| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | loan applications | Sweden | Loan applications are often digitally processed with minimal paperwork and bureaucracy. | 1 |
| 2 | money lending | Sweden | Strict regulations and low interest rates in the lending industry | 1 |
| 3 | mortgage | Sweden | Less common due to strong preference for paying in cash | 1 |
| 4 | mortgages | Sweden | Low loan-to-value ratios are the norm | 1 |