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Statistik › Globala marknader och börser › Swedish LTV cap

Sweden's mortgage cap stopped being 85 per cent on 1 April 2026 and became a statutory 90 per cent

RuleBefore 1 April 2026From 1 April 2026
Loan to value on purchase85 per cent, a general guideline that borrowing should be limited90 per cent, a statutory limit that may not be exceeded
Additional borrowingno separate limit80 per cent
Mortgage equity withdrawalno separate limit80 per cent
Amortisation above 4.5 times gross incomeextra 1 per cent a year, from 1 March 2018removed
Amortisation by loan to value band1 per cent above 50 up to 70, 2 per cent above 70unchanged
Debt service to income capingeningen
Maturity capingeningen
Speed limit or exemption allowanceingeningen

The old rules are FFFS 2010:2, FFFS 2016:33, FFFS 2016:16 and FFFS 2017:23. The new rule is lag 2026:226, whose text reads that the loan to value ratio may not exceed 90 per cent when a residential mortgage loan is granted for the acquisition of a property.

The 85 per cent loan to value limit that stood from October 2010 was repealed on 31 March 2026. From 1 April 2026 a statute sets 90 per cent for purchases, 80 per cent for additional borrowing and equity withdrawal, and the income multiple amortisation rule is gone.

90%New statutory cap on purchase
80%Cap on additional borrowing and equity withdrawal
85%Old cap, in force from October 2010
almost 40%Home buyers sitting at the old 85 per cent limit

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