for the new owner and is proof that your purchase is complete.
Title deed
Registration of ownership in the Land Register. The title deeds are subject to various rights.
Settlement
The final financial settlement between buyer and seller. Established in the normal real estate broker on the closing date, and advantages including interest on assumed loans etc.
Loan Picture
Compilation of existing loans and their terms.
Maturity
The time within which the loan must be repaid.
Marginal
The tax you pay on the last one hundred patch of your income.
Market rates
The interest rates are applicable on the loan market.
Notariatlån
Loans from private individuals or companies that are guarded by a bank trust department.
Access rights
Lease, rent or lease of various kinds of personal or business. Limited time. Engineered for the property. See easement.
Enterprise Property
Property which is not attributable to a private.
Cover Reverse
Debt to specify conditions and pledges. Is that wrap around the pledged mortgages.
Mortgage
A proof that the mortgage on a property granted.
Permanent Housing
Property which is inhabited year round. The deferral of capital gains in that you have resided at least one year before the sale, or three of the last five years in the home.
Private residence
Real estate, land or housing which is predominantly used or intended to be used as the owner or a family permanent or vacation home.
Straight-line amortization
The loan is repaid in equal installments throughout the loan period.
Capital gain / loss
The taxable profit or tax credit eligible loss arising on sale of property or other property.
Relaxation
Lift-off of the mortgage / mortgages that are charged to a property.
Reverse
Debt Obligation that specifies the loan amount and terms.
Interest subsidies
Grants covering part of the interest cost of new houses. Make a guaranteed rate.
Floating rate
The interest rate changes with market interest rates.
Consent
Eg spouse's or partner's approval of the transfer.
RELATIONSHIP
Association of real estate for example, maintenance and operation of common facilities.
Serielån
Long-term loans, which paid off after a predetermined plan. Amortization ratio increases gradually with each conversion stage.
Easement
The duration of tenure of the right of property in favor of another. Can e.g. valid right of way or water in the well, the beach etc.
Strain Property
Real estate from which your plot is avstyckad.
State housing
Government loan which was granted until 1992 for new construction, and renovation of homes.
Stamp duty
Known generally deed cost. Is also levied when a mortgage is taken out.
Promissory
Debt Obligations of the buyer to the seller who signed the purchase.
Sell Description
Provided by the real estate agent. Contains data on housing as the broker collected and sought, inter alia, from government agencies, banks, associations and seller.
Tax certificates
Available from local tax authority, showing taxeringskod (type of use of the property) and accorded the assessed value.
Assessed
The basis for property taxation.
Starting Date
The day the deed is written, the buyer assumes responsibility for the property and final payments are normally made.
Leasehold
Transfer of property on a rule 60 years of state or local government against the annual fee (RENT IN KIND). Avgälden regulated at certain intervals, usually every 20 years.
Second Mortgage
Loans with less security in the property or condominium. Normally up to a maximum of 100% of market value. This type of loan is the bank and can normally only available with a variable interest rate.
Investigation Duty
The buyer's obligation to thoroughly investigate every available piece of property with its buildings. The seller can not be held liable for any errors that the buyer should have discovered.
Accrued Interest
The interest rate on a loan relating to a period to date.
Duty to provide information
Seller's obligation to disclose to the buyer and point to circumstances in relation to property that a buyer has a right to know before you buy.
Deferral of Deductions
Deferral of payment of the tax on the sale of a private residence that has been a primary residence, when it acquires new private residence and intend to settle there.
Villa Home Insurance
Combined insurance on houses and personal property in the home.
Safety Certificate
Replaces the tax certificate if the property is not taxed independently. Issued by the surveyor.
Valuation
Made by the appraiser or estate agent before the sale and / or at nybelåning of property, tenant, etc. Determine the maximum loan value.
Ownership Mortgage
The part of the pledge / mortgage certificate that is not required as collateral for the loan when such amortized down. This excess is accruing to the owner of the property.
Over Mortgage
Designation for when ägarhypoteket pledge prescribed for loans.
Over Interest
Additional interest charged due to late payment
