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Here you register whether collateral is to be taken out in the form of a property mortgage. If the bank has a module "Import of collateral data" (Sweden only 2023-11-30), you can import the information from third parties, eg Metria. If bank doesn't have Import of collateral data enter data manually.

Mortgages:

  • Here you register all mortgages (mortgage deeds) that have been taken out and for those that other banks have a first-hand mortgage on you enter “No” as first-hand mortgage (Primär pant in picture below) and where you take Överhypotek, you tick the ÖH box.

  • If the bank has Import functionality you can import the data from third-party supplier i.e Metria

  • The service automatically calculates the collateral value of the property mortgages according to established rules at a bank.

  • If it is to be changed so that you can count on a higher or lower "Assumed value" that affects the Collateral Value, click on the padlock and fill in the percentage to be counted.

  • Write a comment if there is something specific that needs to be highlighted around this particular collateral.

  • If the property mortgages are for several properties, click on "Add property" and you can fill in mortgages for several different ones.

The comment field is optional to fill in but can be good to clarify if there is something specific you want to highlight with this particular collateral

Picture Swedish and Finnish version of Real estate mortgage

Picture Norwegian version of Real estate mortgage