Swedish mortgage rates shifted in November 2025 as the average variable rate slipped to 2.68 % from 2.79 % in October, while rates tied for more than five years climbed to 3.21 % – a 0.12‑percentage‑point rise. The growth rate of new housing loans was 2.7 %. In the same month, monetary finance institutions (MFI) recorded a 2.8 % annual increase in total household lending, with housing loans making up 83 % of that figure. New household mortgage agreements averaged 2.71 %, and fixed‑term mortgages between one and five years averaged 2.89 %. MFI lending to non‑financial firms grew 3.5 % year on year. Source: SCB.
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