SBAB
About SBAB
SBAB is a Swedish state-owned bank specializing in mortgages, known for offering negotiation-free transparent rates where your rate is determined solely by your loan-to-value ratio — no negotiation required or possible.
Average rate over time
Average rate per month for each binding period.
SBAB
2016-012026-10
2016-012026-10
Current rates
| Binding period | List rate | Average rate |
|---|---|---|
| 3 mo | 3.15%Valid from May 27, 2026 | 2.73%For September 2026 |
| 1 year | 3.72%Valid from Sep 29, 2026 | 3.20%For September 2026 |
| 2 years | 4.09%Valid from Sep 29, 2026 | 3.38%For September 2026 |
| 3 years | 4.19%Valid from Sep 29, 2026 | 3.54%For September 2026 |
| 4 years | 4.29%Valid from Sep 29, 2026 | 3.67%For September 2026 |
| 5 years | 4.39%Valid from Sep 29, 2026 | 3.73%For September 2026 |
| 7 years | 4.58%Valid from Sep 29, 2026 | 3.90%For September 2026 |
| 10 years | 4.74%Valid from Sep 29, 2026 | 4.28%For September 2026 |
Last checked: Oct 25, 2026, 6:28 AM
The bank's mortgage page, the source of these ratesLoan requirements
Accepts credit remarksNo
Accepts non-permanent employmentNo
Maximum debt-to-income ratio5.5x
Minimum loan amount200 000 SEK
Maximum loan amount10 000 000 SEK
Discounts
Green Mortgage: Energy Class A
Discount for properties with energy class A rating.
More informationGreen Mortgage: Energy Class B
Discount for properties with energy class B rating.
More informationGreen Mortgage: Energy Class C
Discount for properties with energy class C rating.
More informationLoan-to-Value Ratio
Discount for lower loan-to-value ratios.