When securing a home mortgage from SEB, LHV, or Swedbank, the credit approval is strictly calculated against a certified appraisal report complying with EVS 875 standards. An appraisal gap occurs when the listing price exceeds the statistical valuation, leaving a financing shortfall.
EVS 875 appraisal evaluations rely on verified historical transaction records from the Land Board database. Because banks only fund the mortgage percentage of the appraised baseline, any positive variance (appraisal gap) must be fully funded out-of-pocket by the buyer's savings.
Our online simulator allows sellers and buyers to estimate the probability of banking approval prior to notary reservation. Our EKMK certified broker partners ensure your listing aligns with mortgage criteria to mitigate transaction drop-out risks.