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  • Household deposits are increasing

    The monetary financial institutions’ total deposits from households increased to 2 869 billion in August 2025 from 2 856 billion in July 2025. The annual growth rate of consumer loans slightly increased in August to 4.8 percent compared to 4.6 percent in July 2025. The growth rate for housing loans remained at 2.4 percent in August.

  • Mortgage interest rates decline

    The average total interest rate for housing loans decreased in July to 2.84 percent, from 3.01 percent in June 2025. The average floating interest rate on housing loans decreased from 3.04 percent in June to 2.86 percent in July, while the interest rate on loans with fixed terms between 1 and 5 years decreased from 2.97 percent to 2.87 percent over the same period. The growth rate for housing loans increased in July to a level of 2.4 percent, to be compared with 2.2 percent in June 2025.

  • The spread between deposit and lending rates is widening

    The average total interest rate for housing loans decreased in June to 3.01 percent, from 3.03 percent in May 2025. At the same time, the average deposit interest rate decreased for households for all accounts to 0.67 percent from 0.80 percent in May. The volume of housing loans with floating interest rate continues to increase and surpassed SEK 3 000 billion in June.

  • Mortgage interest rates are falling

    The average floating interest rate on housing loans decreased in May to 3.06 percent, from 3.15 percent in April 2025. The interest rate on loans with fixed terms between 1 and 5 years decreased in May to 2.99 percent. The growth rate for housing loans increased in May to a level of 2.1 percent, while the growth rate for lending to non-financial companies increased to a level of 1.9 percent.

  • Floating mortgage interest rate turns upward

    The average floating interest rate on housing loans increased in April to 3.15 percent, from 3.09 percent in March. The interest rate on loans with fixed terms between 1 and 5 years increased in April, for the fourth consecutive month, to 3.14 percent. The growth rate for housing loans increased in April to a level of 2.0 percent, while the growth rate for lending to non-financial companies increased to a level of 1.5 percent.