Swedish mortgage rate up 2 points? Can you pay SEK 3,500 more a month
On a SEK 3,000,000 loan that is SEK 60,000 more a year before tax relief. Borrow alone and the rise costs about SEK 45,700 after relief, not SEK 42,000.
News: Personal finance
Swedish full-customer discount: 0.1 points on SEK 3m, SEK 2,100 a year
Card packages and dearer funds can eat the gain. In the example with a SEK 3,000,000 mortgage, only SEK 560 a year is left once the fees are paid.
Swedish couples buying a home: you can lose SEK 100,000 in a split
Pay SEK 300,000 of a SEK 400,000 down payment and you still get only half. A written cohabitation agreement plus a promissory note changes the split.
Sweden's interest deduction: SEK 84,000 in interest gives SEK 25,200
The deduction is 30% on up to SEK 100,000 of interest and 21% above. Approve your return by 31 March 2026 and the money arrives 7-10 April 2026.
Swedish mortgage pre-approval: free, but on your credit file 12 months
Each bank sets how long a pre-approval lasts, 6 months at Swedbank. It does not bind the bank, so apply at one or two banks, not five.
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.