Welcome to FT and best of luck with getting this worked out.

In the larger picture, I wouldn't be surprised if the Swedish bank executives have been told to expect and plan for a big financial shock sometime in the next handful of years since household debt levels in Sweden are out of control and housing prices are just waiting to have their bubble pricked and leak 20-30% when interest rates get pushed up and financing the mortgage and other installment debt becomes tougher on those leveraged households and others.