Sparbanken Syd
About Sparbanken Syd
Sparbanken Syd is a local savings bank operating in southern Sweden for nearly 200 years, distinguished by its community focus where profits are returned to the local area through their foundation via grants and scholarships, and they are a part-owner of Borgo (the actual credit provider for their mortgages).
Average rate over time
Average rate per month for each binding period.
Sparbanken Syd
2016-012026-10
2016-012026-10
Current rates
| Binding period | List rate | Average rate |
|---|---|---|
| 3 mo | 3.57%Valid from Apr 2, 2026 | 3.02%For September 2026 |
| 1 year | 4.09%Valid from Sep 18, 2026 | 3.02%For September 2026 |
| 2 years | 4.33%Valid from Sep 18, 2026 | 3.42%For September 2026 |
| 3 years | 4.48%Valid from Sep 18, 2026 | 3.41%For September 2026 |
| 4 years | 4.72%Valid from Sep 18, 2026 | - |
| 5 years | 4.87%Valid from Sep 18, 2026 | - |
| 7 years | 5.00%Valid from Sep 18, 2026 | - |
| 10 years | 5.22%Valid from Sep 18, 2026 | - |
Last checked: Oct 25, 2026, 3:49 AM
The bank's mortgage page, the source of these ratesLoan requirements
Accepts credit remarksNo
Accepts non-permanent employmentYes
Minimum loan amount200 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: Miljöbyggnad
Discount for properties with Miljöbyggnad Silver or Gold certification.
More informationGreen Mortgage: Nordic Swan
Discount for properties with Nordic Swan Ecolabel certification.
More informationGreen Mortgage: Passive House
Discount for properties certified according to the Passive House Institute.
More informationLoan-to-Value Ratio
Discount for lower loan-to-value ratios.