Buying a New Build Timeline: ARM vs Fixed Mortgage Guide

Real estate infographic titled "ARM vs Fixed Mortgage for First-Time Buyers". Archetype: RENT VS BUY comparison adapted to compare Adjustable-Rate Mortgage vs Fixed-Rate Mortgage for a first-time buyer. Editorial real-estate magazine illustration, soft pastel palette, clean grid layout, friendly professional style, modern sans-serif typography, spacious margins, subtle paper texture, no real bank / brokerage / lender logos, no watermarks. Create 6 numbered comparison stages in two balanced columns: left column for ARM, right column for Fixed. Each stage includes a short heading IN English, a time estimate, an illustrative cost example in SEK labeled as example, and a small property/document icon. Suggested stages: 1) Intro Rate vs Stable Rate, time estimate: Years 1–3, cost example: example 12,500 kr/month vs example 13,900 kr/month; 2) Rate Change Risk vs Payment Predictability, time estimate: After 3 years, cost example: example +1,800 kr/month swing vs example 0 kr change; 3) Budget Flexibility vs Long-Term Planning, time estimate: Monthly, cost example: example cash buffer 40,000 kr vs example cash buffer 20,000 kr; 4) Best for Short Stay vs Best for Long Stay, time estimate: 2–5 years vs 7+ years, cost example: example total paid 450,000 kr vs example 510,000 kr; 5) Refinance / Reset Considerations vs Lock-In Confidence, time estimate: At reset date vs loan term, cost example: example fee 8,000 kr vs example fee 0 kr; 6) First-Time Buyer Takeaway, time estimate: Before signing, cost example: example emergency fund 3–6 months vs example emergency fund 2–4 months. Add visual comparison devices such as split panels, subtle arrows, mini charts, payment trend lines, house keys, contracts, calendars, and calculator icons. Include a small neutral sidebar for first-time buyer tips in English with short labels only, such as "Check budget", "Compare scenarios", "Read terms", and "Ask about caps". Visually hint at the search intent buying a new build timeline through background motifs only, such as blueprint lines, construction schedule bars, and a new-build apartment block silhouette, but do not place that phrase as on-image text. All figures must be clearly marked as example. Use English only for every visible word. 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.