New Swedish mortgage rules 2026: what changed and what applies now
Christoffer Ohlander
From 1 April 2026, new mortgage rules apply in Sweden (Lag 2026:226). The down payment drops from 15 to 10 %, the tightened amortisation requirement for high debt-to-income ratios is abolished, and top-up loans are capped at 80 % of the property value.
Christoffer, founder BoKalk
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