Nordic · SEKLoans in Sweden: compare current bank rates
8
institutions
15
products
6.49%
personal from
3.50%
mortgage from
Sweden is the largest Nordic credit market, with mortgages dominated by major banks — SEB, Swedbank, Handelsbanken, SBAB — and rates that follow the Riksbank’s policy rate rather than EURIBOR, since Sweden keeps the krona. Variable mortgages commonly reprice every three months.
Swedish rules add borrower protections worth knowing: loan-to-value caps and mandatory amortisation requirements tied to LTV and income. A personal identity number (personnummer) is effectively a prerequisite for mainstream credit.
Current offers in Sweden
SBAB
GovernmentSEBolån (Government Bank)
🏠 Mortgage3.50%
APR from
up to 5.60%
Loan Range
kr.200K – kr.15.0M
Term
5 yrs – 30 yrs
Representative Example
kr.10K over 5 yrs = €182/mo · Total: €10,915
at 3.50% APR
Länsförsäkringar
InsuranceSEBolån
🏠 Mortgage3.60%
APR from
up to 5.85%
Loan Range
kr.200K – kr.12.0M
Term
5 yrs – 30 yrs
Representative Example
kr.10K over 5 yrs = €182/mo · Total: €10,942
at 3.60% APR
Skandia
InsuranceSEBolån
🏠 Mortgage3.65%
APR from
up to 5.80%
Loan Range
kr.200K – kr.15.0M
Term
5 yrs – 30 yrs
Representative Example
kr.10K over 5 yrs = €183/mo · Total: €10,955
at 3.65% APR
Nordea
BankSEBolån
🏠 Mortgage3.70%
APR from
up to 6.00%
Loan Range
kr.200K – kr.15.0M
Term
5 yrs – 30 yrs
Representative Example
kr.10K over 5 yrs = €183/mo · Total: €10,969
at 3.70% APR
SEB
BankSEBolån
🏠 Mortgage3.85%
APR from
up to 6.10%
Loan Range
kr.200K – kr.20.0M
Term
5 yrs – 30 yrs
Representative Example
kr.10K over 5 yrs = €183/mo · Total: €11,009
at 3.85% APR
Handelsbanken
BankSEBolån
🏠 Mortgage3.95%
APR from
up to 6.25%
Loan Range
kr.300K – kr.25.0M
Term
5 yrs – 30 yrs
Representative Example
kr.10K over 5 yrs = €184/mo · Total: €11,036
at 3.95% APR
SEB
BankSEFöretagskredit
🏢 Business Loan4.75%
APR from
up to 10.50%
Loan Range
kr.200K – kr.20.0M
Term
1 yr – 8 yrs
Representative Example
kr.10K over 5 yrs = €188/mo · Total: €11,254
at 4.75% APR
Nordea
BankSEFöretagslån
🏢 Business Loan5.00%
APR from
up to 11.50%
Loan Range
kr.100K – kr.10.0M
Term
1 yr – 10 yrs
Representative Example
kr.10K over 5 yrs = €189/mo · Total: €11,323
at 5.00% APR
Handelsbanken
BankSEFöretagslån
🏢 Business Loan5.25%
APR from
up to 11.00%
Loan Range
kr.200K – kr.15.0M
Term
1 yr – 8 yrs
Representative Example
kr.10K over 5 yrs = €190/mo · Total: €11,392
at 5.25% APR
Nordea
BankSEPrivatlån
👤 Personal Loan6.49%
APR from
up to 17.99%
Loan Range
kr.10K – kr.600K
Term
1 yr – 10 yrs
Representative Example
kr.10K over 5 yrs = €196/mo · Total: €11,737
at 6.49% APR
Länsförsäkringar
InsuranceSEPrivatlån
👤 Personal Loan6.90%
APR from
up to 16.90%
Loan Range
kr.10K – kr.350K
Term
1 yr – 8 yrs
Representative Example
kr.10K over 5 yrs = €198/mo · Total: €11,852
at 6.90% APR
SBAB
GovernmentSEPrivatlån
👤 Personal Loan6.99%
APR from
up to 17.90%
Loan Range
kr.10K – kr.500K
Term
1 yr – 8 yrs
Representative Example
kr.10K over 5 yrs = €198/mo · Total: €11,878
at 6.99% APR
Borrowing in Sweden — FAQ
Does Sweden use EURIBOR?+
No — Sweden is outside the eurozone. Mortgage pricing follows Swedish conditions, ultimately anchored to the Riksbank policy rate; the common variable product reprices every three months.
What are Sweden’s amortisation requirements?+
Regulations require minimum annual amortisation depending on your loan-to-value ratio, with stricter requirements when borrowing is high relative to income. This affects your monthly cost more than small rate differences.
Can I borrow without a personnummer?+
It is very difficult. Mainstream lenders require a Swedish personal identity number, local income and usually credit history via UC. New arrivals typically need to establish these first.
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