The Swedish Central Bank says it has lowered clearly and has not signaled higher interest rates either. This speaks for stable variable mortgage rates the coming year.
But at the same time. The surroundings are uncertain, with war and tariffs that affect both the world economy and the Swedish one.
"Given our forecast of mortgage rates with different binding times, it seems cheap to insure oneself against unexpected interest rate movements by choosing a fixed rate", writes Robert Boije, chief economist at SBAB.
Currently, all banks' variable average rates are around 2.6 percent. Mortgage rates with slightly longer binding times are around 3 percent. The latter, which are controlled by other factors than the Swedish Central Bank rate, are on their way up, to maybe around four percent in a year or two, according to the forecast.
For those who want to insure themselves, have small margins and do not plan to move in the coming years, it may therefore be time to bind the rate now, according to Boije.
What do you think?