Sweden's Riksbank, 29 January 2026: what 0.25 points costs a mortgage
The policy rate is 1.75%. A 0.25-point move changes a SEK 3 million variable loan by SEK 7,500 a year. Fixed rates follow the bond market instead.
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Short news about mortgage rates, the Riksbank and the housing market.
Swedish down payment loans: no tax relief from 2026, SEK 12,000 a year
A SEK 150,000 personal loan at 8% costs SEK 12,000 a year, with no tax relief from 1 January 2026. Banks also count it when they test your mortgage.
Lowest Swedish mortgage rate in December 2025: 2.42% on a one-year fix
JAK Medlemsbank held its one-year average at 2.42% in December 2025. Skandia was lowest on variable at 2.51%, Skurups Sparbank on three years at 2.72%.
House or flat in Sweden? The full monthly cost differs by SEK 4,000
A SEK 4 million house costs SEK 16,923 a month and a SEK 3 million co-op flat SEK 12,892, counting interest, amortization, running costs and fee.
Swedish mortgage: one call for 0.2 points off saves SEK 6,000 a year
On a SEK 3 million mortgage, 0.2 points off saves SEK 6,000 a year, or SEK 4,200 after tax relief. Your bank's own average rate is your best argument.