It is mainly the uncertainty surrounding the war in the Middle East and its impact on oil prices that is driving the economic outlook right now.
"However, we choose to be optimistic about a de-escalation of the conflict and stand by our assessment that the policy rate will remain unchanged during the year," says Boije of the state-owned bank SBAB.
Even if that happens, mortgage rates may move up or down depending on how market interest rates develop.
The bank predicts that housing prices will rise by just over 4 percent in 2026, slightly lower than previous assessments.
