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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 %) ? 3.85%

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 1 793,19

Principal, Interest, Tax & Ins. PITI

Total Payments 🗓️

SEK 645 548,40

Over full loan term

Total Interest 💲

SEK 263 049,33

Cost of borrowing

Loan & APR SE

SEK 382 500,00

APR 3,85% · LTV 85,00%

Monthly Payment Breakdown

Where each monthly dollar goes

SEK 1 793,19 / mo

100.0% P&I

P&I 100.0%

SEK 1 793,19

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.

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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 21 518,28	SEK 6 913,18	SEK 14 605,10	SEK 375 586,82
Year 2	SEK 21 518,28	SEK 7 184,09	SEK 14 334,19	SEK 368 402,73
Year 3	SEK 21 518,28	SEK 7 465,59	SEK 14 052,69	SEK 360 937,14
Year 4	SEK 21 518,28	SEK 7 758,15	SEK 13 760,13	SEK 353 178,99
Year 5	SEK 21 518,28	SEK 8 062,17	SEK 13 456,11	SEK 345 116,82
Year 6	SEK 21 518,28	SEK 8 378,08	SEK 13 140,20	SEK 336 738,74
Year 7	SEK 21 518,28	SEK 8 706,39	SEK 12 811,89	SEK 328 032,35
Year 8	SEK 21 518,28	SEK 9 047,58	SEK 12 470,70	SEK 318 984,77
Year 9	SEK 21 518,28	SEK 9 402,14	SEK 12 116,14	SEK 309 582,63
Year 10	SEK 21 518,28	SEK 9 770,56	SEK 11 747,72	SEK 299 812,07
Year 11	SEK 21 518,28	SEK 10 153,43	SEK 11 364,85	SEK 289 658,64
Year 12	SEK 21 518,28	SEK 10 551,33	SEK 10 966,95	SEK 279 107,31
Year 13	SEK 21 518,28	SEK 10 964,79	SEK 10 553,49	SEK 268 142,52
Year 14	SEK 21 518,28	SEK 11 394,47	SEK 10 123,81	SEK 256 748,05
Year 15	SEK 21 518,28	SEK 11 840,98	SEK 9 677,30	SEK 244 907,07
Year 16	SEK 21 518,28	SEK 12 304,99	SEK 9 213,29	SEK 232 602,08
Year 17	SEK 21 518,28	SEK 12 787,16	SEK 8 731,12	SEK 219 814,92
Year 18	SEK 21 518,28	SEK 13 288,26	SEK 8 230,02	SEK 206 526,66
Year 19	SEK 21 518,28	SEK 13 808,97	SEK 7 709,31	SEK 192 717,69
Year 20	SEK 21 518,28	SEK 14 350,12	SEK 7 168,16	SEK 178 367,57
Year 21	SEK 21 518,28	SEK 14 912,44	SEK 6 605,84	SEK 163 455,13
Year 22	SEK 21 518,28	SEK 15 496,80	SEK 6 021,48	SEK 147 958,33
Year 23	SEK 21 518,28	SEK 16 104,08	SEK 5 414,20	SEK 131 854,25
Year 24	SEK 21 518,28	SEK 16 735,16	SEK 4 783,12	SEK 115 119,09
Year 25	SEK 21 518,28	SEK 17 390,95	SEK 4 127,33	SEK 97 728,14
Year 26	SEK 21 518,28	SEK 18 072,44	SEK 3 445,84	SEK 79 655,70
Year 27	SEK 21 518,28	SEK 18 780,64	SEK 2 737,64	SEK 60 875,06
Year 28	SEK 21 518,28	SEK 19 516,59	SEK 2 001,69	SEK 41 358,47
Year 29	SEK 21 518,28	SEK 20 281,39	SEK 1 236,89	SEK 21 077,08
Year 30	SEK 21 518,28	SEK 21 076,15	SEK 442,13	SEK 0,93

Month	Payment	Principal	Interest	Remaining Balance
Month 1	SEK 1 793,19	SEK 566,00	SEK 1 227,19	SEK 381 934,00
Month 2	SEK 1 793,19	SEK 567,82	SEK 1 225,37	SEK 381 366,18
Month 3	SEK 1 793,19	SEK 569,64	SEK 1 223,55	SEK 380 796,54
Month 4	SEK 1 793,19	SEK 571,47	SEK 1 221,72	SEK 380 225,07
Month 5	SEK 1 793,19	SEK 573,30	SEK 1 219,89	SEK 379 651,77
Month 6	SEK 1 793,19	SEK 575,14	SEK 1 218,05	SEK 379 076,63
Month 7	SEK 1 793,19	SEK 576,99	SEK 1 216,20	SEK 378 499,64
Month 8	SEK 1 793,19	SEK 578,84	SEK 1 214,35	SEK 377 920,80
Month 9	SEK 1 793,19	SEK 580,69	SEK 1 212,50	SEK 377 340,11
Month 10	SEK 1 793,19	SEK 582,56	SEK 1 210,63	SEK 376 757,55
Month 11	SEK 1 793,19	SEK 584,43	SEK 1 208,76	SEK 376 173,12
Month 12	SEK 1 793,19	SEK 586,30	SEK 1 206,89	SEK 375 586,82
Month 13	SEK 1 793,19	SEK 588,18	SEK 1 205,01	SEK 374 998,64
Month 14	SEK 1 793,19	SEK 590,07	SEK 1 203,12	SEK 374 408,57
Month 15	SEK 1 793,19	SEK 591,96	SEK 1 201,23	SEK 373 816,61
Month 16	SEK 1 793,19	SEK 593,86	SEK 1 199,33	SEK 373 222,75
Month 17	SEK 1 793,19	SEK 595,77	SEK 1 197,42	SEK 372 626,98
Month 18	SEK 1 793,19	SEK 597,68	SEK 1 195,51	SEK 372 029,30
Month 19	SEK 1 793,19	SEK 599,60	SEK 1 193,59	SEK 371 429,70
Month 20	SEK 1 793,19	SEK 601,52	SEK 1 191,67	SEK 370 828,18
Month 21	SEK 1 793,19	SEK 603,45	SEK 1 189,74	SEK 370 224,73
Month 22	SEK 1 793,19	SEK 605,39	SEK 1 187,80	SEK 369 619,34
Month 23	SEK 1 793,19	SEK 607,33	SEK 1 185,86	SEK 369 012,01
Month 24	SEK 1 793,19	SEK 609,28	SEK 1 183,91	SEK 368 402,73
Month 25	SEK 1 793,19	SEK 611,23	SEK 1 181,96	SEK 367 791,50
Month 26	SEK 1 793,19	SEK 613,19	SEK 1 180,00	SEK 367 178,31
Month 27	SEK 1 793,19	SEK 615,16	SEK 1 178,03	SEK 366 563,15
Month 28	SEK 1 793,19	SEK 617,13	SEK 1 176,06	SEK 365 946,02
Month 29	SEK 1 793,19	SEK 619,11	SEK 1 174,08	SEK 365 326,91
Month 30	SEK 1 793,19	SEK 621,10	SEK 1 172,09	SEK 364 705,81
Month 31	SEK 1 793,19	SEK 623,09	SEK 1 170,10	SEK 364 082,72
Month 32	SEK 1 793,19	SEK 625,09	SEK 1 168,10	SEK 363 457,63
Month 33	SEK 1 793,19	SEK 627,10	SEK 1 166,09	SEK 362 830,53
Month 34	SEK 1 793,19	SEK 629,11	SEK 1 164,08	SEK 362 201,42
Month 35	SEK 1 793,19	SEK 631,13	SEK 1 162,06	SEK 361 570,29
Month 36	SEK 1 793,19	SEK 633,15	SEK 1 160,04	SEK 360 937,14
Month 37	SEK 1 793,19	SEK 635,18	SEK 1 158,01	SEK 360 301,96
Month 38	SEK 1 793,19	SEK 637,22	SEK 1 155,97	SEK 359 664,74
Month 39	SEK 1 793,19	SEK 639,27	SEK 1 153,92	SEK 359 025,47
Month 40	SEK 1 793,19	SEK 641,32	SEK 1 151,87	SEK 358 384,15
Month 41	SEK 1 793,19	SEK 643,37	SEK 1 149,82	SEK 357 740,78
Month 42	SEK 1 793,19	SEK 645,44	SEK 1 147,75	SEK 357 095,34
Month 43	SEK 1 793,19	SEK 647,51	SEK 1 145,68	SEK 356 447,83
Month 44	SEK 1 793,19	SEK 649,59	SEK 1 143,60	SEK 355 798,24
Month 45	SEK 1 793,19	SEK 651,67	SEK 1 141,52	SEK 355 146,57
Month 46	SEK 1 793,19	SEK 653,76	SEK 1 139,43	SEK 354 492,81
Month 47	SEK 1 793,19	SEK 655,86	SEK 1 137,33	SEK 353 836,95
Month 48	SEK 1 793,19	SEK 657,96	SEK 1 135,23	SEK 353 178,99
Month 49	SEK 1 793,19	SEK 660,07	SEK 1 133,12	SEK 352 518,92
Month 50	SEK 1 793,19	SEK 662,19	SEK 1 131,00	SEK 351 856,73
Month 51	SEK 1 793,19	SEK 664,32	SEK 1 128,87	SEK 351 192,41
Month 52	SEK 1 793,19	SEK 666,45	SEK 1 126,74	SEK 350 525,96
Month 53	SEK 1 793,19	SEK 668,59	SEK 1 124,60	SEK 349 857,37
Month 54	SEK 1 793,19	SEK 670,73	SEK 1 122,46	SEK 349 186,64
Month 55	SEK 1 793,19	SEK 672,88	SEK 1 120,31	SEK 348 513,76
Month 56	SEK 1 793,19	SEK 675,04	SEK 1 118,15	SEK 347 838,72
Month 57	SEK 1 793,19	SEK 677,21	SEK 1 115,98	SEK 347 161,51
Month 58	SEK 1 793,19	SEK 679,38	SEK 1 113,81	SEK 346 482,13
Month 59	SEK 1 793,19	SEK 681,56	SEK 1 111,63	SEK 345 800,57
Month 60	SEK 1 793,19	SEK 683,75	SEK 1 109,44	SEK 345 116,82
Month 61	SEK 1 793,19	SEK 685,94	SEK 1 107,25	SEK 344 430,88
Month 62	SEK 1 793,19	SEK 688,14	SEK 1 105,05	SEK 343 742,74
Month 63	SEK 1 793,19	SEK 690,35	SEK 1 102,84	SEK 343 052,39
Month 64	SEK 1 793,19	SEK 692,56	SEK 1 100,63	SEK 342 359,83
Month 65	SEK 1 793,19	SEK 694,79	SEK 1 098,40	SEK 341 665,04
Month 66	SEK 1 793,19	SEK 697,01	SEK 1 096,18	SEK 340 968,03
Month 67	SEK 1 793,19	SEK 699,25	SEK 1 093,94	SEK 340 268,78
Month 68	SEK 1 793,19	SEK 701,49	SEK 1 091,70	SEK 339 567,29
Month 69	SEK 1 793,19	SEK 703,74	SEK 1 089,45	SEK 338 863,55
Month 70	SEK 1 793,19	SEK 706,00	SEK 1 087,19	SEK 338 157,55
Month 71	SEK 1 793,19	SEK 708,27	SEK 1 084,92	SEK 337 449,28
Month 72	SEK 1 793,19	SEK 710,54	SEK 1 082,65	SEK 336 738,74
Month 73	SEK 1 793,19	SEK 712,82	SEK 1 080,37	SEK 336 025,92
Month 74	SEK 1 793,19	SEK 715,11	SEK 1 078,08	SEK 335 310,81
Month 75	SEK 1 793,19	SEK 717,40	SEK 1 075,79	SEK 334 593,41
Month 76	SEK 1 793,19	SEK 719,70	SEK 1 073,49	SEK 333 873,71
Month 77	SEK 1 793,19	SEK 722,01	SEK 1 071,18	SEK 333 151,70
Month 78	SEK 1 793,19	SEK 724,33	SEK 1 068,86	SEK 332 427,37
Month 79	SEK 1 793,19	SEK 726,65	SEK 1 066,54	SEK 331 700,72
Month 80	SEK 1 793,19	SEK 728,98	SEK 1 064,21	SEK 330 971,74
Month 81	SEK 1 793,19	SEK 731,32	SEK 1 061,87	SEK 330 240,42
Month 82	SEK 1 793,19	SEK 733,67	SEK 1 059,52	SEK 329 506,75
Month 83	SEK 1 793,19	SEK 736,02	SEK 1 057,17	SEK 328 770,73
Month 84	SEK 1 793,19	SEK 738,38	SEK 1 054,81	SEK 328 032,35
Month 85	SEK 1 793,19	SEK 740,75	SEK 1 052,44	SEK 327 291,60
Month 86	SEK 1 793,19	SEK 743,13	SEK 1 050,06	SEK 326 548,47
Month 87	SEK 1 793,19	SEK 745,51	SEK 1 047,68	SEK 325 802,96
Month 88	SEK 1 793,19	SEK 747,91	SEK 1 045,28	SEK 325 055,05
Month 89	SEK 1 793,19	SEK 750,31	SEK 1 042,88	SEK 324 304,74
Month 90	SEK 1 793,19	SEK 752,71	SEK 1 040,48	SEK 323 552,03
Month 91	SEK 1 793,19	SEK 755,13	SEK 1 038,06	SEK 322 796,90
Month 92	SEK 1 793,19	SEK 757,55	SEK 1 035,64	SEK 322 039,35
Month 93	SEK 1 793,19	SEK 759,98	SEK 1 033,21	SEK 321 279,37
Month 94	SEK 1 793,19	SEK 762,42	SEK 1 030,77	SEK 320 516,95
Month 95	SEK 1 793,19	SEK 764,86	SEK 1 028,33	SEK 319 752,09
Month 96	SEK 1 793,19	SEK 767,32	SEK 1 025,87	SEK 318 984,77
Month 97	SEK 1 793,19	SEK 769,78	SEK 1 023,41	SEK 318 214,99
Month 98	SEK 1 793,19	SEK 772,25	SEK 1 020,94	SEK 317 442,74
Month 99	SEK 1 793,19	SEK 774,73	SEK 1 018,46	SEK 316 668,01
Month 100	SEK 1 793,19	SEK 777,21	SEK 1 015,98	SEK 315 890,80
Month 101	SEK 1 793,19	SEK 779,71	SEK 1 013,48	SEK 315 111,09
Month 102	SEK 1 793,19	SEK 782,21	SEK 1 010,98	SEK 314 328,88
Month 103	SEK 1 793,19	SEK 784,72	SEK 1 008,47	SEK 313 544,16
Month 104	SEK 1 793,19	SEK 787,24	SEK 1 005,95	SEK 312 756,92
Month 105	SEK 1 793,19	SEK 789,76	SEK 1 003,43	SEK 311 967,16
Month 106	SEK 1 793,19	SEK 792,30	SEK 1 000,89	SEK 311 174,86
Month 107	SEK 1 793,19	SEK 794,84	SEK 998,35	SEK 310 380,02
Month 108	SEK 1 793,19	SEK 797,39	SEK 995,80	SEK 309 582,63
Month 109	SEK 1 793,19	SEK 799,95	SEK 993,24	SEK 308 782,68
Month 110	SEK 1 793,19	SEK 802,51	SEK 990,68	SEK 307 980,17
Month 111	SEK 1 793,19	SEK 805,09	SEK 988,10	SEK 307 175,08
Month 112	SEK 1 793,19	SEK 807,67	SEK 985,52	SEK 306 367,41
Month 113	SEK 1 793,19	SEK 810,26	SEK 982,93	SEK 305 557,15
Month 114	SEK 1 793,19	SEK 812,86	SEK 980,33	SEK 304 744,29
Month 115	SEK 1 793,19	SEK 815,47	SEK 977,72	SEK 303 928,82
Month 116	SEK 1 793,19	SEK 818,09	SEK 975,10	SEK 303 110,73
Month 117	SEK 1 793,19	SEK 820,71	SEK 972,48	SEK 302 290,02
Month 118	SEK 1 793,19	SEK 823,34	SEK 969,85	SEK 301 466,68
Month 119	SEK 1 793,19	SEK 825,98	SEK 967,21	SEK 300 640,70
Month 120	SEK 1 793,19	SEK 828,63	SEK 964,56	SEK 299 812,07
Month 121	SEK 1 793,19	SEK 831,29	SEK 961,90	SEK 298 980,78
Month 122	SEK 1 793,19	SEK 833,96	SEK 959,23	SEK 298 146,82
Month 123	SEK 1 793,19	SEK 836,64	SEK 956,55	SEK 297 310,18
Month 124	SEK 1 793,19	SEK 839,32	SEK 953,87	SEK 296 470,86
Month 125	SEK 1 793,19	SEK 842,01	SEK 951,18	SEK 295 628,85
Month 126	SEK 1 793,19	SEK 844,71	SEK 948,48	SEK 294 784,14
Month 127	SEK 1 793,19	SEK 847,42	SEK 945,77	SEK 293 936,72
Month 128	SEK 1 793,19	SEK 850,14	SEK 943,05	SEK 293 086,58
Month 129	SEK 1 793,19	SEK 852,87	SEK 940,32	SEK 292 233,71
Month 130	SEK 1 793,19	SEK 855,61	SEK 937,58	SEK 291 378,10
Month 131	SEK 1 793,19	SEK 858,35	SEK 934,84	SEK 290 519,75
Month 132	SEK 1 793,19	SEK 861,11	SEK 932,08	SEK 289 658,64
Month 133	SEK 1 793,19	SEK 863,87	SEK 929,32	SEK 288 794,77
Month 134	SEK 1 793,19	SEK 866,64	SEK 926,55	SEK 287 928,13
Month 135	SEK 1 793,19	SEK 869,42	SEK 923,77	SEK 287 058,71
Month 136	SEK 1 793,19	SEK 872,21	SEK 920,98	SEK 286 186,50
Month 137	SEK 1 793,19	SEK 875,01	SEK 918,18	SEK 285 311,49
Month 138	SEK 1 793,19	SEK 877,82	SEK 915,37	SEK 284 433,67
Month 139	SEK 1 793,19	SEK 880,63	SEK 912,56	SEK 283 553,04
Month 140	SEK 1 793,19	SEK 883,46	SEK 909,73	SEK 282 669,58
Month 141	SEK 1 793,19	SEK 886,29	SEK 906,90	SEK 281 783,29
Month 142	SEK 1 793,19	SEK 889,14	SEK 904,05	SEK 280 894,15
Month 143	SEK 1 793,19	SEK 891,99	SEK 901,20	SEK 280 002,16
Month 144	SEK 1 793,19	SEK 894,85	SEK 898,34	SEK 279 107,31
Month 145	SEK 1 793,19	SEK 897,72	SEK 895,47	SEK 278 209,59
Month 146	SEK 1 793,19	SEK 900,60	SEK 892,59	SEK 277 308,99
Month 147	SEK 1 793,19	SEK 903,49	SEK 889,70	SEK 276 405,50
Month 148	SEK 1 793,19	SEK 906,39	SEK 886,80	SEK 275 499,11
Month 149	SEK 1 793,19	SEK 909,30	SEK 883,89	SEK 274 589,81
Month 150	SEK 1 793,19	SEK 912,21	SEK 880,98	SEK 273 677,60
Month 151	SEK 1 793,19	SEK 915,14	SEK 878,05	SEK 272 762,46
Month 152	SEK 1 793,19	SEK 918,08	SEK 875,11	SEK 271 844,38
Month 153	SEK 1 793,19	SEK 921,02	SEK 872,17	SEK 270 923,36
Month 154	SEK 1 793,19	SEK 923,98	SEK 869,21	SEK 269 999,38
Month 155	SEK 1 793,19	SEK 926,94	SEK 866,25	SEK 269 072,44
Month 156	SEK 1 793,19	SEK 929,92	SEK 863,27	SEK 268 142,52
Month 157	SEK 1 793,19	SEK 932,90	SEK 860,29	SEK 267 209,62
Month 158	SEK 1 793,19	SEK 935,89	SEK 857,30	SEK 266 273,73
Month 159	SEK 1 793,19	SEK 938,90	SEK 854,29	SEK 265 334,83
Month 160	SEK 1 793,19	SEK 941,91	SEK 851,28	SEK 264 392,92
Month 161	SEK 1 793,19	SEK 944,93	SEK 848,26	SEK 263 447,99
Month 162	SEK 1 793,19	SEK 947,96	SEK 845,23	SEK 262 500,03
Month 163	SEK 1 793,19	SEK 951,00	SEK 842,19	SEK 261 549,03
Month 164	SEK 1 793,19	SEK 954,05	SEK 839,14	SEK 260 594,98
Month 165	SEK 1 793,19	SEK 957,11	SEK 836,08	SEK 259 637,87
Month 166	SEK 1 793,19	SEK 960,19	SEK 833,00	SEK 258 677,68
Month 167	SEK 1 793,19	SEK 963,27	SEK 829,92	SEK 257 714,41
Month 168	SEK 1 793,19	SEK 966,36	SEK 826,83	SEK 256 748,05
Month 169	SEK 1 793,19	SEK 969,46	SEK 823,73	SEK 255 778,59
Month 170	SEK 1 793,19	SEK 972,57	SEK 820,62	SEK 254 806,02
Month 171	SEK 1 793,19	SEK 975,69	SEK 817,50	SEK 253 830,33
Month 172	SEK 1 793,19	SEK 978,82	SEK 814,37	SEK 252 851,51
Month 173	SEK 1 793,19	SEK 981,96	SEK 811,23	SEK 251 869,55
Month 174	SEK 1 793,19	SEK 985,11	SEK 808,08	SEK 250 884,44
Month 175	SEK 1 793,19	SEK 988,27	SEK 804,92	SEK 249 896,17
Month 176	SEK 1 793,19	SEK 991,44	SEK 801,75	SEK 248 904,73
Month 177	SEK 1 793,19	SEK 994,62	SEK 798,57	SEK 247 910,11
Month 178	SEK 1 793,19	SEK 997,81	SEK 795,38	SEK 246 912,30
Month 179	SEK 1 793,19	SEK 1 001,01	SEK 792,18	SEK 245 911,29
Month 180	SEK 1 793,19	SEK 1 004,22	SEK 788,97	SEK 244 907,07
Month 181	SEK 1 793,19	SEK 1 007,45	SEK 785,74	SEK 243 899,62
Month 182	SEK 1 793,19	SEK 1 010,68	SEK 782,51	SEK 242 888,94
Month 183	SEK 1 793,19	SEK 1 013,92	SEK 779,27	SEK 241 875,02
Month 184	SEK 1 793,19	SEK 1 017,17	SEK 776,02	SEK 240 857,85
Month 185	SEK 1 793,19	SEK 1 020,44	SEK 772,75	SEK 239 837,41
Month 186	SEK 1 793,19	SEK 1 023,71	SEK 769,48	SEK 238 813,70
Month 187	SEK 1 793,19	SEK 1 027,00	SEK 766,19	SEK 237 786,70
Month 188	SEK 1 793,19	SEK 1 030,29	SEK 762,90	SEK 236 756,41
Month 189	SEK 1 793,19	SEK 1 033,60	SEK 759,59	SEK 235 722,81
Month 190	SEK 1 793,19	SEK 1 036,91	SEK 756,28	SEK 234 685,90
Month 191	SEK 1 793,19	SEK 1 040,24	SEK 752,95	SEK 233 645,66
Month 192	SEK 1 793,19	SEK 1 043,58	SEK 749,61	SEK 232 602,08
Month 193	SEK 1 793,19	SEK 1 046,92	SEK 746,27	SEK 231 555,16
Month 194	SEK 1 793,19	SEK 1 050,28	SEK 742,91	SEK 230 504,88
Month 195	SEK 1 793,19	SEK 1 053,65	SEK 739,54	SEK 229 451,23
Month 196	SEK 1 793,19	SEK 1 057,03	SEK 736,16	SEK 228 394,20
Month 197	SEK 1 793,19	SEK 1 060,43	SEK 732,76	SEK 227 333,77
Month 198	SEK 1 793,19	SEK 1 063,83	SEK 729,36	SEK 226 269,94
Month 199	SEK 1 793,19	SEK 1 067,24	SEK 725,95	SEK 225 202,70
Month 200	SEK 1 793,19	SEK 1 070,66	SEK 722,53	SEK 224 132,04
Month 201	SEK 1 793,19	SEK 1 074,10	SEK 719,09	SEK 223 057,94
Month 202	SEK 1 793,19	SEK 1 077,55	SEK 715,64	SEK 221 980,39
Month 203	SEK 1 793,19	SEK 1 081,00	SEK 712,19	SEK 220 899,39
Month 204	SEK 1 793,19	SEK 1 084,47	SEK 708,72	SEK 219 814,92
Month 205	SEK 1 793,19	SEK 1 087,95	SEK 705,24	SEK 218 726,97
Month 206	SEK 1 793,19	SEK 1 091,44	SEK 701,75	SEK 217 635,53
Month 207	SEK 1 793,19	SEK 1 094,94	SEK 698,25	SEK 216 540,59
Month 208	SEK 1 793,19	SEK 1 098,46	SEK 694,73	SEK 215 442,13
Month 209	SEK 1 793,19	SEK 1 101,98	SEK 691,21	SEK 214 340,15
Month 210	SEK 1 793,19	SEK 1 105,52	SEK 687,67	SEK 213 234,63
Month 211	SEK 1 793,19	SEK 1 109,06	SEK 684,13	SEK 212 125,57
Month 212	SEK 1 793,19	SEK 1 112,62	SEK 680,57	SEK 211 012,95
Month 213	SEK 1 793,19	SEK 1 116,19	SEK 677,00	SEK 209 896,76
Month 214	SEK 1 793,19	SEK 1 119,77	SEK 673,42	SEK 208 776,99
Month 215	SEK 1 793,19	SEK 1 123,36	SEK 669,83	SEK 207 653,63
Month 216	SEK 1 793,19	SEK 1 126,97	SEK 666,22	SEK 206 526,66
Month 217	SEK 1 793,19	SEK 1 130,58	SEK 662,61	SEK 205 396,08
Month 218	SEK 1 793,19	SEK 1 134,21	SEK 658,98	SEK 204 261,87
Month 219	SEK 1 793,19	SEK 1 137,85	SEK 655,34	SEK 203 124,02
Month 220	SEK 1 793,19	SEK 1 141,50	SEK 651,69	SEK 201 982,52
Month 221	SEK 1 793,19	SEK 1 145,16	SEK 648,03	SEK 200 837,36
Month 222	SEK 1 793,19	SEK 1 148,84	SEK 644,35	SEK 199 688,52
Month 223	SEK 1 793,19	SEK 1 152,52	SEK 640,67	SEK 198 536,00
Month 224	SEK 1 793,19	SEK 1 156,22	SEK 636,97	SEK 197 379,78
Month 225	SEK 1 793,19	SEK 1 159,93	SEK 633,26	SEK 196 219,85
Month 226	SEK 1 793,19	SEK 1 163,65	SEK 629,54	SEK 195 056,20
Month 227	SEK 1 793,19	SEK 1 167,38	SEK 625,81	SEK 193 888,82
Month 228	SEK 1 793,19	SEK 1 171,13	SEK 622,06	SEK 192 717,69
Month 229	SEK 1 793,19	SEK 1 174,89	SEK 618,30	SEK 191 542,80
Month 230	SEK 1 793,19	SEK 1 178,66	SEK 614,53	SEK 190 364,14
Month 231	SEK 1 793,19	SEK 1 182,44	SEK 610,75	SEK 189 181,70
Month 232	SEK 1 793,19	SEK 1 186,23	SEK 606,96	SEK 187 995,47
Month 233	SEK 1 793,19	SEK 1 190,04	SEK 603,15	SEK 186 805,43
Month 234	SEK 1 793,19	SEK 1 193,86	SEK 599,33	SEK 185 611,57
Month 235	SEK 1 793,19	SEK 1 197,69	SEK 595,50	SEK 184 413,88
Month 236	SEK 1 793,19	SEK 1 201,53	SEK 591,66	SEK 183 212,35
Month 237	SEK 1 793,19	SEK 1 205,38	SEK 587,81	SEK 182 006,97
Month 238	SEK 1 793,19	SEK 1 209,25	SEK 583,94	SEK 180 797,72
Month 239	SEK 1 793,19	SEK 1 213,13	SEK 580,06	SEK 179 584,59
Month 240	SEK 1 793,19	SEK 1 217,02	SEK 576,17	SEK 178 367,57
Month 241	SEK 1 793,19	SEK 1 220,93	SEK 572,26	SEK 177 146,64
Month 242	SEK 1 793,19	SEK 1 224,84	SEK 568,35	SEK 175 921,80
Month 243	SEK 1 793,19	SEK 1 228,77	SEK 564,42	SEK 174 693,03
Month 244	SEK 1 793,19	SEK 1 232,72	SEK 560,47	SEK 173 460,31
Month 245	SEK 1 793,19	SEK 1 236,67	SEK 556,52	SEK 172 223,64
Month 246	SEK 1 793,19	SEK 1 240,64	SEK 552,55	SEK 170 983,00
Month 247	SEK 1 793,19	SEK 1 244,62	SEK 548,57	SEK 169 738,38
Month 248	SEK 1 793,19	SEK 1 248,61	SEK 544,58	SEK 168 489,77
Month 249	SEK 1 793,19	SEK 1 252,62	SEK 540,57	SEK 167 237,15
Month 250	SEK 1 793,19	SEK 1 256,64	SEK 536,55	SEK 165 980,51
Month 251	SEK 1 793,19	SEK 1 260,67	SEK 532,52	SEK 164 719,84
Month 252	SEK 1 793,19	SEK 1 264,71	SEK 528,48	SEK 163 455,13
Month 253	SEK 1 793,19	SEK 1 268,77	SEK 524,42	SEK 162 186,36
Month 254	SEK 1 793,19	SEK 1 272,84	SEK 520,35	SEK 160 913,52
Month 255	SEK 1 793,19	SEK 1 276,93	SEK 516,26	SEK 159 636,59
Month 256	SEK 1 793,19	SEK 1 281,02	SEK 512,17	SEK 158 355,57
Month 257	SEK 1 793,19	SEK 1 285,13	SEK 508,06	SEK 157 070,44
Month 258	SEK 1 793,19	SEK 1 289,26	SEK 503,93	SEK 155 781,18
Month 259	SEK 1 793,19	SEK 1 293,39	SEK 499,80	SEK 154 487,79
Month 260	SEK 1 793,19	SEK 1 297,54	SEK 495,65	SEK 153 190,25
Month 261	SEK 1 793,19	SEK 1 301,70	SEK 491,49	SEK 151 888,55
Month 262	SEK 1 793,19	SEK 1 305,88	SEK 487,31	SEK 150 582,67
Month 263	SEK 1 793,19	SEK 1 310,07	SEK 483,12	SEK 149 272,60
Month 264	SEK 1 793,19	SEK 1 314,27	SEK 478,92	SEK 147 958,33
Month 265	SEK 1 793,19	SEK 1 318,49	SEK 474,70	SEK 146 639,84
Month 266	SEK 1 793,19	SEK 1 322,72	SEK 470,47	SEK 145 317,12
Month 267	SEK 1 793,19	SEK 1 326,96	SEK 466,23	SEK 143 990,16
Month 268	SEK 1 793,19	SEK 1 331,22	SEK 461,97	SEK 142 658,94
Month 269	SEK 1 793,19	SEK 1 335,49	SEK 457,70	SEK 141 323,45
Month 270	SEK 1 793,19	SEK 1 339,78	SEK 453,41	SEK 139 983,67
Month 271	SEK 1 793,19	SEK 1 344,08	SEK 449,11	SEK 138 639,59
Month 272	SEK 1 793,19	SEK 1 348,39	SEK 444,80	SEK 137 291,20
Month 273	SEK 1 793,19	SEK 1 352,71	SEK 440,48	SEK 135 938,49
Month 274	SEK 1 793,19	SEK 1 357,05	SEK 436,14	SEK 134 581,44
Month 275	SEK 1 793,19	SEK 1 361,41	SEK 431,78	SEK 133 220,03
Month 276	SEK 1 793,19	SEK 1 365,78	SEK 427,41	SEK 131 854,25
Month 277	SEK 1 793,19	SEK 1 370,16	SEK 423,03	SEK 130 484,09
Month 278	SEK 1 793,19	SEK 1 374,55	SEK 418,64	SEK 129 109,54
Month 279	SEK 1 793,19	SEK 1 378,96	SEK 414,23	SEK 127 730,58
Month 280	SEK 1 793,19	SEK 1 383,39	SEK 409,80	SEK 126 347,19
Month 281	SEK 1 793,19	SEK 1 387,83	SEK 405,36	SEK 124 959,36
Month 282	SEK 1 793,19	SEK 1 392,28	SEK 400,91	SEK 123 567,08
Month 283	SEK 1 793,19	SEK 1 396,75	SEK 396,44	SEK 122 170,33
Month 284	SEK 1 793,19	SEK 1 401,23	SEK 391,96	SEK 120 769,10
Month 285	SEK 1 793,19	SEK 1 405,72	SEK 387,47	SEK 119 363,38
Month 286	SEK 1 793,19	SEK 1 410,23	SEK 382,96	SEK 117 953,15
Month 287	SEK 1 793,19	SEK 1 414,76	SEK 378,43	SEK 116 538,39
Month 288	SEK 1 793,19	SEK 1 419,30	SEK 373,89	SEK 115 119,09
Month 289	SEK 1 793,19	SEK 1 423,85	SEK 369,34	SEK 113 695,24
Month 290	SEK 1 793,19	SEK 1 428,42	SEK 364,77	SEK 112 266,82
Month 291	SEK 1 793,19	SEK 1 433,00	SEK 360,19	SEK 110 833,82
Month 292	SEK 1 793,19	SEK 1 437,60	SEK 355,59	SEK 109 396,22
Month 293	SEK 1 793,19	SEK 1 442,21	SEK 350,98	SEK 107 954,01
Month 294	SEK 1 793,19	SEK 1 446,84	SEK 346,35	SEK 106 507,17
Month 295	SEK 1 793,19	SEK 1 451,48	SEK 341,71	SEK 105 055,69
Month 296	SEK 1 793,19	SEK 1 456,14	SEK 337,05	SEK 103 599,55
Month 297	SEK 1 793,19	SEK 1 460,81	SEK 332,38	SEK 102 138,74
Month 298	SEK 1 793,19	SEK 1 465,49	SEK 327,70	SEK 100 673,25
Month 299	SEK 1 793,19	SEK 1 470,20	SEK 322,99	SEK 99 203,05
Month 300	SEK 1 793,19	SEK 1 474,91	SEK 318,28	SEK 97 728,14
Month 301	SEK 1 793,19	SEK 1 479,65	SEK 313,54	SEK 96 248,49
Month 302	SEK 1 793,19	SEK 1 484,39	SEK 308,80	SEK 94 764,10
Month 303	SEK 1 793,19	SEK 1 489,16	SEK 304,03	SEK 93 274,94
Month 304	SEK 1 793,19	SEK 1 493,93	SEK 299,26	SEK 91 781,01
Month 305	SEK 1 793,19	SEK 1 498,73	SEK 294,46	SEK 90 282,28
Month 306	SEK 1 793,19	SEK 1 503,53	SEK 289,66	SEK 88 778,75
Month 307	SEK 1 793,19	SEK 1 508,36	SEK 284,83	SEK 87 270,39
Month 308	SEK 1 793,19	SEK 1 513,20	SEK 279,99	SEK 85 757,19
Month 309	SEK 1 793,19	SEK 1 518,05	SEK 275,14	SEK 84 239,14
Month 310	SEK 1 793,19	SEK 1 522,92	SEK 270,27	SEK 82 716,22
Month 311	SEK 1 793,19	SEK 1 527,81	SEK 265,38	SEK 81 188,41
Month 312	SEK 1 793,19	SEK 1 532,71	SEK 260,48	SEK 79 655,70
Month 313	SEK 1 793,19	SEK 1 537,63	SEK 255,56	SEK 78 118,07
Month 314	SEK 1 793,19	SEK 1 542,56	SEK 250,63	SEK 76 575,51
Month 315	SEK 1 793,19	SEK 1 547,51	SEK 245,68	SEK 75 028,00
Month 316	SEK 1 793,19	SEK 1 552,48	SEK 240,71	SEK 73 475,52
Month 317	SEK 1 793,19	SEK 1 557,46	SEK 235,73	SEK 71 918,06
Month 318	SEK 1 793,19	SEK 1 562,45	SEK 230,74	SEK 70 355,61
Month 319	SEK 1 793,19	SEK 1 567,47	SEK 225,72	SEK 68 788,14
Month 320	SEK 1 793,19	SEK 1 572,49	SEK 220,70	SEK 67 215,65
Month 321	SEK 1 793,19	SEK 1 577,54	SEK 215,65	SEK 65 638,11
Month 322	SEK 1 793,19	SEK 1 582,60	SEK 210,59	SEK 64 055,51
Month 323	SEK 1 793,19	SEK 1 587,68	SEK 205,51	SEK 62 467,83
Month 324	SEK 1 793,19	SEK 1 592,77	SEK 200,42	SEK 60 875,06
Month 325	SEK 1 793,19	SEK 1 597,88	SEK 195,31	SEK 59 277,18
Month 326	SEK 1 793,19	SEK 1 603,01	SEK 190,18	SEK 57 674,17
Month 327	SEK 1 793,19	SEK 1 608,15	SEK 185,04	SEK 56 066,02
Month 328	SEK 1 793,19	SEK 1 613,31	SEK 179,88	SEK 54 452,71
Month 329	SEK 1 793,19	SEK 1 618,49	SEK 174,70	SEK 52 834,22
Month 330	SEK 1 793,19	SEK 1 623,68	SEK 169,51	SEK 51 210,54
Month 331	SEK 1 793,19	SEK 1 628,89	SEK 164,30	SEK 49 581,65
Month 332	SEK 1 793,19	SEK 1 634,12	SEK 159,07	SEK 47 947,53
Month 333	SEK 1 793,19	SEK 1 639,36	SEK 153,83	SEK 46 308,17
Month 334	SEK 1 793,19	SEK 1 644,62	SEK 148,57	SEK 44 663,55
Month 335	SEK 1 793,19	SEK 1 649,89	SEK 143,30	SEK 43 013,66
Month 336	SEK 1 793,19	SEK 1 655,19	SEK 138,00	SEK 41 358,47
Month 337	SEK 1 793,19	SEK 1 660,50	SEK 132,69	SEK 39 697,97
Month 338	SEK 1 793,19	SEK 1 665,83	SEK 127,36	SEK 38 032,14
Month 339	SEK 1 793,19	SEK 1 671,17	SEK 122,02	SEK 36 360,97
Month 340	SEK 1 793,19	SEK 1 676,53	SEK 116,66	SEK 34 684,44
Month 341	SEK 1 793,19	SEK 1 681,91	SEK 111,28	SEK 33 002,53
Month 342	SEK 1 793,19	SEK 1 687,31	SEK 105,88	SEK 31 315,22
Month 343	SEK 1 793,19	SEK 1 692,72	SEK 100,47	SEK 29 622,50
Month 344	SEK 1 793,19	SEK 1 698,15	SEK 95,04	SEK 27 924,35
Month 345	SEK 1 793,19	SEK 1 703,60	SEK 89,59	SEK 26 220,75
Month 346	SEK 1 793,19	SEK 1 709,07	SEK 84,12	SEK 24 511,68
Month 347	SEK 1 793,19	SEK 1 714,55	SEK 78,64	SEK 22 797,13
Month 348	SEK 1 793,19	SEK 1 720,05	SEK 73,14	SEK 21 077,08
Month 349	SEK 1 793,19	SEK 1 725,57	SEK 67,62	SEK 19 351,51
Month 350	SEK 1 793,19	SEK 1 731,10	SEK 62,09	SEK 17 620,41
Month 351	SEK 1 793,19	SEK 1 736,66	SEK 56,53	SEK 15 883,75
Month 352	SEK 1 793,19	SEK 1 742,23	SEK 50,96	SEK 14 141,52
Month 353	SEK 1 793,19	SEK 1 747,82	SEK 45,37	SEK 12 393,70
Month 354	SEK 1 793,19	SEK 1 753,43	SEK 39,76	SEK 10 640,27
Month 355	SEK 1 793,19	SEK 1 759,05	SEK 34,14	SEK 8 881,22
Month 356	SEK 1 793,19	SEK 1 764,70	SEK 28,49	SEK 7 116,52
Month 357	SEK 1 793,19	SEK 1 770,36	SEK 22,83	SEK 5 346,16
Month 358	SEK 1 793,19	SEK 1 776,04	SEK 17,15	SEK 3 570,12
Month 359	SEK 1 793,19	SEK 1 781,74	SEK 11,45	SEK 1 788,38
Month 360	SEK 1 793,19	SEK 1 787,45	SEK 5,74	SEK 0,93

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 2 800,64	SEK 121 615,32	Save SEK 141 434,01
360 Months (30 Years)	SEK 1 793,19	SEK 263 049,33	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 1 793,19

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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