{"product_id":"skuldebrev-utan-amortering-2026-2027-privatlan-med-slutbetalning-excel-word-pdf","title":"Promissory note without amortization 2026\/2027 – Personal loan with balloon payment \u0026 Excel | Word\/PDF","description":"\u003csection class=\"mb-document-description\" lang=\"en\" style=\"color:#183A49;line-height:1.7\"\u003e\n\u003ch2\u003ePromissory Note without Amortization – Word, PDF, and Excel 2026\/2027\u003c\/h2\u003e\n\n\u003cp\u003eDo you need to write a \u003cstrong\u003epromissory note without ongoing amortization\u003c\/strong\u003e for a one-off private loan? The package contains separate templates for a simple promissory note with a \u003cstrong\u003efixed final maturity date\u003c\/strong\u003e, a promissory note payable on demand, an interest-free and amortization-free loan, a disbursement receipt, and a final payment receipt. You also receive Swedish and English guides and an Excel register for loan administration.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eDigital delivery:\u003c\/strong\u003e 15 files: 7 editable Word (DOCX), 7 corresponding text-searchable PDFs in A4, and 1 Excel (XLSX). Five main documents in Swedish, a Swedish user guide, and an English User Guide. \u003cstrong\u003eNo English main agreement template is included.\u003c\/strong\u003e\u003c\/p\u003e\n\n\u003caside style=\"border:1px solid #E5CF9E;border-left:5px solid #B88A35;padding:18px 20px;border-radius:13px;background:#FFF7E8;margin:20px 0\"\u003e\u003cstrong\u003eImportant – amortization-free does not mean repayment-free.\u003c\/strong\u003e If no ongoing amortization has been agreed upon, the debt must still be repaid on the determined due date or upon demand in accordance with the applicable agreement and Section 5 of the Promissory Notes Act. An interest-free credit during the loan period is not automatically exempt from default interest. This package is primarily intended for individual loans between private individuals, not for banks or professional consumer lending.\u003c\/aside\u003e\n\u003cnav style=\"background:#E9F4F5;padding:13px;border-radius:10px\"\u003e\u003cstrong\u003eContents:\u003c\/strong\u003e \u003ca href=\"#mb-amort-paket\"\u003ePackage\u003c\/a\u003e · \u003ca href=\"#mb-amort-filer\"\u003eFile by file\u003c\/a\u003e · \u003ca href=\"#mb-amort-excel\"\u003eExcel\u003c\/a\u003e · \u003ca href=\"#mb-amort-guide\"\u003eHow to do it\u003c\/a\u003e · \u003ca href=\"#mb-amort-juridik\"\u003eLegal\u003c\/a\u003e · \u003ca href=\"#mb-amort-faq\"\u003eFAQ\u003c\/a\u003e\u003c\/nav\u003e\n\u003cdiv id=\"mb-amort-paket\" style=\"background:#EAF4F5;border:2px solid #B9D9DC;border-radius:13px;padding:20px;margin:20px 0\"\u003e\n\n\u003ch2\u003e01. Package contents\u003c\/h2\u003e\n\n\u003cp\u003e\u003cstrong\u003e15 digital files\u003c\/strong\u003e in a ZIP: 7 DOCX, 7 searchable PDFs, and 1 XLSX. Five separate Swedish legal documents, a Swedish guide, and an English User Guide. Delivery is digital; no physical shipping or subscription.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eVersion:\u003c\/strong\u003e 1.0 \/ 2026–2027. \u003cstrong\u003eEditorial legal source review:\u003c\/strong\u003e October 16, 2026. The year 2027 is not a guarantee against future legislative changes. The documents are not official government forms or externally lawyer-approved.\u003c\/p\u003e\n\n\n\u003c\/div\u003e\n\n\u003cdiv id=\"mb-amort-filer\" style=\"border:2px solid #D1E2E5;border-radius:13px;padding:20px;margin:20px 0\"\u003e\n\n\u003ch2\u003e02. What the files contain – document by document\u003c\/h2\u003e\n\n\u003cdiv style=\"overflow-x:auto\"\u003e\u003ctable style=\"width:100%;border-collapse:collapse\"\u003e\n\n\u003cthead\u003e\u003ctr style=\"background:#173849;color:white\"\u003e\n\n\u003cth style=\"padding:11px;text-align:left\"\u003eDocument\u003c\/th\u003e\n\n\u003cth style=\"padding:11px;text-align:left\"\u003ePurpose and content\u003c\/th\u003e\n\n\u003cth style=\"padding:11px;text-align:left\"\u003eFormat\u003c\/th\u003e\n\n\n\u003c\/tr\u003e\u003c\/thead\u003e\n\n\u003ctbody\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #D8E7E9\"\u003e\u003cstrong\u003e01. Promissory note with fixed due date\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #D8E7E9\"\u003eSimple promissory note without ongoing principal amortization; the entire remaining amount is paid on a specific day.\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #D8E7E9\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #D8E7E9\"\u003e\u003cstrong\u003e02. Promissory note payable on demand\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #D8E7E9\"\u003eSimple promissory note without an agreed due date; repayment upon request according to Section 5 of the Promissory Notes Act.\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #D8E7E9\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #D8E7E9\"\u003e\u003cstrong\u003e03. Interest-free, amortization-free loan\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #D8E7E9\"\u003eSeparate template with zero agreed credit interest before the determined due date.\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #D8E7E9\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #D8E7E9\"\u003e\u003cstrong\u003e04. Disbursement receipt \u0026amp; capital appendix\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #D8E7E9\"\u003eVerify actual disbursement and deviations from the agreed loan amount.\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #D8E7E9\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #D8E7E9\"\u003e\u003cstrong\u003e05. Final receipt \u0026amp; amendment agreement\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #D8E7E9\"\u003eTwo clearly separated options for actual final payment or changed terms.\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #D8E7E9\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #D8E7E9\"\u003e\u003cstrong\u003e06. Swedish user guide\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #D8E7E9\"\u003eDocument selection, ten steps, due date, interest, prescription, and 2026 legislative changes.\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #D8E7E9\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #D8E7E9\"\u003e\u003cstrong\u003e07. English User Guide\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #D8E7E9\"\u003eEnglish guidance on the Swedish main documents, not English agreement templates.\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #D8E7E9\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #D8E7E9\"\u003e\u003cstrong\u003e08. Loan register in Excel\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #D8E7E9\"\u003eNine tabs with payment log, indicative interest, checks, and 16 KPI formulas.\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #D8E7E9\"\u003eXLSX\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\n\u003c\/tbody\u003e\n\n\n\u003c\/table\u003e\u003c\/div\u003e\n\n\u003cp\u003eAll Word\/PDF documents contain the two highlighted information boxes \u003cstrong\u003e01. Package contents\u003c\/strong\u003e and \u003cstrong\u003e02. What the files contain\u003c\/strong\u003e. All agreements have visible fillable fields and no fictional personal data.\u003c\/p\u003e\n\n\n\u003c\/div\u003e\n\n\u003cdiv id=\"mb-amort-excel\" style=\"background:#F0F7F8;border:1px solid #C5DDE1;padding:20px;border-radius:13px;margin:20px 0\"\u003e\n\n\u003ch2\u003e03. Excel – loan register with nine tabs\u003c\/h2\u003e\n\n\u003cp\u003e\u003cstrong\u003eTabs:\u003c\/strong\u003e Loan · Parties · Disbursements · Payments · Interest · Claims · Checks · Overview · Read me.\u003c\/p\u003e\n\n\u003cp\u003eExcel contains \u003cstrong\u003e16 formulas for administrative key performance indicators\u003c\/strong\u003e and automatic helper fields for days, indicative simple interest, and remaining capital based on manually recorded capital payments. Input is empty upon delivery and has selectable status options.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eLimitation:\u003c\/strong\u003e The indicative interest calculation uses the actual number of days \/ 365 without adjustment for partial payments. Excel does not determine mandatory law, prescription, correct default interest, or ability to pay. Update actual payments and verify the terms of the agreement.\u003c\/p\u003e\n\n\n\u003c\/div\u003e\n\n\u003ch2 id=\"mb-amort-guide\"\u003eHow to draw up a promissory note without amortization\u003c\/h2\u003e\n\n\u003col\u003e\n\n\u003cli\u003eIdentify the borrower and lender.\u003c\/li\u003e\n\n\u003cli\u003eChoose a model: fixed due date or repayment on demand.\u003c\/li\u003e\n\n\u003cli\u003eSpecify the loan amount and verified actual disbursement.\u003c\/li\u003e\n\n\u003cli\u003eDetermine whether the agreed credit interest rate should be 0% or a specific rate.\u003c\/li\u003e\n\n\u003cli\u003eRegulate repayment, any early payment, and receipt.\u003c\/li\u003e\n\n\u003cli\u003eDistinguish between agreed credit interest and any default interest.\u003c\/li\u003e\n\n\u003cli\u003eCheck if consumer credit regulations and other specific laws are applicable.\u003c\/li\u003e\n\n\u003cli\u003eSign all relevant documents.\u003c\/li\u003e\n\n\u003cli\u003eMake ongoing notes of actual payments in Excel.\u003c\/li\u003e\n\n\u003cli\u003eIssue a final receipt only when the entire debt is truly settled.\u003c\/li\u003e\n\n\n\u003c\/ol\u003e\n\n\u003ch2 id=\"mb-amort-juridik\"\u003eWhat does Swedish law say?\u003c\/h2\u003e\n\n\u003ch3\u003eThe Promissory Notes Act – fixed due date or on demand\u003c\/h3\u003e\n\n\u003cp\u003eAccording to \u003ca href=\"https:\/\/www.riksdagen.se\/sv\/dokument-och-lagar\/dokument\/svensk-forfattningssamling\/lag-193681-om-skuldebrev_sfs-1936-81\/\" rel=\"noopener noreferrer\"\u003eSection 5 of the Promissory Notes Act (1936:81)\u003c\/a\u003e, a debt without an agreed maturity date must be paid when the creditor demands it; the debtor may also pay earlier. This differs from a debt with a pre-agreed final due date.\u003c\/p\u003e\n\n\u003ch3\u003eThe Interest Act – different rules before and after maturity\u003c\/h3\u003e\n\n\u003cp\u003eInterest during the loan period must be distinguished from default interest. The \u003ca href=\"https:\/\/www.riksdagen.se\/sv\/dokument-och-lagar\/dokument\/svensk-forfattningssamling\/rantelag-1975635_sfs-1975-635\/\" rel=\"noopener noreferrer\"\u003eInterest Act (1975:635)\u003c\/a\u003e contains, among other things, different rules for late payment depending on whether the due date is determined in advance. The reference rate changes over time and should not be hard-coded in the template.\u003c\/p\u003e\n\n\u003ch3\u003ePrescription\u003c\/h3\u003e\n\n\u003cp\u003eThe \u003ca href=\"https:\/\/data.riksdagen.se\/dokument\/sfs-1981-130.html\" rel=\"noopener noreferrer\"\u003ePrescription Act (1981:130)\u003c\/a\u003e contains a general ten-year rule, exceptions, and rules for interrupting the prescription period. Do not use an automatic date in Excel alone to determine if a claim still exists.\u003c\/p\u003e\n\n\u003ch3\u003eNew Consumer Credit Act from November 20, 2026\u003c\/h3\u003e\n\n\u003cp\u003e\u003ca href=\"https:\/\/www.riksdagen.se\/sv\/dokument-och-lagar\/dokument\/svensk-forfattningssamling\/konsumentkreditlag-20261011_sfs-2026-1011\/\" rel=\"noopener noreferrer\"\u003eThe Consumer Credit Act (2026:1011)\u003c\/a\u003e replaces the older Consumer Credit Act on November 20, 2026, with specific transitional provisions. Professional credit providers need to check their own applicable regulations; the private loan documents in this package are not a substitute for complete consumer credit agreements.\u003c\/p\u003e\n\n\u003ch2\u003eRelated document templates\u003c\/h2\u003e\n\n\u003cp\u003e\u003ca href=\"\/en\/products\/enkelt-skuldebrev-mall-juridiskt-bindande\"\u003eSimple promissory note – general template\u003c\/a\u003e · \u003ca href=\"\/en\/products\/lopande-skuldebrev-mall-word-pdf-foretag-privatperson\"\u003eNegotiable promissory note – separate type\u003c\/a\u003e · \u003ca href=\"\/en\/products\/samboavtal-och-skuldebrev-mall-word-pdf-excel\"\u003eCohabitation agreement and promissory note\u003c\/a\u003e · \u003ca href=\"\/en\/collections\/mallar-for-skuldebrev\"\u003eAll promissory note templates\u003c\/a\u003e. These are separate products and are not included in the ZIP file.\u003c\/p\u003e\n\n\u003ch2 id=\"mb-amort-faq\"\u003eFrequently asked questions about promissory notes without amortization\u003c\/h2\u003e\n\n\u003ch3\u003eIs amortization-free the same as interest-free?\u003c\/h3\u003e\n\n\u003cp\u003eNo. Amortization is the repayment of the principal itself. Interest is the cost of borrowing. The template package keeps these terms separate.\u003c\/p\u003e\n\n\u003ch3\u003eWhen should the debt be repaid?\u003c\/h3\u003e\n\n\u003cp\u003eOn a fixed due date, the remaining debt is paid on that day. If no due date has been agreed upon, payment is generally due upon demand in accordance with Section 5 of the Promissory Notes Act.\u003c\/p\u003e\n\n\u003ch3\u003eIs a template without amortization an agreement never to repay?\u003c\/h3\u003e\n\n\u003cp\u003eNo. Even when ongoing principal amortization is not required, the loan must be repaid according to the agreement or applicable law.\u003c\/p\u003e\n\n\u003ch3\u003eCan one agree on 0% interest?\u003c\/h3\u003e\n\n\u003cp\u003eFor a one-off private loan, the agreed credit interest rate can be zero. That does not mean that default interest can never become applicable.\u003c\/p\u003e\n\n\u003ch3\u003eDoes Excel calculate legally correct default interest?\u003c\/h3\u003e\n\n\u003cp\u003eNo. The simple interest calculation is indicative and disregards, among other things, partial payments and legal claims. Default interest must be checked separately.\u003c\/p\u003e\n\n\u003ch3\u003eDoes the package work for banks and companies providing consumer credit?\u003c\/h3\u003e\n\n\u003cp\u003eNo, not as a complete product. Professional consumer credit lending is specifically regulated, and the new Consumer Credit Act (2026:1011) takes effect on November 20, 2026.\u003c\/p\u003e\n\n\u003ch3\u003eAre complete English promissory notes included?\u003c\/h3\u003e\n\n\u003cp\u003eNo. The main documents are in Swedish. The package contains an English User Guide for support.\u003c\/p\u003e\n\n\u003ch3\u003eIs the agreement legally approved by a government agency?\u003c\/h3\u003e\n\n\u003cp\u003eNo. It is an editable working draft with an editorial source review, not a government form or a document certified by an outside lawyer.\u003c\/p\u003e\n\n\u003cp style=\"font-size:.9em;color:#557782\"\u003e\u003cstrong\u003eLegal sources and version information:\u003c\/strong\u003e The Swedish Parliament – the Promissory Notes Act, the Interest Act, the Prescription Act, and the Consumer Credit Act (2026:1011). Editorial review October 16, 2026. The documents require individual adaptation and have not been reviewed by an outside lawyer.\u003c\/p\u003e\n\n\u003c\/section\u003e","brand":"Svenska Dokumentmallar","offers":[{"title":"Default Title","offer_id":55796565803350,"sku":"SKULDEBREV-AMORTFRITT-2027","price":79.0,"currency_code":"SEK","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0827\/2373\/3846\/files\/skuldebrev-amorteringsfritt-2027-verklig-mall-huvudbild_39f42b5b-3661-4d34-bfed-b3c9fa08ca0d.png?v=1792349594","url":"https:\/\/mallbutiken.se\/en\/products\/skuldebrev-utan-amortering-2026-2027-privatlan-med-slutbetalning-excel-word-pdf","provider":"Mallbutiken","version":"1.0","type":"link"}