According to Sharon Lavie's calculations, the Swedish Central Bank's reduction, if the banks follow, means 625 kronor per month for a loan of 3 million kronor.
It's a bit lower, but households must still be cautious. There are a lot of uncertainties in the world, we still have high unemployment, so it can turn quickly, she says.
Sharon Lavie thinks that those who are facing taking a housing loan should not be "carried away" by the fact that the interest rate is lowered, but instead should avoid maximizing their loan.
Build buffer
Those who have variable mortgages and now get a little more in their pocket think she should focus on building up a buffer and making sure they have margins.
If you are one of those who recently tied up their loan, it may feel sour, but try to land on the fact that you made that decision because you want to have security in your economy going forward, she says.
Länsförsäkringar's private economist, Stefan Westerberg, urges those who are thinking of taking a mortgage not to "pre-purchase themselves".
One must be able to afford to pay the bills every month even if the interest rate goes up, he says.
As a consumer, one should take advantage of the situation, be price-conscious and "expose their bank to competition" by comparing different banks' interest rates, says Stefan Westerberg.
Stock market better
For those who have a mortgage with a variable interest rate and hopefully will get to keep a few extra hundred kronor in their pocket soon, the first step is to ensure that they have a sufficient buffer.
It's the life jacket you need if something unexpected happens and the money should be somewhere where it's quickly available. Of course, one should make sure to reduce their loan, but when it comes to long-term savings, the stock market has historically been better in the long run than making extra amortizations.
What a reasonable buffer is varies from person to person.
I usually say two months' salaries, but if you're young, without children, and live in a rental apartment, it may be enough with one month's salary. If you have children, live in a house, and have a car, three to four months' salaries are reasonable, says Stefan Westerberg.
