Skandia's 2.58% beat Sweden's big banks on variable rates in July 2026
The gap between the highest and lowest average rate was 0.19 points, or SEK 5,700 a year on SEK 3m. Who owns the lender decides whether you must negotiate.
News: Stabelo
75% loan-to-value in Sweden: SEK 60,000 a year to amortize on SEK 3m
Below 70%, 1% amortization is enough, and SBAB's example rates apply at 60% or less. Your lender must show how it worked out your loan-to-value.