Annuity loan or straight-line amortisation?
With an annuity loan, the regular payment is normally the same while the interest rate is unchanged. With straight-line amortisation, the principal repayment is the same each month and the interest cost falls as the outstanding balance decreases.
Interest and amortisation
Interest is the cost of borrowing and is calculated on the remaining loan balance. Amortisation reduces the principal itself. A shorter term normally means a higher monthly payment but a lower total interest cost.
Swedish mortgage rules from 1 April 2026
For a new home purchase, a mortgage can normally be up to 90 percent of the market value. The previous additional amortisation requirement linked to debt-to-income ratio has been removed. Banks still perform their own credit assessment.
Common questions
How is the monthly payment calculated?
It depends on the loan amount, interest rate, repayment term and the amortisation method you choose.
What happens if the interest rate rises?
A higher interest rate increases the interest cost and therefore the payment. The calculator uses the rate you enter and does not predict future rate changes.
Are bank fees included?
No. The result shows interest and amortisation. Arrangement fees, invoice fees and other bank charges need to be added separately.