At Swedbank and Nordea, the floating average interest rate (three months) is 3.74 percent, compared to around 4.10 percent on average in October. Handelsbanken offers 3.86 percent, while SEB in November only lowered the average interest rate by approximately 0.10 percentage points to 3.93 percent.
The state-owned smaller player SBAB is clearly lower, where the average interest rate was 3.60 percent.
Thus, there is quite a lot of variation among the banks' offers, which suggests that it may be worthwhile to compare them.
Over the past year, the floating interest rate has thus decreased by around one percentage point, while the average two-year interest rate has fallen by approximately 1.50 percentage points.
However, the fixed interest rate has now stopped falling. The average interest rate on a two-year loan at the major banks is now just under three percent, largely unchanged compared to October.
The banks' list rates, the rates used in marketing, are around one percentage point higher.
The Swedish Central Bank lowered the repo rate by 0.50 percentage points to 2.75 percent in mid-November. The repo rate is the one that primarily affects the banks' floating mortgage interest rates.
