1. Chart your own financial position Determine your income, expenses and assets. This way you will know how much money you can spend on housing expenses and buying an apartment.Everyone’s situation is always uniquely assessed at the bank, and many things will affect your ability to get a housing loan. These include, for example, your income, expenses, liabilities, savings and collateral.The most important thing is that your ability to repay the loan is in order. In addition, you will need your own savings or other collateral. For us, it is important that the loan suits your life in such a way that you can also do other things that are important to you and prepare for the future in a smart way.