Housing Loans 2026: Interest Rates, Conditions and Tips

Everything you need to know about housing loans this year.

Interest Rates in 2026

Currently, the average fixed interest rate is 3.5-4.2%, while variable rates start from 2.8%. The ECB base rate has stabilized.

Bank Comparison

• SEB: fixed from 3.6%, variable from 2.9%
• Swedbank: fixed from 3.5%, variable from 2.8%
• Luminor: fixed from 3.8%, variable from 3.0%

Tips for First-Time Buyers

• Save at least 15% for a down payment
• Compare at least 3 bank offers
• Account for additional costs: insurance, appraisal, notary
• Fixed rates provide stability for long-term housing