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📍 Sweden · Housing & Loans Updated 2025/2026 Rules

Sweden Mortgage Calculator

Estimate your Sweden monthly mortgage payment and compare the effect of changing your down payment, rate, term and other costs. Confirm current terms with a lender.

Sweden · SEK

Modeled for Sweden: Bolån with amortiseringskrav. Finansinspektionen: 85% bolånetak LTV limit, compulsory 1%–2% annual amortization

Rule version: source-linked-2026 · Last reviewed: 2026-09-06 (Verified statutory framework) · Official reference

⚙️ Inputs 📊 Breakdown 📅 Amortization 📖 Guide

Loan Details ?

Home price ? SEK 450 000,00

$50,000 $2,000,000+

Down payment ? SEK 67 500,00

Loan Terms

Interest rate (Annual %) ? 3.6%

1.0% 15.0%

Loan term

Monthly Costs & Escrow

Property Tax (% / year)

Home insurance ($ / yr)

HOA / Fees ($ / mo)

Fees and Advanced Options ▼

Origination fees ($)

Points (%)

Reset

Monthly Payment ✓

SEK 1 739,02

Principal, Interest, Tax & Ins. PITI

Total Payments 🗓️

SEK 626 046,32

Over full loan term

Total Interest 💲

SEK 243 546,32

Cost of borrowing

Loan & APR SE

SEK 382 500,00

APR 3,60% · LTV 85,00%

Monthly Payment Breakdown

Where each monthly dollar goes

SEK 1 739,02 / mo

100.0% P&I

P&I 100.0%

SEK 1 739,02

Composite

🛡️ Every on-time payment reduces your principal balance and builds lasting equity.

Tax + Insurance + HOA Total: SEK 0,00 / mo

⚠

Rate Context unknown

No published market rates for this country and loan type yet.

Download PDF

Calculation is instantly saved in this shareable URL.

Principal vs. Interest Cumulative Principal Interest

Outstanding Loan Balance Over Time

Amortization Schedule

Track how your balance decreases month by month or year by year

Year	Annual Payment	Principal Paid	Interest Paid	Ending Balance
Year 1	SEK 20 868,24	SEK 7 216,54	SEK 13 651,70	SEK 375 283,46
Year 2	SEK 20 868,24	SEK 7 480,66	SEK 13 387,58	SEK 367 802,80
Year 3	SEK 20 868,24	SEK 7 754,45	SEK 13 113,79	SEK 360 048,35
Year 4	SEK 20 868,24	SEK 8 038,26	SEK 12 829,98	SEK 352 010,09
Year 5	SEK 20 868,24	SEK 8 332,47	SEK 12 535,77	SEK 343 677,62
Year 6	SEK 20 868,24	SEK 8 637,44	SEK 12 230,80	SEK 335 040,18
Year 7	SEK 20 868,24	SEK 8 953,56	SEK 11 914,68	SEK 326 086,62
Year 8	SEK 20 868,24	SEK 9 281,27	SEK 11 586,97	SEK 316 805,35
Year 9	SEK 20 868,24	SEK 9 620,94	SEK 11 247,30	SEK 307 184,41
Year 10	SEK 20 868,24	SEK 9 973,09	SEK 10 895,15	SEK 297 211,32
Year 11	SEK 20 868,24	SEK 10 338,10	SEK 10 530,14	SEK 286 873,22
Year 12	SEK 20 868,24	SEK 10 716,48	SEK 10 151,76	SEK 276 156,74
Year 13	SEK 20 868,24	SEK 11 108,69	SEK 9 759,55	SEK 265 048,05
Year 14	SEK 20 868,24	SEK 11 515,30	SEK 9 352,94	SEK 253 532,75
Year 15	SEK 20 868,24	SEK 11 936,74	SEK 8 931,50	SEK 241 596,01
Year 16	SEK 20 868,24	SEK 12 373,63	SEK 8 494,61	SEK 229 222,38
Year 17	SEK 20 868,24	SEK 12 826,49	SEK 8 041,75	SEK 216 395,89
Year 18	SEK 20 868,24	SEK 13 295,94	SEK 7 572,30	SEK 203 099,95
Year 19	SEK 20 868,24	SEK 13 782,59	SEK 7 085,65	SEK 189 317,36
Year 20	SEK 20 868,24	SEK 14 287,02	SEK 6 581,22	SEK 175 030,34
Year 21	SEK 20 868,24	SEK 14 809,91	SEK 6 058,33	SEK 160 220,43
Year 22	SEK 20 868,24	SEK 15 351,96	SEK 5 516,28	SEK 144 868,47
Year 23	SEK 20 868,24	SEK 15 913,85	SEK 4 954,39	SEK 128 954,62
Year 24	SEK 20 868,24	SEK 16 496,30	SEK 4 371,94	SEK 112 458,32
Year 25	SEK 20 868,24	SEK 17 100,08	SEK 3 768,16	SEK 95 358,24
Year 26	SEK 20 868,24	SEK 17 725,93	SEK 3 142,31	SEK 77 632,31
Year 27	SEK 20 868,24	SEK 18 374,69	SEK 2 493,55	SEK 59 257,62
Year 28	SEK 20 868,24	SEK 19 047,21	SEK 1 821,03	SEK 40 210,41
Year 29	SEK 20 868,24	SEK 19 744,32	SEK 1 123,92	SEK 20 466,09
Year 30	SEK 20 867,36	SEK 20 466,09	SEK 401,27	SEK 0,00

Month	Payment	Principal	Interest	Remaining Balance
Month 1	SEK 1 739,02	SEK 591,52	SEK 1 147,50	SEK 381 908,48
Month 2	SEK 1 739,02	SEK 593,29	SEK 1 145,73	SEK 381 315,19
Month 3	SEK 1 739,02	SEK 595,07	SEK 1 143,95	SEK 380 720,12
Month 4	SEK 1 739,02	SEK 596,86	SEK 1 142,16	SEK 380 123,26
Month 5	SEK 1 739,02	SEK 598,65	SEK 1 140,37	SEK 379 524,61
Month 6	SEK 1 739,02	SEK 600,45	SEK 1 138,57	SEK 378 924,16
Month 7	SEK 1 739,02	SEK 602,25	SEK 1 136,77	SEK 378 321,91
Month 8	SEK 1 739,02	SEK 604,05	SEK 1 134,97	SEK 377 717,86
Month 9	SEK 1 739,02	SEK 605,87	SEK 1 133,15	SEK 377 111,99
Month 10	SEK 1 739,02	SEK 607,68	SEK 1 131,34	SEK 376 504,31
Month 11	SEK 1 739,02	SEK 609,51	SEK 1 129,51	SEK 375 894,80
Month 12	SEK 1 739,02	SEK 611,34	SEK 1 127,68	SEK 375 283,46
Month 13	SEK 1 739,02	SEK 613,17	SEK 1 125,85	SEK 374 670,29
Month 14	SEK 1 739,02	SEK 615,01	SEK 1 124,01	SEK 374 055,28
Month 15	SEK 1 739,02	SEK 616,85	SEK 1 122,17	SEK 373 438,43
Month 16	SEK 1 739,02	SEK 618,70	SEK 1 120,32	SEK 372 819,73
Month 17	SEK 1 739,02	SEK 620,56	SEK 1 118,46	SEK 372 199,17
Month 18	SEK 1 739,02	SEK 622,42	SEK 1 116,60	SEK 371 576,75
Month 19	SEK 1 739,02	SEK 624,29	SEK 1 114,73	SEK 370 952,46
Month 20	SEK 1 739,02	SEK 626,16	SEK 1 112,86	SEK 370 326,30
Month 21	SEK 1 739,02	SEK 628,04	SEK 1 110,98	SEK 369 698,26
Month 22	SEK 1 739,02	SEK 629,93	SEK 1 109,09	SEK 369 068,33
Month 23	SEK 1 739,02	SEK 631,82	SEK 1 107,20	SEK 368 436,51
Month 24	SEK 1 739,02	SEK 633,71	SEK 1 105,31	SEK 367 802,80
Month 25	SEK 1 739,02	SEK 635,61	SEK 1 103,41	SEK 367 167,19
Month 26	SEK 1 739,02	SEK 637,52	SEK 1 101,50	SEK 366 529,67
Month 27	SEK 1 739,02	SEK 639,43	SEK 1 099,59	SEK 365 890,24
Month 28	SEK 1 739,02	SEK 641,35	SEK 1 097,67	SEK 365 248,89
Month 29	SEK 1 739,02	SEK 643,27	SEK 1 095,75	SEK 364 605,62
Month 30	SEK 1 739,02	SEK 645,20	SEK 1 093,82	SEK 363 960,42
Month 31	SEK 1 739,02	SEK 647,14	SEK 1 091,88	SEK 363 313,28
Month 32	SEK 1 739,02	SEK 649,08	SEK 1 089,94	SEK 362 664,20
Month 33	SEK 1 739,02	SEK 651,03	SEK 1 087,99	SEK 362 013,17
Month 34	SEK 1 739,02	SEK 652,98	SEK 1 086,04	SEK 361 360,19
Month 35	SEK 1 739,02	SEK 654,94	SEK 1 084,08	SEK 360 705,25
Month 36	SEK 1 739,02	SEK 656,90	SEK 1 082,12	SEK 360 048,35
Month 37	SEK 1 739,02	SEK 658,87	SEK 1 080,15	SEK 359 389,48
Month 38	SEK 1 739,02	SEK 660,85	SEK 1 078,17	SEK 358 728,63
Month 39	SEK 1 739,02	SEK 662,83	SEK 1 076,19	SEK 358 065,80
Month 40	SEK 1 739,02	SEK 664,82	SEK 1 074,20	SEK 357 400,98
Month 41	SEK 1 739,02	SEK 666,82	SEK 1 072,20	SEK 356 734,16
Month 42	SEK 1 739,02	SEK 668,82	SEK 1 070,20	SEK 356 065,34
Month 43	SEK 1 739,02	SEK 670,82	SEK 1 068,20	SEK 355 394,52
Month 44	SEK 1 739,02	SEK 672,84	SEK 1 066,18	SEK 354 721,68
Month 45	SEK 1 739,02	SEK 674,85	SEK 1 064,17	SEK 354 046,83
Month 46	SEK 1 739,02	SEK 676,88	SEK 1 062,14	SEK 353 369,95
Month 47	SEK 1 739,02	SEK 678,91	SEK 1 060,11	SEK 352 691,04
Month 48	SEK 1 739,02	SEK 680,95	SEK 1 058,07	SEK 352 010,09
Month 49	SEK 1 739,02	SEK 682,99	SEK 1 056,03	SEK 351 327,10
Month 50	SEK 1 739,02	SEK 685,04	SEK 1 053,98	SEK 350 642,06
Month 51	SEK 1 739,02	SEK 687,09	SEK 1 051,93	SEK 349 954,97
Month 52	SEK 1 739,02	SEK 689,16	SEK 1 049,86	SEK 349 265,81
Month 53	SEK 1 739,02	SEK 691,22	SEK 1 047,80	SEK 348 574,59
Month 54	SEK 1 739,02	SEK 693,30	SEK 1 045,72	SEK 347 881,29
Month 55	SEK 1 739,02	SEK 695,38	SEK 1 043,64	SEK 347 185,91
Month 56	SEK 1 739,02	SEK 697,46	SEK 1 041,56	SEK 346 488,45
Month 57	SEK 1 739,02	SEK 699,55	SEK 1 039,47	SEK 345 788,90
Month 58	SEK 1 739,02	SEK 701,65	SEK 1 037,37	SEK 345 087,25
Month 59	SEK 1 739,02	SEK 703,76	SEK 1 035,26	SEK 344 383,49
Month 60	SEK 1 739,02	SEK 705,87	SEK 1 033,15	SEK 343 677,62
Month 61	SEK 1 739,02	SEK 707,99	SEK 1 031,03	SEK 342 969,63
Month 62	SEK 1 739,02	SEK 710,11	SEK 1 028,91	SEK 342 259,52
Month 63	SEK 1 739,02	SEK 712,24	SEK 1 026,78	SEK 341 547,28
Month 64	SEK 1 739,02	SEK 714,38	SEK 1 024,64	SEK 340 832,90
Month 65	SEK 1 739,02	SEK 716,52	SEK 1 022,50	SEK 340 116,38
Month 66	SEK 1 739,02	SEK 718,67	SEK 1 020,35	SEK 339 397,71
Month 67	SEK 1 739,02	SEK 720,83	SEK 1 018,19	SEK 338 676,88
Month 68	SEK 1 739,02	SEK 722,99	SEK 1 016,03	SEK 337 953,89
Month 69	SEK 1 739,02	SEK 725,16	SEK 1 013,86	SEK 337 228,73
Month 70	SEK 1 739,02	SEK 727,33	SEK 1 011,69	SEK 336 501,40
Month 71	SEK 1 739,02	SEK 729,52	SEK 1 009,50	SEK 335 771,88
Month 72	SEK 1 739,02	SEK 731,70	SEK 1 007,32	SEK 335 040,18
Month 73	SEK 1 739,02	SEK 733,90	SEK 1 005,12	SEK 334 306,28
Month 74	SEK 1 739,02	SEK 736,10	SEK 1 002,92	SEK 333 570,18
Month 75	SEK 1 739,02	SEK 738,31	SEK 1 000,71	SEK 332 831,87
Month 76	SEK 1 739,02	SEK 740,52	SEK 998,50	SEK 332 091,35
Month 77	SEK 1 739,02	SEK 742,75	SEK 996,27	SEK 331 348,60
Month 78	SEK 1 739,02	SEK 744,97	SEK 994,05	SEK 330 603,63
Month 79	SEK 1 739,02	SEK 747,21	SEK 991,81	SEK 329 856,42
Month 80	SEK 1 739,02	SEK 749,45	SEK 989,57	SEK 329 106,97
Month 81	SEK 1 739,02	SEK 751,70	SEK 987,32	SEK 328 355,27
Month 82	SEK 1 739,02	SEK 753,95	SEK 985,07	SEK 327 601,32
Month 83	SEK 1 739,02	SEK 756,22	SEK 982,80	SEK 326 845,10
Month 84	SEK 1 739,02	SEK 758,48	SEK 980,54	SEK 326 086,62
Month 85	SEK 1 739,02	SEK 760,76	SEK 978,26	SEK 325 325,86
Month 86	SEK 1 739,02	SEK 763,04	SEK 975,98	SEK 324 562,82
Month 87	SEK 1 739,02	SEK 765,33	SEK 973,69	SEK 323 797,49
Month 88	SEK 1 739,02	SEK 767,63	SEK 971,39	SEK 323 029,86
Month 89	SEK 1 739,02	SEK 769,93	SEK 969,09	SEK 322 259,93
Month 90	SEK 1 739,02	SEK 772,24	SEK 966,78	SEK 321 487,69
Month 91	SEK 1 739,02	SEK 774,56	SEK 964,46	SEK 320 713,13
Month 92	SEK 1 739,02	SEK 776,88	SEK 962,14	SEK 319 936,25
Month 93	SEK 1 739,02	SEK 779,21	SEK 959,81	SEK 319 157,04
Month 94	SEK 1 739,02	SEK 781,55	SEK 957,47	SEK 318 375,49
Month 95	SEK 1 739,02	SEK 783,89	SEK 955,13	SEK 317 591,60
Month 96	SEK 1 739,02	SEK 786,25	SEK 952,77	SEK 316 805,35
Month 97	SEK 1 739,02	SEK 788,60	SEK 950,42	SEK 316 016,75
Month 98	SEK 1 739,02	SEK 790,97	SEK 948,05	SEK 315 225,78
Month 99	SEK 1 739,02	SEK 793,34	SEK 945,68	SEK 314 432,44
Month 100	SEK 1 739,02	SEK 795,72	SEK 943,30	SEK 313 636,72
Month 101	SEK 1 739,02	SEK 798,11	SEK 940,91	SEK 312 838,61
Month 102	SEK 1 739,02	SEK 800,50	SEK 938,52	SEK 312 038,11
Month 103	SEK 1 739,02	SEK 802,91	SEK 936,11	SEK 311 235,20
Month 104	SEK 1 739,02	SEK 805,31	SEK 933,71	SEK 310 429,89
Month 105	SEK 1 739,02	SEK 807,73	SEK 931,29	SEK 309 622,16
Month 106	SEK 1 739,02	SEK 810,15	SEK 928,87	SEK 308 812,01
Month 107	SEK 1 739,02	SEK 812,58	SEK 926,44	SEK 307 999,43
Month 108	SEK 1 739,02	SEK 815,02	SEK 924,00	SEK 307 184,41
Month 109	SEK 1 739,02	SEK 817,47	SEK 921,55	SEK 306 366,94
Month 110	SEK 1 739,02	SEK 819,92	SEK 919,10	SEK 305 547,02
Month 111	SEK 1 739,02	SEK 822,38	SEK 916,64	SEK 304 724,64
Month 112	SEK 1 739,02	SEK 824,85	SEK 914,17	SEK 303 899,79
Month 113	SEK 1 739,02	SEK 827,32	SEK 911,70	SEK 303 072,47
Month 114	SEK 1 739,02	SEK 829,80	SEK 909,22	SEK 302 242,67
Month 115	SEK 1 739,02	SEK 832,29	SEK 906,73	SEK 301 410,38
Month 116	SEK 1 739,02	SEK 834,79	SEK 904,23	SEK 300 575,59
Month 117	SEK 1 739,02	SEK 837,29	SEK 901,73	SEK 299 738,30
Month 118	SEK 1 739,02	SEK 839,81	SEK 899,21	SEK 298 898,49
Month 119	SEK 1 739,02	SEK 842,32	SEK 896,70	SEK 298 056,17
Month 120	SEK 1 739,02	SEK 844,85	SEK 894,17	SEK 297 211,32
Month 121	SEK 1 739,02	SEK 847,39	SEK 891,63	SEK 296 363,93
Month 122	SEK 1 739,02	SEK 849,93	SEK 889,09	SEK 295 514,00
Month 123	SEK 1 739,02	SEK 852,48	SEK 886,54	SEK 294 661,52
Month 124	SEK 1 739,02	SEK 855,04	SEK 883,98	SEK 293 806,48
Month 125	SEK 1 739,02	SEK 857,60	SEK 881,42	SEK 292 948,88
Month 126	SEK 1 739,02	SEK 860,17	SEK 878,85	SEK 292 088,71
Month 127	SEK 1 739,02	SEK 862,75	SEK 876,27	SEK 291 225,96
Month 128	SEK 1 739,02	SEK 865,34	SEK 873,68	SEK 290 360,62
Month 129	SEK 1 739,02	SEK 867,94	SEK 871,08	SEK 289 492,68
Month 130	SEK 1 739,02	SEK 870,54	SEK 868,48	SEK 288 622,14
Month 131	SEK 1 739,02	SEK 873,15	SEK 865,87	SEK 287 748,99
Month 132	SEK 1 739,02	SEK 875,77	SEK 863,25	SEK 286 873,22
Month 133	SEK 1 739,02	SEK 878,40	SEK 860,62	SEK 285 994,82
Month 134	SEK 1 739,02	SEK 881,04	SEK 857,98	SEK 285 113,78
Month 135	SEK 1 739,02	SEK 883,68	SEK 855,34	SEK 284 230,10
Month 136	SEK 1 739,02	SEK 886,33	SEK 852,69	SEK 283 343,77
Month 137	SEK 1 739,02	SEK 888,99	SEK 850,03	SEK 282 454,78
Month 138	SEK 1 739,02	SEK 891,66	SEK 847,36	SEK 281 563,12
Month 139	SEK 1 739,02	SEK 894,33	SEK 844,69	SEK 280 668,79
Month 140	SEK 1 739,02	SEK 897,01	SEK 842,01	SEK 279 771,78
Month 141	SEK 1 739,02	SEK 899,70	SEK 839,32	SEK 278 872,08
Month 142	SEK 1 739,02	SEK 902,40	SEK 836,62	SEK 277 969,68
Month 143	SEK 1 739,02	SEK 905,11	SEK 833,91	SEK 277 064,57
Month 144	SEK 1 739,02	SEK 907,83	SEK 831,19	SEK 276 156,74
Month 145	SEK 1 739,02	SEK 910,55	SEK 828,47	SEK 275 246,19
Month 146	SEK 1 739,02	SEK 913,28	SEK 825,74	SEK 274 332,91
Month 147	SEK 1 739,02	SEK 916,02	SEK 823,00	SEK 273 416,89
Month 148	SEK 1 739,02	SEK 918,77	SEK 820,25	SEK 272 498,12
Month 149	SEK 1 739,02	SEK 921,53	SEK 817,49	SEK 271 576,59
Month 150	SEK 1 739,02	SEK 924,29	SEK 814,73	SEK 270 652,30
Month 151	SEK 1 739,02	SEK 927,06	SEK 811,96	SEK 269 725,24
Month 152	SEK 1 739,02	SEK 929,84	SEK 809,18	SEK 268 795,40
Month 153	SEK 1 739,02	SEK 932,63	SEK 806,39	SEK 267 862,77
Month 154	SEK 1 739,02	SEK 935,43	SEK 803,59	SEK 266 927,34
Month 155	SEK 1 739,02	SEK 938,24	SEK 800,78	SEK 265 989,10
Month 156	SEK 1 739,02	SEK 941,05	SEK 797,97	SEK 265 048,05
Month 157	SEK 1 739,02	SEK 943,88	SEK 795,14	SEK 264 104,17
Month 158	SEK 1 739,02	SEK 946,71	SEK 792,31	SEK 263 157,46
Month 159	SEK 1 739,02	SEK 949,55	SEK 789,47	SEK 262 207,91
Month 160	SEK 1 739,02	SEK 952,40	SEK 786,62	SEK 261 255,51
Month 161	SEK 1 739,02	SEK 955,25	SEK 783,77	SEK 260 300,26
Month 162	SEK 1 739,02	SEK 958,12	SEK 780,90	SEK 259 342,14
Month 163	SEK 1 739,02	SEK 960,99	SEK 778,03	SEK 258 381,15
Month 164	SEK 1 739,02	SEK 963,88	SEK 775,14	SEK 257 417,27
Month 165	SEK 1 739,02	SEK 966,77	SEK 772,25	SEK 256 450,50
Month 166	SEK 1 739,02	SEK 969,67	SEK 769,35	SEK 255 480,83
Month 167	SEK 1 739,02	SEK 972,58	SEK 766,44	SEK 254 508,25
Month 168	SEK 1 739,02	SEK 975,50	SEK 763,52	SEK 253 532,75
Month 169	SEK 1 739,02	SEK 978,42	SEK 760,60	SEK 252 554,33
Month 170	SEK 1 739,02	SEK 981,36	SEK 757,66	SEK 251 572,97
Month 171	SEK 1 739,02	SEK 984,30	SEK 754,72	SEK 250 588,67
Month 172	SEK 1 739,02	SEK 987,25	SEK 751,77	SEK 249 601,42
Month 173	SEK 1 739,02	SEK 990,22	SEK 748,80	SEK 248 611,20
Month 174	SEK 1 739,02	SEK 993,19	SEK 745,83	SEK 247 618,01
Month 175	SEK 1 739,02	SEK 996,17	SEK 742,85	SEK 246 621,84
Month 176	SEK 1 739,02	SEK 999,15	SEK 739,87	SEK 245 622,69
Month 177	SEK 1 739,02	SEK 1 002,15	SEK 736,87	SEK 244 620,54
Month 178	SEK 1 739,02	SEK 1 005,16	SEK 733,86	SEK 243 615,38
Month 179	SEK 1 739,02	SEK 1 008,17	SEK 730,85	SEK 242 607,21
Month 180	SEK 1 739,02	SEK 1 011,20	SEK 727,82	SEK 241 596,01
Month 181	SEK 1 739,02	SEK 1 014,23	SEK 724,79	SEK 240 581,78
Month 182	SEK 1 739,02	SEK 1 017,27	SEK 721,75	SEK 239 564,51
Month 183	SEK 1 739,02	SEK 1 020,33	SEK 718,69	SEK 238 544,18
Month 184	SEK 1 739,02	SEK 1 023,39	SEK 715,63	SEK 237 520,79
Month 185	SEK 1 739,02	SEK 1 026,46	SEK 712,56	SEK 236 494,33
Month 186	SEK 1 739,02	SEK 1 029,54	SEK 709,48	SEK 235 464,79
Month 187	SEK 1 739,02	SEK 1 032,63	SEK 706,39	SEK 234 432,16
Month 188	SEK 1 739,02	SEK 1 035,72	SEK 703,30	SEK 233 396,44
Month 189	SEK 1 739,02	SEK 1 038,83	SEK 700,19	SEK 232 357,61
Month 190	SEK 1 739,02	SEK 1 041,95	SEK 697,07	SEK 231 315,66
Month 191	SEK 1 739,02	SEK 1 045,07	SEK 693,95	SEK 230 270,59
Month 192	SEK 1 739,02	SEK 1 048,21	SEK 690,81	SEK 229 222,38
Month 193	SEK 1 739,02	SEK 1 051,35	SEK 687,67	SEK 228 171,03
Month 194	SEK 1 739,02	SEK 1 054,51	SEK 684,51	SEK 227 116,52
Month 195	SEK 1 739,02	SEK 1 057,67	SEK 681,35	SEK 226 058,85
Month 196	SEK 1 739,02	SEK 1 060,84	SEK 678,18	SEK 224 998,01
Month 197	SEK 1 739,02	SEK 1 064,03	SEK 674,99	SEK 223 933,98
Month 198	SEK 1 739,02	SEK 1 067,22	SEK 671,80	SEK 222 866,76
Month 199	SEK 1 739,02	SEK 1 070,42	SEK 668,60	SEK 221 796,34
Month 200	SEK 1 739,02	SEK 1 073,63	SEK 665,39	SEK 220 722,71
Month 201	SEK 1 739,02	SEK 1 076,85	SEK 662,17	SEK 219 645,86
Month 202	SEK 1 739,02	SEK 1 080,08	SEK 658,94	SEK 218 565,78
Month 203	SEK 1 739,02	SEK 1 083,32	SEK 655,70	SEK 217 482,46
Month 204	SEK 1 739,02	SEK 1 086,57	SEK 652,45	SEK 216 395,89
Month 205	SEK 1 739,02	SEK 1 089,83	SEK 649,19	SEK 215 306,06
Month 206	SEK 1 739,02	SEK 1 093,10	SEK 645,92	SEK 214 212,96
Month 207	SEK 1 739,02	SEK 1 096,38	SEK 642,64	SEK 213 116,58
Month 208	SEK 1 739,02	SEK 1 099,67	SEK 639,35	SEK 212 016,91
Month 209	SEK 1 739,02	SEK 1 102,97	SEK 636,05	SEK 210 913,94
Month 210	SEK 1 739,02	SEK 1 106,28	SEK 632,74	SEK 209 807,66
Month 211	SEK 1 739,02	SEK 1 109,60	SEK 629,42	SEK 208 698,06
Month 212	SEK 1 739,02	SEK 1 112,93	SEK 626,09	SEK 207 585,13
Month 213	SEK 1 739,02	SEK 1 116,26	SEK 622,76	SEK 206 468,87
Month 214	SEK 1 739,02	SEK 1 119,61	SEK 619,41	SEK 205 349,26
Month 215	SEK 1 739,02	SEK 1 122,97	SEK 616,05	SEK 204 226,29
Month 216	SEK 1 739,02	SEK 1 126,34	SEK 612,68	SEK 203 099,95
Month 217	SEK 1 739,02	SEK 1 129,72	SEK 609,30	SEK 201 970,23
Month 218	SEK 1 739,02	SEK 1 133,11	SEK 605,91	SEK 200 837,12
Month 219	SEK 1 739,02	SEK 1 136,51	SEK 602,51	SEK 199 700,61
Month 220	SEK 1 739,02	SEK 1 139,92	SEK 599,10	SEK 198 560,69
Month 221	SEK 1 739,02	SEK 1 143,34	SEK 595,68	SEK 197 417,35
Month 222	SEK 1 739,02	SEK 1 146,77	SEK 592,25	SEK 196 270,58
Month 223	SEK 1 739,02	SEK 1 150,21	SEK 588,81	SEK 195 120,37
Month 224	SEK 1 739,02	SEK 1 153,66	SEK 585,36	SEK 193 966,71
Month 225	SEK 1 739,02	SEK 1 157,12	SEK 581,90	SEK 192 809,59
Month 226	SEK 1 739,02	SEK 1 160,59	SEK 578,43	SEK 191 649,00
Month 227	SEK 1 739,02	SEK 1 164,07	SEK 574,95	SEK 190 484,93
Month 228	SEK 1 739,02	SEK 1 167,57	SEK 571,45	SEK 189 317,36
Month 229	SEK 1 739,02	SEK 1 171,07	SEK 567,95	SEK 188 146,29
Month 230	SEK 1 739,02	SEK 1 174,58	SEK 564,44	SEK 186 971,71
Month 231	SEK 1 739,02	SEK 1 178,10	SEK 560,92	SEK 185 793,61
Month 232	SEK 1 739,02	SEK 1 181,64	SEK 557,38	SEK 184 611,97
Month 233	SEK 1 739,02	SEK 1 185,18	SEK 553,84	SEK 183 426,79
Month 234	SEK 1 739,02	SEK 1 188,74	SEK 550,28	SEK 182 238,05
Month 235	SEK 1 739,02	SEK 1 192,31	SEK 546,71	SEK 181 045,74
Month 236	SEK 1 739,02	SEK 1 195,88	SEK 543,14	SEK 179 849,86
Month 237	SEK 1 739,02	SEK 1 199,47	SEK 539,55	SEK 178 650,39
Month 238	SEK 1 739,02	SEK 1 203,07	SEK 535,95	SEK 177 447,32
Month 239	SEK 1 739,02	SEK 1 206,68	SEK 532,34	SEK 176 240,64
Month 240	SEK 1 739,02	SEK 1 210,30	SEK 528,72	SEK 175 030,34
Month 241	SEK 1 739,02	SEK 1 213,93	SEK 525,09	SEK 173 816,41
Month 242	SEK 1 739,02	SEK 1 217,57	SEK 521,45	SEK 172 598,84
Month 243	SEK 1 739,02	SEK 1 221,22	SEK 517,80	SEK 171 377,62
Month 244	SEK 1 739,02	SEK 1 224,89	SEK 514,13	SEK 170 152,73
Month 245	SEK 1 739,02	SEK 1 228,56	SEK 510,46	SEK 168 924,17
Month 246	SEK 1 739,02	SEK 1 232,25	SEK 506,77	SEK 167 691,92
Month 247	SEK 1 739,02	SEK 1 235,94	SEK 503,08	SEK 166 455,98
Month 248	SEK 1 739,02	SEK 1 239,65	SEK 499,37	SEK 165 216,33
Month 249	SEK 1 739,02	SEK 1 243,37	SEK 495,65	SEK 163 972,96
Month 250	SEK 1 739,02	SEK 1 247,10	SEK 491,92	SEK 162 725,86
Month 251	SEK 1 739,02	SEK 1 250,84	SEK 488,18	SEK 161 475,02
Month 252	SEK 1 739,02	SEK 1 254,59	SEK 484,43	SEK 160 220,43
Month 253	SEK 1 739,02	SEK 1 258,36	SEK 480,66	SEK 158 962,07
Month 254	SEK 1 739,02	SEK 1 262,13	SEK 476,89	SEK 157 699,94
Month 255	SEK 1 739,02	SEK 1 265,92	SEK 473,10	SEK 156 434,02
Month 256	SEK 1 739,02	SEK 1 269,72	SEK 469,30	SEK 155 164,30
Month 257	SEK 1 739,02	SEK 1 273,53	SEK 465,49	SEK 153 890,77
Month 258	SEK 1 739,02	SEK 1 277,35	SEK 461,67	SEK 152 613,42
Month 259	SEK 1 739,02	SEK 1 281,18	SEK 457,84	SEK 151 332,24
Month 260	SEK 1 739,02	SEK 1 285,02	SEK 454,00	SEK 150 047,22
Month 261	SEK 1 739,02	SEK 1 288,88	SEK 450,14	SEK 148 758,34
Month 262	SEK 1 739,02	SEK 1 292,74	SEK 446,28	SEK 147 465,60
Month 263	SEK 1 739,02	SEK 1 296,62	SEK 442,40	SEK 146 168,98
Month 264	SEK 1 739,02	SEK 1 300,51	SEK 438,51	SEK 144 868,47
Month 265	SEK 1 739,02	SEK 1 304,41	SEK 434,61	SEK 143 564,06
Month 266	SEK 1 739,02	SEK 1 308,33	SEK 430,69	SEK 142 255,73
Month 267	SEK 1 739,02	SEK 1 312,25	SEK 426,77	SEK 140 943,48
Month 268	SEK 1 739,02	SEK 1 316,19	SEK 422,83	SEK 139 627,29
Month 269	SEK 1 739,02	SEK 1 320,14	SEK 418,88	SEK 138 307,15
Month 270	SEK 1 739,02	SEK 1 324,10	SEK 414,92	SEK 136 983,05
Month 271	SEK 1 739,02	SEK 1 328,07	SEK 410,95	SEK 135 654,98
Month 272	SEK 1 739,02	SEK 1 332,06	SEK 406,96	SEK 134 322,92
Month 273	SEK 1 739,02	SEK 1 336,05	SEK 402,97	SEK 132 986,87
Month 274	SEK 1 739,02	SEK 1 340,06	SEK 398,96	SEK 131 646,81
Month 275	SEK 1 739,02	SEK 1 344,08	SEK 394,94	SEK 130 302,73
Month 276	SEK 1 739,02	SEK 1 348,11	SEK 390,91	SEK 128 954,62
Month 277	SEK 1 739,02	SEK 1 352,16	SEK 386,86	SEK 127 602,46
Month 278	SEK 1 739,02	SEK 1 356,21	SEK 382,81	SEK 126 246,25
Month 279	SEK 1 739,02	SEK 1 360,28	SEK 378,74	SEK 124 885,97
Month 280	SEK 1 739,02	SEK 1 364,36	SEK 374,66	SEK 123 521,61
Month 281	SEK 1 739,02	SEK 1 368,46	SEK 370,56	SEK 122 153,15
Month 282	SEK 1 739,02	SEK 1 372,56	SEK 366,46	SEK 120 780,59
Month 283	SEK 1 739,02	SEK 1 376,68	SEK 362,34	SEK 119 403,91
Month 284	SEK 1 739,02	SEK 1 380,81	SEK 358,21	SEK 118 023,10
Month 285	SEK 1 739,02	SEK 1 384,95	SEK 354,07	SEK 116 638,15
Month 286	SEK 1 739,02	SEK 1 389,11	SEK 349,91	SEK 115 249,04
Month 287	SEK 1 739,02	SEK 1 393,27	SEK 345,75	SEK 113 855,77
Month 288	SEK 1 739,02	SEK 1 397,45	SEK 341,57	SEK 112 458,32
Month 289	SEK 1 739,02	SEK 1 401,65	SEK 337,37	SEK 111 056,67
Month 290	SEK 1 739,02	SEK 1 405,85	SEK 333,17	SEK 109 650,82
Month 291	SEK 1 739,02	SEK 1 410,07	SEK 328,95	SEK 108 240,75
Month 292	SEK 1 739,02	SEK 1 414,30	SEK 324,72	SEK 106 826,45
Month 293	SEK 1 739,02	SEK 1 418,54	SEK 320,48	SEK 105 407,91
Month 294	SEK 1 739,02	SEK 1 422,80	SEK 316,22	SEK 103 985,11
Month 295	SEK 1 739,02	SEK 1 427,06	SEK 311,96	SEK 102 558,05
Month 296	SEK 1 739,02	SEK 1 431,35	SEK 307,67	SEK 101 126,70
Month 297	SEK 1 739,02	SEK 1 435,64	SEK 303,38	SEK 99 691,06
Month 298	SEK 1 739,02	SEK 1 439,95	SEK 299,07	SEK 98 251,11
Month 299	SEK 1 739,02	SEK 1 444,27	SEK 294,75	SEK 96 806,84
Month 300	SEK 1 739,02	SEK 1 448,60	SEK 290,42	SEK 95 358,24
Month 301	SEK 1 739,02	SEK 1 452,95	SEK 286,07	SEK 93 905,29
Month 302	SEK 1 739,02	SEK 1 457,30	SEK 281,72	SEK 92 447,99
Month 303	SEK 1 739,02	SEK 1 461,68	SEK 277,34	SEK 90 986,31
Month 304	SEK 1 739,02	SEK 1 466,06	SEK 272,96	SEK 89 520,25
Month 305	SEK 1 739,02	SEK 1 470,46	SEK 268,56	SEK 88 049,79
Month 306	SEK 1 739,02	SEK 1 474,87	SEK 264,15	SEK 86 574,92
Month 307	SEK 1 739,02	SEK 1 479,30	SEK 259,72	SEK 85 095,62
Month 308	SEK 1 739,02	SEK 1 483,73	SEK 255,29	SEK 83 611,89
Month 309	SEK 1 739,02	SEK 1 488,18	SEK 250,84	SEK 82 123,71
Month 310	SEK 1 739,02	SEK 1 492,65	SEK 246,37	SEK 80 631,06
Month 311	SEK 1 739,02	SEK 1 497,13	SEK 241,89	SEK 79 133,93
Month 312	SEK 1 739,02	SEK 1 501,62	SEK 237,40	SEK 77 632,31
Month 313	SEK 1 739,02	SEK 1 506,12	SEK 232,90	SEK 76 126,19
Month 314	SEK 1 739,02	SEK 1 510,64	SEK 228,38	SEK 74 615,55
Month 315	SEK 1 739,02	SEK 1 515,17	SEK 223,85	SEK 73 100,38
Month 316	SEK 1 739,02	SEK 1 519,72	SEK 219,30	SEK 71 580,66
Month 317	SEK 1 739,02	SEK 1 524,28	SEK 214,74	SEK 70 056,38
Month 318	SEK 1 739,02	SEK 1 528,85	SEK 210,17	SEK 68 527,53
Month 319	SEK 1 739,02	SEK 1 533,44	SEK 205,58	SEK 66 994,09
Month 320	SEK 1 739,02	SEK 1 538,04	SEK 200,98	SEK 65 456,05
Month 321	SEK 1 739,02	SEK 1 542,65	SEK 196,37	SEK 63 913,40
Month 322	SEK 1 739,02	SEK 1 547,28	SEK 191,74	SEK 62 366,12
Month 323	SEK 1 739,02	SEK 1 551,92	SEK 187,10	SEK 60 814,20
Month 324	SEK 1 739,02	SEK 1 556,58	SEK 182,44	SEK 59 257,62
Month 325	SEK 1 739,02	SEK 1 561,25	SEK 177,77	SEK 57 696,37
Month 326	SEK 1 739,02	SEK 1 565,93	SEK 173,09	SEK 56 130,44
Month 327	SEK 1 739,02	SEK 1 570,63	SEK 168,39	SEK 54 559,81
Month 328	SEK 1 739,02	SEK 1 575,34	SEK 163,68	SEK 52 984,47
Month 329	SEK 1 739,02	SEK 1 580,07	SEK 158,95	SEK 51 404,40
Month 330	SEK 1 739,02	SEK 1 584,81	SEK 154,21	SEK 49 819,59
Month 331	SEK 1 739,02	SEK 1 589,56	SEK 149,46	SEK 48 230,03
Month 332	SEK 1 739,02	SEK 1 594,33	SEK 144,69	SEK 46 635,70
Month 333	SEK 1 739,02	SEK 1 599,11	SEK 139,91	SEK 45 036,59
Month 334	SEK 1 739,02	SEK 1 603,91	SEK 135,11	SEK 43 432,68
Month 335	SEK 1 739,02	SEK 1 608,72	SEK 130,30	SEK 41 823,96
Month 336	SEK 1 739,02	SEK 1 613,55	SEK 125,47	SEK 40 210,41
Month 337	SEK 1 739,02	SEK 1 618,39	SEK 120,63	SEK 38 592,02
Month 338	SEK 1 739,02	SEK 1 623,24	SEK 115,78	SEK 36 968,78
Month 339	SEK 1 739,02	SEK 1 628,11	SEK 110,91	SEK 35 340,67
Month 340	SEK 1 739,02	SEK 1 633,00	SEK 106,02	SEK 33 707,67
Month 341	SEK 1 739,02	SEK 1 637,90	SEK 101,12	SEK 32 069,77
Month 342	SEK 1 739,02	SEK 1 642,81	SEK 96,21	SEK 30 426,96
Month 343	SEK 1 739,02	SEK 1 647,74	SEK 91,28	SEK 28 779,22
Month 344	SEK 1 739,02	SEK 1 652,68	SEK 86,34	SEK 27 126,54
Month 345	SEK 1 739,02	SEK 1 657,64	SEK 81,38	SEK 25 468,90
Month 346	SEK 1 739,02	SEK 1 662,61	SEK 76,41	SEK 23 806,29
Month 347	SEK 1 739,02	SEK 1 667,60	SEK 71,42	SEK 22 138,69
Month 348	SEK 1 739,02	SEK 1 672,60	SEK 66,42	SEK 20 466,09
Month 349	SEK 1 739,02	SEK 1 677,62	SEK 61,40	SEK 18 788,47
Month 350	SEK 1 739,02	SEK 1 682,65	SEK 56,37	SEK 17 105,82
Month 351	SEK 1 739,02	SEK 1 687,70	SEK 51,32	SEK 15 418,12
Month 352	SEK 1 739,02	SEK 1 692,77	SEK 46,25	SEK 13 725,35
Month 353	SEK 1 739,02	SEK 1 697,84	SEK 41,18	SEK 12 027,51
Month 354	SEK 1 739,02	SEK 1 702,94	SEK 36,08	SEK 10 324,57
Month 355	SEK 1 739,02	SEK 1 708,05	SEK 30,97	SEK 8 616,52
Month 356	SEK 1 739,02	SEK 1 713,17	SEK 25,85	SEK 6 903,35
Month 357	SEK 1 739,02	SEK 1 718,31	SEK 20,71	SEK 5 185,04
Month 358	SEK 1 739,02	SEK 1 723,46	SEK 15,56	SEK 3 461,58
Month 359	SEK 1 739,02	SEK 1 728,64	SEK 10,38	SEK 1 732,94
Month 360	SEK 1 738,14	SEK 1 732,94	SEK 5,20	SEK 0,00

15-Year vs. 30-Year Loan Comparison

Principal and interest comparison showing long-term interest savings

Loan Term	Monthly P&I	Total Interest Paid	Total Interest Saved
180 Months (15 Years)	SEK 2 753,25	SEK 113 084,47	Save SEK 130 461,85
360 Months (30 Years)	SEK 1 739,02	SEK 243 546,32	Baseline

Mortgage estimate

A mortgage payment depends on the loan amount, interest rate and term. Depending on the property and location, taxes, insurance, mortgage insurance, association charges and fees may also affect the overall cost. Add the costs that apply to your situation to compare scenarios.

This calculator provides an estimate from the values entered and the selected country assumptions. It does not assess a complete mortgage application or replace a lender's offer. Inputs are sent over HTTPS for calculation and are not saved to an account or calculation database.

Who Benefits Most

First-time homebuyers benefit from seeing their true total monthly housing commitment—encompassing principal, interest, tax escrows, hazard insurance, and private mortgage insurance—before making an offer on a home. Existing homeowners evaluating a refinance can accurately test whether monthly interest savings offset appraisal, origination, and title fees to establish their true breakeven date. International expatriates, cross-border professionals, and relocating families can contrast borrowing limits, mandatory deposit thresholds, and repayment mechanics across different legal jurisdictions without switching software or deciphering unfamiliar terminology.

Country-specific details

The calculators cover country-specific details such as US PMI rules, Australian Lenders Mortgage Insurance (LMI), Canadian mortgage default insurance, and German annuity structures (Annuitätendarlehen with Tilgung and Zinsbindung). Inputs are sent to our application over HTTPS to calculate results, but are not saved to an account or calculation database. Shareable links may include the values you entered.

A Practical Walk-Through of Our Financial Tool Suites

Making sound property and borrowing decisions requires looking beyond an isolated loan payment. Our platform arranges complementary financial tools into three specialized suites, allowing you to examine every dimension of your personal balance sheet.

1. Housing and Mortgage Suite

The Home Affordability Calculator estimates a price from income, debts and country assumptions. The Mortgage Calculator estimates payments from the loan amount, rate, term and costs you enter. You can also compare extra payments, refinancing costs, or rent and buy scenarios using your own assumptions.

2. Income, Tax, and Budgeting Suite

The Salary Calculator estimates take-home pay using the selected country and the details entered. The Budget Calculator helps organize income and expenses. Both can help you explore a budget, but neither decides whether a lender will approve an application.

3. Debt Elimination and Wealth Accumulation Suite

The Debt Consolidation and Loan Calculators compare payments and interest using the values you provide. The Compound Interest Calculator illustrates how contributions and assumed returns affect a future balance; returns are not guaranteed.

How to Use This Mortgage Calculator

Begin by entering your agreed Home Price, which represents the gross purchase valuation stated on your real estate purchase agreement. Next, enter your cash Down Payment (or deposit). The calculator subtracts this down payment from the property price to determine your net base loan principal, displaying your Loan-to-Value (LTV) percentage immediately. If your down payment is below conventional thresholds (such as 20% in the United States, Australia, or Canada), the system automatically incorporates statutory mortgage default insurance into your monthly projections.

Enter the annual interest rate and loan term from the offer you want to assess. A shorter term usually has higher regular payments and may reduce interest over the life of the loan. Add estimates for property taxes, insurance, mortgage insurance and HOA dues to see their effect on monthly housing costs.

Calculation Methodology & Statutory Standards

For a fixed-rate loan with regular monthly payments, the principal and interest estimate uses the standard amortization equation:

M = P × [ r(1 + r)ⁿ ] / [ (1 + r)ⁿ − 1 ]

In this formula, M is the monthly principal and interest payment, P is the loan principal, r is the monthly interest rate, and n is the number of monthly payments.

Each payment first covers interest on the outstanding balance; the remainder reduces principal. Taxes, insurance and other costs are shown from the values entered and country assumptions. Actual lender calculations, insurance rules and escrow amounts may differ; confirm them with your lender and relevant authority.

Frequently Asked Questions About Mortgage Financing

What is the practical difference between a mortgage interest rate and the APR?

The interest rate is the baseline annual cost of borrowing expressed as a percentage of your outstanding principal balance. The Annual Percentage Rate (APR) reflects the broader cost of financing, bundling the base interest rate together with origination points, discount points, processing fees, underwriting charges, and essential settlement expenses. Under Regulation Z of the Truth in Lending Act enforced by the Consumer Financial Protection Bureau (CFPB), lenders must disclose the APR so borrowers can make an apples-to-apples comparison across competing mortgage offers that feature differing upfront fee structures.

When and how can Private Mortgage Insurance (PMI) be cancelled?

Under the federal Homeowners Protection Act of 1998, you have the legal right to submit a written request to cancel PMI once your regular payments bring the principal loan balance down to 80% of the property's original value, provided your payment history is satisfactory. In addition, mortgage loan servicers are required by law to cancel PMI automatically once your amortization schedule reaches 78% of the original value, without requiring borrower intervention. Loans backed by the Federal Housing Administration (FHA) follow different statutory rules: borrowers who put down less than 10% must maintain Mortgage Insurance Premiums (MIP) for the entire duration of the loan.

How do additional principal curtailments reduce total loan cost and payoff duration?

Because mortgage interest is calculated monthly against the remaining principal balance, applying extra funds directly toward the principal lowers every subsequent monthly interest charge. For example, adding an extra $200 each month to a $400,000 30-year fixed loan at 6.75% eliminates more than five years of scheduled payments and prevents over $85,000 in interest charges from accruing. Conforming residential mortgages carry no statutory prepayment penalties, meaning borrowers can pay down principal at any cadence without penalty.

How does a fixed-rate mortgage compare against an adjustable-rate mortgage (ARM)?

A fixed-rate mortgage guarantees that your principal and interest payment remains identical over the entire loan life, shielding household budgets from macroeconomic rate volatility. An adjustable-rate mortgage (ARM) or tracker loan provides an initial discounted interest rate for a fixed period (such as 3, 5, or 7 years), after which the rate adjusts periodically according to a benchmark index (such as SOFR in the United States or the Bank of England base rate in the United Kingdom) plus a lender margin. Borrowers who plan to relocate or refinance before the initial fixed period expires can save significant interest with an ARM, but they accept the risk of higher future payments if benchmark rates rise.

Explore Related Financial Planning Calculators

Affordability Calculator →

Use this tool before touring properties to calculate your maximum purchase ceiling based on your gross household income, recurring personal debt obligations, and statutory debt-to-income (DTI) caps.

Extra Payment Calculator →

Use this tool to estimate how recurring or one-off extra payments could affect payoff time and total interest.

Refinance Calculator →

Use this tool when market interest rates decline to compute your financial break-even point by comparing ongoing payment reductions against upfront loan origination and closing settlement fees.

Sweden Mortgage Standards & Regulatory Limits

Mortgage underwriting in Sweden follows domestic statutory frameworks governing maximum loan-to-value (LTV) limits, minimum cash deposits, and mandatory interest rate stress tests. This calculator automatically incorporates Sweden standards into its assumptions so that your results reflect realistic underwriting requirements rather than generic estimates.

Amortization requirements kick in above 50% LTV.

Sweden home affordability calculator → Test extra mortgage payments → Mortgage refinance calculator → Compare renting and buying in Sweden → Estimate your total home-buying budget → Check Sweden net take-home salary → Explore country mortgage guides →

⚙️

Calculation Methodology & Proof

Mortgage (PITI + schedule)

The loan is amortized as above. Housing cost adds tax, insurance, HOA, and PMI. UK-style splits keep an interest-only balloon.

PITI = M + tax/12 + insurance/12 + HOA + PMI. IO payment = IO balance × r. Balloon = IO balance at term.

Loan amount = price − down payment. LTV = loan / price.
If an interest-only amount is set, only the remainder amortizes.
PMI (when enabled) is charged while scheduled LTV is above the threshold (default 80%).
Total cost sums interest, fees, and the recurring housing add-ons over the payoff period.

Important Caveats & Planning Assumptions

Tax and insurance are estimates; escrow analysis will differ.
PMI cancellation rules vary by product and country.

Read complete methodology documentation →

Frequently Asked Questions

Expert answers to common questions

What is included in the monthly total?

Principal and interest, plus estimated property tax, home insurance, HOA, and PMI when LTV is above the threshold. That PITI figure is what lenders use for affordability.

When does PMI drop off?

This calculator removes PMI once the scheduled balance reaches 80% of the original purchase price. Servicers may also need an appraisal; rules vary by country and loan type.

How does a UK split mortgage work here?

Set an interest-only amount. That slice is charged interest only and remains as a balloon; the rest amortizes over the term.

Total Monthly (PITI)

SEK 1 739,02

Breakdown ↓ Schedule

📋 Official Guide · 2026

Reviewed 2026-09-11 · Many Swedes split their Bolån into 2 or 3 parts (e.g., 1/3 variable, 1/3 fixed for 3 years, 1/3 fixed for 5 years) to spread the interest rate risk. However, this traps you with your current bank, as you cannot easily move the variable portion to a competitor if the fixed portions haven't expired.

Sweden Mortgage Guide 2026: Amortiseringskrav and Bolånetak

The Swedish mortgage market (Bolån) is famous for its historically low interest rates and a culture of highly leveraged, interest-only lending. However, the Swedish Financial Supervisory Authority (Finansinspektionen) has aggressively tightened the rules with mandatory amortization requirements (Amortiseringskrav) and strict loan ceilings (Bolånetak) to cool the market. This guide covers the 2026 landscape and the generous Swedish tax deductions on interest.

How Much Can You Borrow in Sweden? ▼

Your borrowing limit is determined by the Bolånetak (Loan-to-Value ceiling) and your debt-to-income ratio, which dictates how aggressively you must pay back the loan.

The 85% Bolånetak (LTV Ceiling)

By law, Swedish banks cannot lend more than 85% of the property's market value using the home as collateral. You must provide a 15% down payment (Kontantinsats).

If you lack the 15%, you can sometimes take an unsecured personal loan (Privatlån or Blancolån) for the remaining amount, but this carries a significantly higher interest rate (often 5% to 8%) and requires rapid repayment.

The Amortization Requirements (Amortiseringskrav)

Sweden's unique amortization rules force you to pay down principal based on your LTV and Debt-to-Income (DTI) ratio.

LTV Amortization Rule

If your LTV is above 70%, you must amortize (pay off principal) by 2% of the total loan amount per year.

If your LTV is between 50% and 70%, you must amortize 1% per year.

If your LTV is below 50%, amortization is technically optional, though many banks still encourage it.

Debt-to-Income (DTI) Rule (Skuldkvot)

If your total mortgage exceeds 4.5 times your gross annual income, you must add an extra 1% amortization per year, regardless of your LTV.

Example: A borrower with 80% LTV and a loan 5x their income must amortize 3% of the loan amount annually.

Use the affordability calculator to calculate your required monthly amortization.

Swedish Mortgage Types ▼

Variable Rate (Rörlig Ränta)	Actually a 3-month fixed rate. Historically the most popular choice in Sweden.

Fixed Rate (Bunden Ränta): Rates can be locked for 1 to 10 years. Breaking a fixed rate early incurs a substantial penalty known as Ränteskillnadsersättning (interest difference compensation).

Current Swedish Mortgage Rates (2026) ▼

Following the Riksbank's monetary policy adjustments, average 2026 rates are:

3-month Variable (Rörlig): 3.50% to 3.90%

3-year Fixed	3.10% to 3.40%

5-year Fixed: 3.00% to 3.30%

*Rates are illustrative averages as of September 2026. Swedish banks actively negotiate, so always ask for a "Ränterabatt" (interest discount).*

Closing Costs and Taxes ▼

Closing costs in Sweden are exceptionally low compared to the rest of Europe.

Stamp Duty (Lagfart)	1.5% of the purchase price (plus a small administrative fee of ~825 SEK).

Mortgage Deed Fee (Pantbrev): 2.0% of the new mortgage amount. Note: If the previous owner already took out mortgage deeds (Pantbrev) equal to your loan amount, you pay nothing. You only pay the 2% on any new deeds created.

Real Estate Agent Fees	Paid entirely by the seller (0% for the buyer).

Use the budget calculator to estimate your exact cash required.

The 30% Tax Deduction (Ränteavdrag)

Sweden offers a massive subsidy to homeowners: the Ränteavdrag. You can deduct 30% of your mortgage interest payments against your income tax, up to a limit of 100,000 SEK per year (per person). Above 100,000 SEK, the deduction drops to 21%.

If you and your partner pay 100,000 SEK in interest a year, the government effectively refunds you 30,000 SEK through your tax return.

The Swedish Mortgage Process ▼

1. Get a Lånelöfte (Loan Promise). Valid for 6 months. Do this before attending any open houses (Visning), as the Swedish bidding process is notoriously fast.

2. Bidding (Budgivning). Done via SMS or online, fully transparent.

3. Sign the Contract (Köpekontrakt). Usually signed within days of winning the bid. You pay a 10% Handpenning (deposit) within a week.

4. Finalize the Mortgage. Choose your fixed or variable rate mix.

5. Tillträdesdag (Move-in Day). You meet at the buyer's bank or broker. The bank transfers the remaining funds (Slutlikvid), you get the keys, and you own the home.

Why do Swedes split their mortgages into different parts? ▼

Many Swedish homeowners divide their mortgage loan into multiple tranches (for example, one-third on a 3-month variable rate, one-third fixed for 3 years, and one-third fixed for 5 years). This diversification strategy dampens interest rate shock when benchmark rates move rapidly. However, Swedish financial advisors caution that split loans effectively lock you to your current lender: under Swedish banking regulations, you cannot easily refinance the variable portion to another bank while the fixed tranches remain active without paying substantial interest compensation penalties (ränteskillnadsersättning).

Official Sources & References

Finansinspektionen (FI) — The Swedish Mortgage Market & Amortization Rules Sveriges Riksbank — Monetary Policy & Household Debt Skatteverket — Ränteavdrag Rules

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