PMI Explained Infographic for Homeowners Upgrading

Real estate infographic titled "PMI Explained for Homeowners Upgrading". Archetype: FIRST-TIME-BUYER CHECKLIST adapted for an existing homeowner upgrading. Editorial real-estate magazine illustration, warm hand-illustrated style, soft pastel palette, clean layout, friendly professional tone, no real bank / brokerage / lender logos, no watermarks. Create 7 numbered checklist stages, each with a short heading in English, a time estimate, an illustrative cost example in SEK labeled example, and a small property or document icon.

1. "Check Equity" — time estimate: "1-3 days" — cost example: "example kr 0-500" — icon: house with percentage symbol. Visual focus on current home equity and how much can go toward the next purchase.
2. "Review Loan Basics" — time estimate: "1-2 days" — cost example: "example kr 0" — icon: mortgage document. Explain PMI as private mortgage insurance, when it may apply, and that it is typically connected to lower down payment situations.
3. "Estimate Down Payment" — time estimate: "1-3 days" — cost example: "example kr 150,000" — icon: wallet and house key. Show that a larger down payment can reduce or avoid PMI.
4. "Compare PMI Scenarios" — time estimate: "2-4 days" — cost example: "example kr 900/month" — icon: checklist with coins. Include simple comparison visuals for lower down payment with PMI versus higher down payment without PMI, using illustrative numbers only.
5. "Get Pre-Approval" — time estimate: "1-5 days" — cost example: "example kr 0-1,500" — icon: approval letter. Show lender review of income, debts, credit, and existing home obligations.
6. "Budget Total Monthly Cost" — time estimate: "1-2 days" — cost example: "example kr 18,500/month" — icon: calendar and calculator. Include mortgage payment, PMI example, property tax example, insurance example, and maintenance example.
7. "Plan PMI Exit" — time estimate: "after closing" — cost example: "example kr 0-3,000" — icon: document with upward equity arrow. Show pathways such as reaching required equity threshold, refinancing example, or updated appraisal example, presented generically with no lender-specific promises.

Add supportive visual elements: soft pastel spot illustrations of homes, folders, keys, calculators, shields, coins, and upward equity arrows. Use subtle callout boxes for "What PMI Is", "When It Applies", "How To Reduce It", and "How To Remove It". Keep examples generic, educational, and non-city-specific. Avoid specific listing prices, guaranteed approvals, or city-specific claims. Target search intent should be reflected visually only, with no on-image text for that phrase.

All text MUST be written in English (array). Every heading, label, caption, legend and metric name in the image must be in English — not English. Spell each English word correctly using English characters and diacritics. Numbers stay as digits, illustrative numbers labeled "example", no specific real-bank or brokerage logos, no watermarks No real bank / brokerage / lender logos. Illustrative numbers labeled as example. No specific listing prices or city-specific guarantees.