Housing loan rates in Sweden fell further in July 2026, with the average variable mortgage rate for new agreements dropping to 2.74%. Loans with binding terms of three months to one year saw a 0.05 percentage point decline to 2.79%, while those with binding terms over five years fell to 3.21%. The growth rate for housing loans rose to 3.4% in July. Statistician Olha Borgelin noted the gap between variable and fixed rates narrowed. Total loans from monetary financial institutions (MFI) to households grew by 3.3%, with housing loans accounting for 83% of total household borrowing. Non-financial corporate loans expanded by 3.5% compared to July 2025. Total outstanding loans to households and non-financial corporations reached 8,356 billion SEK, with housing loans making up 4,334 billion SEK, of which 77% had variable rates.
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