The bank's calculator shows what you can borrow. BoKalk shows what it costs.
Bank tools are optimized for lending — they answer the question "can you afford the loan?". BoKalk answers the question you're actually asking: "what will this home actually cost me?"
Try BoKalkWhat's included in the calculation?
The bank's calculator focuses on interest and amortization. BoKalk includes everything that affects your actual housing cost.
| Cost / factor | Bank's calculation | BoKalk |
|---|---|---|
| Opportunity cost on down payment | Shows what the money could have earned in returns | |
| BRF fee & future increases | Current only | Analyzes the association's finances and debt level |
| Interest rate sensitivity | One scenario | 3, 5 and 7% — see how the calculation changes |
| Maintenance reserve | Budgeted maintenance based on size and age | |
| BRF financial health | Debt level, fee level, and the association's savings | |
| 10-year projection | Amortization, interest effect, and wealth building | |
| True cost vs cash flow | Distinguishes between what costs money and what builds equity |
Opportunity cost on down payment
BRF fee & future increases
Interest rate sensitivity
Maintenance reserve
BRF financial health
10-year projection
True cost vs cash flow
Why it matters
The same apartment — a one-bedroom in Stockholm for SEK 3,000,000 with a BRF fee of SEK 4,500/month — looks completely different depending on which calculator you use.
Interest (net after deduction) + amortization
+ BRF fee, operating costs
Amortization is savings (not a cost), but opportunity cost and maintenance are added
The difference: The bank's calculation shows SEK 9,000/month. In reality, SEK 14,700 leaves your account every month — a difference of SEK 5,700 that the bank's calculator doesn't show. The true economic cost lands at SEK 13,100, since the amortization (SEK 4,250) builds equity, but the opportunity cost on the down payment (SEK 1,900) and maintenance (SEK 800) are added.
Calculated with: price SEK 3M, down payment 15%, interest 3.2%, amortization 2%, fee SEK 4,500/month, operating SEK 1,200/month, maintenance SEK 800/month, opportunity cost 5%.
Why are bank calculators incomplete?
Bank calculators aren't wrong — they answer the bank's question: "Can the customer handle the loan payments?" That's an important question, but it's not the same as "What will the home cost?"
A bank's calculator doesn't need to account for maintenance reserves, opportunity cost, or the housing association's financial health (BRF-hälsa), because those don't affect the bank's credit assessment. But they affect your daily life. Future maintenance, the association's debt level, and the returns your down payment could have generated are just as real as the interest rate — they just don't appear in the bank's tool.
BoKalk fills that gap. Not by replacing the bank's assessment, but by complementing it with everything else that determines whether the home fits your economy.
Your data stays with you
BoKalk never sells your data to lenders. No tracking, no reselling. You pay with money, not with data.
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