There is an average difference of 1.1 percentage points between the major banks' listed interest rate and the average interest rate. In Swedish kronor, this is a difference of around 11,600 kronor per year for a loan of one million kronor for someone who has the listed interest rate instead of the same bank's average interest rate.
I think there are quite a few people who don't really know what their interest rate is and whether their interest discount has ended, says Christina Sahlberg.
She advises checking what interest rates banks with fixed pricing offer. It may be enough to check the websites of banks such as SBAB, Skandia and Landshypotek.
Then you can check it first because then you have something to say to your bank - if I can get this from them, can I get it from you too?
SBAB's chief economist Robert Boije notes that it is difficult to do anything about the interest costs that you have in the short term. However, he highlights that changing banks may be the best solution. His best advice to those with variable interest rates is to constantly look around among the banks for a better mortgage rate.
If I can get a better interest rate, then I will move my loans to another bank.
