inteckningsbelopp

Inteckningsbelopp is a term used in Swedish real estate to describe the total amount of mortgage liens registered against a property. It represents the sum of the belopp of all pantbrev (mortgage certificates) that are active for the property and serves as the maximum secured debt that lenders can place on the property. The inteckningsbelopp is recorded in the land registry maintained by Lantmäteriet and can influence how much a borrower may borrow against the property.

A pantbrev is an instrument that evidences a mortgage on a property. Each pantbrev has an individual belopp and number. The combined belopp of all active pantbrev constitutes the inteckningsbelopp for the property. When a loan is repaid or a mortgage is cancelled, the corresponding pantbrev may be removed from the register, which can reduce the total inteckningsbelopp.

In practice, the inteckningsbelopp sets the lending capacity tied to the property. Lenders use it to assess collateral and determine how large a new loan can be secured by the property. If additional borrowing is needed and there is unused capacity, a new pantbrev can be issued up to the available inteckningsbelopp. Conversely, paying off or cancelling a mortgage can decrease the inteckningsbelopp.

For property owners and buyers, the inteckningsbelopp indicates the ceiling for secured debt tied to the property. It is important to review the current inteckningsbelopp in the official property register to understand existing encumbrances and potential borrowing opportunities. See also pantbrev, inteckning, fastighet, and Lantmäteriet.