My house build journey : StartBesked (Start Message)

Finally, I received my start message.

There is at least one bank in Sweden who looked at things objectively and was able to provide byggnadskreditiv (building credit).

Previous articles at

1. My house build journey : Location
2. My house build journey : Design
3. My house build journey : Building permit
4. My house build journey : Technical Consultation
5. My house build journey : Stalled by Bank Bureaucracy

I sent them my produktionskalkyl (production cost calculations) which includes the cost breakdown of everything from downpayment, buffers, contract amounts for all the work and explained the build process a bit and waited with crossed fingers 🤞. They came back with a positive response and gave a lånelöfte (loan promise). After this step there was förhandsvärdering (pre-evaluation). The bank or their partner real estate broker analyse the property and come up with how much it is worth. I had to send more details such as neighbourhood map, site map, construction drawings, approved building permit. The pre-evaluation result should be closely comparable to my production cost calculations. I had my fingers crossed again🤞 . It took about 2 weeks but finally got a positive answer on this as…