SwedenArbetsmarknad och privatekonomi 20 · Labour market and personal finance
What is important to know before buying on credit, for example with a credit card or a quick loan (snabblån)?
In the exam (Swedish)
Vad är viktigt att veta innan man handlar på kredit, till exempel med kreditkort eller ett snabblån?
- aIt is always cheaper and safer than paying straight away with money you have saved.Det är alltid billigare och säkrare än att betala direkt med pengar man har sparat.
- bYou do not have to pay the credit back if the amount is under a thousand kronor.Man behöver inte betala tillbaka krediten om summan är under tusen kronor.
- cThe state pays the interest on all credit purchases and fast loans for everyone under 30.Staten betalar räntan på alla kreditköp och snabblån för alla under 30 år.
- dThe interest and fees are often high, so it can be much more expensive than paying straight away.Räntan och avgifterna är ofta höga, så det kan bli mycket dyrare än att betala direkt.Correct answer
Why?
Interest is what you pay to borrow money. On credit purchases and quick loans the interest is often high, so the debt can grow quickly if you do not pay on time.
Translated with AI. In the exam the question is in Swedish, as shown above.
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Take a free mock examArbetsmarknad och privatekonomi 21
What does the Swedish Enforcement Authority (Kronofogdemyndigheten) do?Correct answer:It collects unpaid debts and can decide on debt relief.
Vad gör Kronofogdemyndigheten? — Den driver in obetalda skulder och kan besluta om skuldsanering.
Arbetsmarknad och privatekonomi 22
Which kind of pension comes from the employer and is often set in a collective agreement, in addition to the public pension from the state?Correct answer:Occupational pension (tjänstepension)
Vilken sorts pension kommer från arbetsgivaren och bestäms ofta i ett kollektivavtal, utöver den allmänna pensionen från staten? — Tjänstepension
Arbetsmarknad och privatekonomi 23
Someone calls and says they are from your bank. The person asks you to log in with BankID to “stop a fraud”. What should you do?Correct answer:End the call and call the bank yourself on a number you know is correct
Någon ringer och säger att hen är från din bank. Personen ber dig logga in med BankID för att ”stoppa ett bedrägeri”. Vad ska du göra? — Avsluta samtalet och själv ringa banken på ett nummer du vet är rätt
Arbetsmarknad och privatekonomi 1
Which parties sign a collective agreement (kollektivavtal)?Correct answer:A trade union and an employer or employers' organisation
Vilka parter skriver under ett kollektivavtal? — Ett fackförbund och en arbetsgivare eller arbetsgivarorganisation
Source
Our own practice questions, written from the facts in UHR’s study material “Sverige i fokus” and the subjects of the ordinance (2026:451) on the citizenship test. They are not the real test questions, which are not published, and no text from the material is reused. Each question was written, answered blind and fact-checked in separate rounds. The English translation and the explanations are ours, made with AI help; in the test the questions are asked in Swedish. We are not affiliated with the Swedish Council for Higher Education (UHR) or the Swedish Migration Agency (Migrationsverket).
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