Financial market statistics, January 2026

The proportion of floating-rate mortgages continues to increase

Statistical news from Statistics Sweden 2026-02-26 8.00

Mortgage interest rates across all maturities increased marginally in January 2026. The average floating interest rate for housing loans increased to 2.66 percent, compared with 2.65 percent in December 2025. At the same time, the proportion of mortgages with floating interest rate increased and, for the first time, exceeded 75 percent.

- In January, over 75 percent of household mortgages had a floating interest rate, which is the highest level recorded in the statistics, says Andrea Schöldtz, economist at Statistics Sweden (SCB).

Developments in January 2026 summarized

Lending

The annual growth rate for total lending from monetary financial institutions (MFI) to households amounted to 3.0 percent in January 2026. Housing loans, which represent 83 percent of total lending to households, had a growth rate of 2.9 percent. Consumer loans, which accounted for 6 percent of household lending in January, had a growth rate of 3.2 percent.

Lending to non-financial corporations had an annual growth rate of 3.7 percent in January, compared with -0.5 percent in the same month last year.

In total, lending from MFI to households and non-financial corporations reached SEK 8 164 billion in January. Of this amount, loans to households accounted for 63 percent and loans to non-financial corporations accounted for 37 percent. Housing loans, outstanding agreements, amounted to SEK 4 258 billion, of which 75 percent (SEK 3 203 billion) had a floating interest rate.

Lending to households and non-financial corporations, annual growth rate

	Households, total	Households, consumption	Households, housing	Non-financial corporations, total
2006-01-31	12.7	8.9	15.0	10.5
2006-02-28	12.8	9.2	15.1	11.9
2006-03-31	13.1	9.0	15.3	11.5
2006-04-30	12.9	7.4	15.1	11.5
2006-05-31	12.8	7.4	15.0	13.3
2006-06-30	12.8	7.9	14.9	11.9
2006-07-31	12.5	8.2	14.5	12.5
2006-08-31	12.5	8.8	14.3	12.8
2006-09-30	12.3	11.0	13.9	9.7
2006-10-31	12.0	10.6	13.6	10.9
2006-11-30	11.8	10.6	13.4	11.3
2006-12-31	11.9	14.2	13.0	7.5
2007-01-31	11.7	13.2	12.9	11.6
2007-02-28	11.6	12.6	12.9	9.4
2007-03-31	11.4	12.6	12.7	10.4
2007-04-30	11.4	13.1	12.7	10.0
2007-05-31	11.5	13.9	12.8	10.4
2007-06-30	11.4	13.3	12.6	10.3
2007-07-31	11.3	12.6	12.6	11.2
2007-08-31	11.4	12.3	12.8	12.2
2007-09-30	11.2	13.0	12.5	12.5
2007-10-31	11.3	12.7	12.7	12.5
2007-11-30	11.5	12.7	12.8	12.6
2007-12-31	10.8	10.1	12.6	17.6
2008-01-31	11.1	12.1	12.6	14.8
2008-02-29	11.3	11.9	12.8	14.6
2008-03-31	11.2	12.1	12.4	14.5
2008-04-30	11.2	10.9	12.5	15.4
2008-05-31	11.1	10.1	12.5	13.2
2008-06-30	10.9	9.9	12.1	13.9
2008-07-31	10.8	10.1	12.0	11.8
2008-08-31	10.5	10.8	11.6	10.9
2008-09-30	10.1	8.6	11.5	13.5
2008-10-31	9.7	7.6	11.0	13.4
2008-11-30	9.1	6.3	10.2	14.2
2008-12-31	8.9	6.6	10.1	10.9
2009-01-31	8.8	6.2	9.8	10.6
2009-02-28	8.5	6.8	9.5	11.6
2009-03-31	8.3	6.7	9.5	9.4
2009-04-30	8.1	7.1	9.4	7.6
2009-05-31	8.1	5.8	9.3	5.9
2009-06-30	7.9	4.6	9.3	5.3
2009-07-31	8.0	4.8	9.5	4.3
2009-08-31	8.2	4.6	9.4	3.7
2009-09-30	8.3	4.8	9.5	0.2
2009-10-31	8.7	5.8	9.8	-0.7
2009-11-30	9.0	6.8	10.1	-2.2
2009-12-31	9.3	6.5	10.3	-4.4
2010-01-31	9.3	6.0	10.3	-3.9
2010-02-28	9.3	5.5	10.5	-4.7
2010-03-31	9.3	5.0	10.5	-3.8
2010-04-30	9.2	5.0	10.3	-4.5
2010-05-31	9.1	5.8	10.1	-2.8
2010-06-30	8.9	5.5	9.9	-2.9
2010-07-31	8.9	4.4	9.8	-1.1
2010-08-31	8.8	5.2	9.7	-0.8
2010-09-30	8.8	4.2	9.5	-0.2
2010-10-31	8.5	4.4	9.2	1.6
2010-11-30	8.3	4.0	9.0	1.2
2010-12-31	7.9	3.3	8.7	1.9
2011-01-31	7.8	4.3	8.5	1.8
2011-02-28	7.6	4.4	8.0	2.0
2011-03-31	7.4	4.7	7.7	2.7
2011-04-30	7.2	5.1	7.4	3.3
2011-05-31	7.0	5.0	7.2	4.4
2011-06-30	6.7	5.8	6.8	5.1
2011-07-31	6.5	7.4	6.5	5.0
2011-08-31	6.2	6.1	6.3	5.1
2011-09-30	5.9	6.6	6.1	6.1
2011-10-31	5.7	6.6	5.8	4.1
2011-11-30	5.5	6.6	5.6	5.2
2011-12-31	5.2	6.1	5.4	6.7
2012-01-31	5.1	6.0	5.3	6.3
2012-02-29	5.0	5.6	5.2	5.8
2012-03-31	5.0	6.4	5.1	4.4
2012-04-30	4.8	6.1	5.0	5.3
2012-05-31	4.7	5.9	4.9	4.3
2012-06-30	4.7	5.6	4.8	3.6
2012-07-31	4.5	4.9	4.7	2.7
2012-08-31	4.5	5.4	4.7	2.8
2012-09-30	4.5	6.1	4.6	2.8
2012-10-31	4.5	5.8	4.6	2.8
2012-11-30	4.5	6.3	4.7	2.0
2012-12-31	4.6	5.0	4.6	1.7
2013-01-31	4.6	5.1	4.6	1.4
2013-02-28	4.7	5.8	4.7	1.4
2013-03-31	4.7	5.2	4.8	3.3
2013-04-30	4.8	5.3	4.8	2.3
2013-05-31	4.8	5.5	4.9	1.3
2013-06-30	4.8	4.7	4.9	1.3
2013-07-31	4.9	4.4	5.0	1.4
2013-08-31	4.9	4.6	5.1	1.8
2013-09-30	5.0	3.6	5.1	1.0
2013-10-31	5.0	3.8	5.2	1.3
2013-11-30	5.0	3.9	5.2	1.3
2013-12-31	5.1	4.6	5.3	1.2
2014-01-31	5.1	4.8	5.4	0.9
2014-02-28	5.1	4.1	5.4	1.6
2014-03-31	5.1	4.3	5.4	0.0
2014-04-30	5.2	4.2	5.5	1.4
2014-05-31	5.2	4.3	5.6	2.9
2014-06-30	5.5	4.6	5.7	2.9
2014-07-31	5.6	4.9	5.8	3.2
2014-08-31	5.7	4.7	5.9	3.3
2014-09-30	5.7	5.0	6.0	3.1
2014-10-31	5.9	5.0	6.1	3.7
2014-11-30	5.9	4.3	6.2	3.8
2014-12-31	6.0	3.4	6.4	3.8
2015-01-31	6.1	3.7	6.5	4.4
2015-02-28	6.3	3.7	6.6	4.9
2015-03-31	6.4	3.9	6.8	4.6
2015-04-30	6.5	3.8	7.0	3.8
2015-05-31	6.7	4.0	7.1	2.3
2015-06-30	6.9	3.9	7.4	2.5
2015-07-31	7.1	3.9	7.7	2.7
2015-08-31	7.1	3.4	7.8	2.3
2015-09-30	7.3	2.9	8.0	2.8
2015-10-31	7.3	3.0	8.1	3.0
2015-11-30	7.5	3.4	8.2	3.9
2015-12-31	7.7	5.1	8.4	3.9
2016-01-31	7.7	4.8	8.4	4.4
2016-02-29	7.7	4.8	8.4	4.0
2016-03-31	7.7	4.1	8.5	4.3
2016-04-30	7.8	4.7	8.5	5.0
2016-05-31	8.0	4.3	8.7	5.7
2016-06-30	7.9	4.5	8.6	6.9
2016-07-31	7.7	5.4	8.4	6.8
2016-08-31	7.6	5.4	8.2	6.7
2016-09-30	7.7	6.7	8.1	7.0
2016-10-31	7.4	6.7	7.8	5.9
2016-11-30	7.3	7.0	7.8	4.8
2016-12-31	7.2	6.6	7.6	4.7
2017-01-31	7.2	7.4	7.5	4.6
2017-02-28	7.2	6.7	7.6	4.7
2017-03-31	7.3	7.9	7.6	5.0
2017-04-30	7.0	7.5	7.3	4.8
2017-05-31	6.9	8.1	7.1	4.4
2017-06-30	7.1	10.3	7.2	3.5
2017-07-31	7.0	9.2	7.1	5.3
2017-08-31	7.1	9.4	7.2	4.4
2017-09-30	7.1	9.0	7.2	4.0
2017-10-31	7.1	8.2	7.3	3.7
2017-11-30	7.2	8.1	7.4	5.1
2017-12-31	7.1	8.3	7.2	5.9
2018-01-31	7.1	8.2	7.3	6.1
2018-02-28	7.0	8.8	7.2	6.0
2018-03-31	6.9	8.7	7.1	6.2
2018-04-30	6.8	8.4	7.1	5.8
2018-05-31	6.7	8.0	6.8	6.7
2018-06-30	6.3	7.2	6.5	7.0
2018-07-31	6.2	7.6	6.4	5.3
2018-08-31	6.2	8.1	6.3	6.3
2018-09-30	5.9	8.8	6.0	6.6
2018-10-31	5.8	9.4	5.9	7.3
2018-11-30	5.7	9.7	5.8	6.2
2018-12-31	5.6	9.8	5.6	6.0
2019-01-31	5.5	9.8	5.4	5.2
2019-02-28	5.3	10.3	5.2	5.8
2019-03-31	5.2	9.8	5.1	5.7
2019-04-30	5.2	9.4	5.0	5.9
2019-05-31	5.2	9.7	5.0	5.8
2019-06-30	5.1	9.3	4.9	5.1
2019-07-31	5.1	9.5	5.0	5.1
2019-08-31	5.1	9.6	4.9	4.7
2019-09-30	5.0	8.1	4.9	3.7
2019-10-31	5.1	8.5	5.0	4.0
2019-11-30	5.1	9.5	4.9	4.0
2019-12-31	5.1	9.5	4.9	3.3
2020-01-31	5.1	9.3	5.0	4.1
2020-02-29	5.2	9.8	5.0	3.4
2020-03-31	5.2	9.0	5.1	4.7
2020-04-30	5.2	8.7	5.3	5.5
2020-05-31	5.2	8.7	5.3	5.6
2020-06-30	5.2	7.4	5.4	5.1
2020-07-31	5.4	7.7	5.4	5.5
2020-08-31	5.3	7.7	5.3	5.5
2020-09-30	5.4	7.7	5.5	4.3
2020-10-31	5.5	7.7	5.5	3.8
2020-11-30	5.4	7.4	5.5	4.0
2020-12-31	5.6	5.4	5.7	3.9
2021-01-31	5.6	5.1	5.8	3.5
2021-02-28	5.7	5.1	5.8	3.1
2021-03-31	5.8	5.2	5.9	1.3
2021-04-30	5.9	5.9	5.9	0.7
2021-05-31	6.0	6.4	6.0	-0.5
2021-06-30	6.3	7.4	6.2	0.2
2021-07-31	6.4	7.4	6.4	0.5
2021-08-31	6.5	7.0	6.6	1.3
2021-09-30	6.7	7.6	6.7	2.7
2021-10-31	6.7	7.5	6.8	3.8
2021-11-30	6.7	7.2	6.9	4.1
2021-12-31	6.9	8.4	6.9	7.0
2022-01-31	6.8	7.8	6.8	6.8
2022-02-28	6.8	7.7	6.8	8.1
2022-03-31	6.8	8.3	6.9	10.6
2022-04-30	6.9	9.1	6.9	11.3
2022-05-31	6.6	8.1	6.7	13.0
2022-06-30	6.2	7.4	6.4	12.9
2022-07-31	6.0	7.5	6.2	13.3
2022-08-31	5.6	6.7	5.9	14.5
2022-09-30	5.1	5.7	5.4	15.4
2022-10-31	4.6	5.2	4.9	15.1
2022-11-30	4.2	5.2	4.5	15.0
2022-12-31	3.6	4.2	4.0	12.4
2023-01-31	3.2	3.9	3.7	13.6
2023-02-28	2.8	3.3	3.2	12.1
2023-03-31	2.3	2.9	2.8	9.5
2023-04-30	1.9	3.0	2.4	8.2
2023-05-31	1.6	2.8	2.0	6.9
2023-06-30	1.2	2.8	1.6	7.2
2023-07-31	1.0	3.0	1.3	6.2
2023-08-31	0.8	3.5	1.1	4.2
2023-09-30	0.8	4.7	0.9	3.3
2023-10-31	0.7	4.7	0.8	2.2
2023-11-30	0.6	4.5	0.7	1.2
2023-12-31	0.6	5.3	0.6	0.4
2024-01-31	0.6	5.4	0.5	-1.0
2024-02-29	0.6	5.5	0.6	-1.5
2024-03-31	0.7	6.7	0.5	-1.2
2024-04-30	0.6	5.1	0.5	-1.7
2024-05-31	0.8	5.8	0.6	-1.4
2024-06-30	0.9	6.0	0.6	-1.9
2024-07-31	0.9	4.9	0.7	-2.5
2024-08-31	1.1	5.2	0.9	-2.5
2024-09-30	1.2	5.0	0.9	-1.8
2024-10-31	1.4	5.0	1.1	-1.7
2024-11-30	1.6	6.8	1.3	-1.5
2024-12-31	1.6	4.8	1.4	-0.8
2025-01-31	1.8	4.6	1.6	-0.5
2025-02-28	2.0	5.2	1.8	0.3
2025-03-31	2.1	4.5	1.8	0.6
2025-04-30	2.3	4.9	2.0	1.5
2025-05-31	2.4	4.9	2.1	1.9
2025-06-30	2.4	4.0	2.2	1.6
2025-07-31	2.6	4.6	2.4	2.6
2025-08-31	2.7	5.1	2.4	2.7
2025-09-30	2.8	4.2	2.6	2.4
2025-10-31	2.9	4.4	2.7	2.9
2025-11-30	2.8	3.1	2.7	3.4
2025-12-31	2.9	3.3	2.9	3.5
2026-01-31	3.0	3.2	2.9	3.7

Source

Statistics Sweden

Housing loans from institutes other than MFIs on mortgage markets, known as mortgage credit companies, had an annual growth rate of -4.2 percent in January 2026. Mortgage credit companies accounted for 1.0 percent of total housing loans to households, corresponding to SEK 43 billion.

Deposits

MFIs’ total deposits from households continued to increase in January 2026 and reached SEK 2 888 billion. Demand deposits accounted for 75 percent of total deposits, corresponding to SEK 2 157 billion.

Notes and coins held by the Swedish non-bank public, previously defined as the money supply measurement M0, decreased to SEK 54 billion in January from SEK 56 billion in December. The money supply measure M3 amounted to SEK 5 213 billion and had an annual growth rate of 5.1 percent.

Interest rates on lending

The average interest rate on new agreements for housing loans to households increased slightly in January 2026 to 2.70 percent. The average floating interest rate on housing loans was 2.66 percent, an increase from 2.65 percent in December. For housing loans with maturities between one and five years, the average fixed interest rate rose to 2.98 percent in January 2026, compared with 2.93 percent in the previous month.

MFIs' lending rates to households for housing loans, new agreements

	Floating rate (up to 3 months)	Over 3 months up to 1 year	Over 1 year up to 5 years	Over 5 years
2006-01-31	2.68	3.11	3.69	4.30
2006-02-28	2.82	3.25	3.77	4.35
2006-03-31	3.00	3.21	3.78	4.38
2006-04-30	3.03	3.21	3.88	4.58
2006-05-31	3.02	3.43	3.86	4.67
2006-06-30	3.17	3.54	4.01	4.75
2006-07-31	3.26	3.64	4.08	4.79
2006-08-31	3.27	3.83	4.30	4.87
2006-09-30	3.46	3.91	4.35	4.80
2006-10-31	3.51	3.95	4.33	4.71
2006-11-30	3.65	3.94	4.30	4.68
2006-12-31	3.78	4.00	4.32	4.63
2007-01-31	3.83	4.12	4.47	4.73
2007-02-28	4.00	4.20	4.49	4.77
2007-03-31	4.04	4.19	4.51	4.76
2007-04-30	4.07	4.26	4.68	4.89
2007-05-31	4.10	4.35	4.77	4.97
2007-06-30	4.25	4.45	4.88	5.14
2007-07-31	4.29	4.53	5.06	5.30
2007-08-31	4.34	4.55	5.02	5.26
2007-09-30	4.58	4.72	5.00	5.25
2007-10-31	4.72	4.79	5.08	5.26
2007-11-30	4.91	4.86	5.08	5.30
2007-12-31	4.94	5.10	5.14	5.32
2008-01-31	4.91	4.96	5.02	5.28
2008-02-29	5.07	4.73	4.91	5.26
2008-03-31	5.17	5.07	5.04	5.33
2008-04-30	5.20	5.18	5.22	5.46
2008-05-31	5.24	5.15	5.39	5.58
2008-06-30	5.43	5.83	5.94	5.92
2008-07-31	5.68	5.98	6.13	6.14
2008-08-31	5.68	5.75	5.94	6.01
2008-09-30	6.10	5.86	5.95	5.94
2008-10-31	5.91	5.78	5.48	5.73
2008-11-30	5.57	4.80	4.75	5.49
2008-12-31	3.89	3.83	4.20	4.83
2009-01-31	3.26	3.00	3.52	4.65
2009-02-28	2.48	2.24	3.39	4.77
2009-03-31	2.22	2.09	3.29	4.71
2009-04-30	1.96	1.94	3.33	4.83
2009-05-31	1.91	1.74	3.46	5.01
2009-06-30	1.97	1.76	3.38	5.22
2009-07-31	1.77	1.85	3.23	5.15
2009-08-31	1.69	1.70	3.17	5.00
2009-09-30	1.60	1.73	3.01	4.67
2009-10-31	1.55	1.78	3.10	4.77
2009-11-30	1.51	1.68	3.12	4.66
2009-12-31	1.53	1.61	3.02	4.63
2010-01-31	1.55	1.59	3.02	4.69
2010-02-28	1.56	1.68	3.03	4.70
2010-03-31	1.57	1.72	3.19	4.79
2010-04-30	1.61	1.77	3.19	4.77
2010-05-31	1.72	1.87	3.10	4.59
2010-06-30	1.86	2.02	3.19	4.40
2010-07-31	2.05	2.15	3.24	4.41
2010-08-31	2.15	2.20	3.18	4.33
2010-09-30	2.31	2.25	3.26	4.24
2010-10-31	2.45	2.47	3.45	4.35
2010-11-30	2.68	2.66	3.51	4.60
2010-12-31	2.92	2.90	3.74	4.96
2011-01-31	3.13	3.15	3.99	5.16
2011-02-28	3.33	3.35	4.16	5.38
2011-03-31	3.57	3.55	4.38	5.50
2011-04-30	3.65	3.69	4.49	5.42
2011-05-31	3.72	3.71	4.35	5.30
2011-06-30	3.78	3.79	4.35	5.28
2011-07-31	3.90	3.81	4.30	5.25
2011-08-31	4.02	3.61	3.88	4.78
2011-09-30	4.04	3.52	3.69	4.54
2011-10-31	4.12	3.67	3.84	4.75
2011-11-30	4.13	3.64	3.69	4.77
2011-12-31	4.28	4.10	3.77	4.63
2012-01-31	4.17	4.07	3.57	4.62
2012-02-29	4.05	3.82	3.54	4.59
2012-03-31	3.93	3.95	3.55	4.57
2012-04-30	3.85	3.74	3.59	4.46
2012-05-31	3.78	3.70	3.51	4.30
2012-06-30	3.75	3.71	3.47	4.06
2012-07-31	3.74	3.59	3.38	4.01
2012-08-31	3.68	3.44	3.33	3.87
2012-09-30	3.43	3.32	3.22	3.87
2012-10-31	3.22	3.05	3.06	3.72
2012-11-30	3.10	2.90	2.95	3.64
2012-12-31	3.00	2.89	2.93	3.51
2013-01-31	2.85	2.76	2.96	3.55
2013-02-28	2.83	2.67	2.99	3.68
2013-03-31	2.81	2.73	3.00	3.74
2013-04-30	2.82	2.69	2.93	3.73
2013-05-31	2.73	2.60	2.83	3.60
2013-06-30	2.68	2.61	2.85	3.71
2013-07-31	2.68	2.63	2.88	3.88
2013-08-31	2.66	2.62	2.93	3.92
2013-09-30	2.64	2.62	3.04	4.10
2013-10-31	2.64	2.61	3.03	4.08
2013-11-30	2.59	2.54	2.89	4.01
2013-12-31	2.50	2.43	2.81	3.99
2014-01-31	2.41	2.30	2.76	3.95
2014-02-28	2.41	2.30	2.76	3.91
2014-03-31	2.40	2.27	2.70	3.97
2014-04-30	2.39	2.28	2.68	3.92
2014-05-31	2.39	2.27	2.66	3.88
2014-06-30	2.38	2.21	2.56	3.71
2014-07-31	2.20	2.07	2.41	3.49
2014-08-31	2.15	2.01	2.37	3.45
2014-09-30	2.14	2.01	2.32	3.39
2014-10-31	2.06	1.89	2.21	3.30
2014-11-30	1.91	1.82	2.05	2.92
2014-12-31	1.90	1.78	2.04	2.71
2015-01-31	1.87	1.78	2.02	2.72
2015-02-28	1.80	1.73	1.91	2.84
2015-03-31	1.72	1.64	1.81	2.37
2015-04-30	1.65	1.62	1.73	2.43
2015-05-31	1.64	1.61	1.76	2.44
2015-06-30	1.59	1.55	1.76	2.62
2015-07-31	1.58	1.49	1.78	2.78
2015-08-31	1.56	1.48	1.73	2.61
2015-09-30	1.55	1.52	1.67	2.60
2015-10-31	1.57	1.60	1.71	2.50
2015-11-30	1.57	1.52	1.70	2.49
2015-12-31	1.59	1.56	1.73	2.75
2016-01-31	1.60	1.58	1.73	2.61
2016-02-29	1.57	1.61	1.72	2.42
2016-03-31	1.59	1.62	1.71	2.54
2016-04-30	1.58	1.61	1.72	2.43
2016-05-31	1.58	1.58	1.70	2.50
2016-06-30	1.60	1.60	1.72	2.51
2016-07-31	1.59	1.58	1.72	2.28
2016-08-31	1.58	1.60	1.70	2.34
2016-09-30	1.58	1.59	1.72	2.24
2016-10-31	1.58	1.55	1.71	2.16
2016-11-30	1.56	1.57	1.62	2.19
2016-12-31	1.57	1.57	1.56	2.37
2017-01-31	1.58	1.47	1.56	2.39
2017-02-28	1.58	1.58	1.56	2.46
2017-03-31	1.58	1.65	1.61	2.56
2017-04-30	1.58	1.56	1.65	2.43
2017-05-31	1.56	1.50	1.64	1.92
2017-06-30	1.55	1.52	1.65	1.90
2017-07-31	1.56	1.54	1.65	1.88
2017-08-31	1.56	1.51	1.64	1.86
2017-09-30	1.55	1.53	1.65	1.90
2017-10-31	1.54	1.51	1.66	1.91
2017-11-30	1.55	1.57	1.65	1.89
2017-12-31	1.55	1.56	1.65	2.14
2018-01-31	1.52	1.57	1.65	2.25
2018-02-28	1.52	1.58	1.66	2.27
2018-03-31	1.53	1.52	1.67	2.20
2018-04-30	1.50	1.56	1.65	2.16
2018-05-31	1.47	1.53	1.61	2.12
2018-06-30	1.46	1.45	1.61	2.03
2018-07-31	1.46	1.41	1.59	2.03
2018-08-31	1.44	1.42	1.57	2.03
2018-09-30	1.45	1.46	1.60	2.04
2018-10-31	1.43	1.42	1.58	2.12
2018-11-30	1.41	1.37	1.57	2.04
2018-12-31	1.44	1.42	1.57	1.86
2019-01-31	1.58	1.55	1.58	2.01
2019-02-28	1.58	1.50	1.56	2.06
2019-03-31	1.56	1.47	1.57	1.79
2019-04-30	1.54	1.48	1.52	1.81
2019-05-31	1.55	1.47	1.48	1.82
2019-06-30	1.54	1.45	1.49	1.81
2019-07-31	1.55	1.43	1.48	1.66
2019-08-31	1.53	1.45	1.48	1.68
2019-09-30	1.52	1.41	1.45	1.54
2019-10-31	1.50	1.30	1.34	1.29
2019-11-30	1.51	1.35	1.38	1.38
2019-12-31	1.53	1.39	1.41	1.39
2020-01-31	1.58	1.40	1.44	1.54
2020-02-29	1.63	1.41	1.44	1.54
2020-03-31	1.61	1.39	1.45	1.34
2020-04-30	1.61	1.44	1.48	1.17
2020-05-31	1.60	1.43	1.45	1.59
2020-06-30	1.59	1.44	1.46	1.55
2020-07-31	1.57	1.43	1.44	1.52
2020-08-31	1.56	1.42	1.44	1.41
2020-09-30	1.54	1.37	1.42	1.42
2020-10-31	1.51	1.34	1.35	1.39
2020-11-30	1.48	1.31	1.29	1.43
2020-12-31	1.44	1.30	1.29	1.46
2021-01-31	1.46	1.28	1.28	1.38
2021-02-28	1.44	1.28	1.27	1.48
2021-03-31	1.47	1.27	1.29	1.46
2021-04-30	1.45	1.27	1.30	1.51
2021-05-31	1.42	1.26	1.29	1.49
2021-06-30	1.44	1.27	1.31	1.56
2021-07-31	1.44	1.26	1.30	1.55
2021-08-31	1.41	1.22	1.25	1.56
2021-09-30	1.41	1.25	1.26	1.47
2021-10-31	1.41	1.23	1.26	1.55
2021-11-30	1.38	1.24	1.34	1.65
2021-12-31	1.41	1.23	1.39	1.56
2022-01-31	1.46	1.23	1.48	1.75
2022-02-28	1.43	1.27	1.63	1.98
2022-03-31	1.46	1.33	1.87	2.28
2022-04-30	1.47	1.62	2.34	2.78
2022-05-31	1.69	2.08	2.89	3.18
2022-06-30	1.85	2.59	3.33	3.61
2022-07-31	2.20	2.74	3.47	3.56
2022-08-31	2.55	2.86	3.47	3.50
2022-09-30	2.87	3.53	3.82	3.56
2022-10-31	3.21	3.73	3.99	3.91
2022-11-30	3.27	3.86	3.95	3.87
2022-12-31	3.39	3.77	3.87	3.70
2023-01-31	3.58	3.88	3.87	3.68
2023-02-28	3.85	4.17	3.93	3.62
2023-03-31	3.99	4.33	4.13	3.71
2023-04-30	4.06	4.43	4.13	3.82
2023-05-31	4.31	4.30	3.94	3.71
2023-06-30	4.44	4.42	4.01	3.58
2023-07-31	4.57	4.50	4.15	3.66
2023-08-31	4.68	4.58	4.29	4.01
2023-09-30	4.76	4.81	4.47	3.94
2023-10-31	4.89	4.74	4.61	4.03
2023-11-30	4.92	4.73	4.57	3.82
2023-12-31	4.88	4.47	4.17	3.21
2024-01-31	4.86	4.32	3.69	3.07
2024-02-29	4.86	4.28	3.69	2.93
2024-03-31	4.85	4.41	3.78	3.18
2024-04-30	4.83	4.29	3.73	3.19
2024-05-31	4.56	3.81	3.56	3.14
2024-06-30	4.51	4.04	3.64	3.11
2024-07-31	4.54	3.87	3.40	3.19
2024-08-31	4.34	3.41	2.93	2.74
2024-09-30	4.19	3.36	2.90	2.78
2024-10-31	4.03	3.15	2.85	2.79
2024-11-30	3.62	3.03	2.86	2.61
2024-12-31	3.45	2.94	2.85	2.77
2025-01-31	3.30	2.96	2.91	2.97
2025-02-28	3.10	2.92	2.96	3.04
2025-03-31	3.09	3.01	3.10	3.24
2025-04-30	3.15	3.00	3.14	3.40
2025-05-31	3.06	2.86	2.99	3.19
2025-06-30	3.04	2.82	2.97	3.22
2025-07-31	2.85	2.63	2.87	3.02
2025-08-31	2.86	2.64	2.85	2.94
2025-09-30	2.80	2.70	2.88	3.11
2025-10-31	2.69	2.67	2.89	3.09
2025-11-30	2.68	2.71	2.89	3.21
2025-12-31	2.65	2.66	2.93	3.23
2026-01-31	2.66	2.68	2.98	3.24

Source

Statistics Sweden

The average interest rate on new agreements for lending to non-financial corporations was 3.40 percent in January 2026, to be compared with 3.33 percent in December 2025.

Interest rates: mortgages and loans to non-financial corporations, new agreements

	Households, housing	Non-financial corporations
2006-01-31	3.19	2.91
2006-02-28	3.19	2.75
2006-03-31	3.31	3.05
2006-04-30	3.34	3.05
2006-05-31	3.32	2.90
2006-06-30	3.51	3.26
2006-07-31	3.59	3.46
2006-08-31	3.69	3.34
2006-09-30	3.85	3.53
2006-10-31	3.84	3.58
2006-11-30	3.92	3.70
2006-12-31	4.06	3.98
2007-01-31	4.16	3.97
2007-02-28	4.24	4.15
2007-03-31	4.23	4.24
2007-04-30	4.33	4.25
2007-05-31	4.41	4.14
2007-06-30	4.56	4.46
2007-07-31	4.62	4.51
2007-08-31	4.64	4.45
2007-09-30	4.81	4.72
2007-10-31	4.90	4.79
2007-11-30	4.99	4.87
2007-12-31	5.04	5.00
2008-01-31	4.95	4.94
2008-02-29	5.02	4.99
2008-03-31	5.12	5.13
2008-04-30	5.21	5.17
2008-05-31	5.28	5.14
2008-06-30	5.61	5.27
2008-07-31	5.81	5.43
2008-08-31	5.74	5.40
2008-09-30	6.05	5.83
2008-10-31	5.82	5.51
2008-11-30	5.38	4.92
2008-12-31	3.95	3.43
2009-01-31	3.30	3.00
2009-02-28	2.55	2.23
2009-03-31	2.35	2.13
2009-04-30	2.08	1.86
2009-05-31	2.06	1.89
2009-06-30	2.17	1.96
2009-07-31	1.91	1.51
2009-08-31	1.82	1.51
2009-09-30	1.79	1.62
2009-10-31	1.71	1.53
2009-11-30	1.67	1.50
2009-12-31	1.73	1.71
2010-01-31	1.78	1.58
2010-02-28	1.82	1.68
2010-03-31	1.92	1.83
2010-04-30	1.94	1.75
2010-05-31	1.96	1.74
2010-06-30	2.27	1.89
2010-07-31	2.40	2.00
2010-08-31	2.49	2.12
2010-09-30	2.71	2.36
2010-10-31	2.82	2.53
2010-11-30	2.90	2.77
2010-12-31	3.20	2.91
2011-01-31	3.42	3.09
2011-02-28	3.61	3.20
2011-03-31	3.83	3.44
2011-04-30	3.90	3.47
2011-05-31	3.90	3.46
2011-06-30	3.98	3.52
2011-07-31	4.02	3.64
2011-08-31	3.92	3.65
2011-09-30	3.83	3.66
2011-10-31	3.93	3.67
2011-11-30	3.93	3.81
2011-12-31	4.07	3.77
2012-01-31	3.91	3.79
2012-02-29	3.84	3.71
2012-03-31	3.77	3.54
2012-04-30	3.74	3.47
2012-05-31	3.67	3.55
2012-06-30	3.62	3.47
2012-07-31	3.58	3.56
2012-08-31	3.52	3.34
2012-09-30	3.33	3.19
2012-10-31	3.15	3.08
2012-11-30	3.05	2.90
2012-12-31	2.97	2.88
2013-01-31	2.89	2.86
2013-02-28	2.89	2.79
2013-03-31	2.88	2.84
2013-04-30	2.85	2.86
2013-05-31	2.76	2.73
2013-06-30	2.73	2.89
2013-07-31	2.74	2.83
2013-08-31	2.73	2.82
2013-09-30	2.74	2.91
2013-10-31	2.72	2.89
2013-11-30	2.64	2.75
2013-12-31	2.56	2.74
2014-01-31	2.46	2.58
2014-02-28	2.45	2.65
2014-03-31	2.44	2.62
2014-04-30	2.43	2.55
2014-05-31	2.42	2.54
2014-06-30	2.39	2.56
2014-07-31	2.22	2.26
2014-08-31	2.17	2.24
2014-09-30	2.17	2.18
2014-10-31	2.08	2.08
2014-11-30	1.93	1.91
2014-12-31	1.93	1.86
2015-01-31	1.89	1.88
2015-02-28	1.81	1.60
2015-03-31	1.74	1.55
2015-04-30	1.67	1.42
2015-05-31	1.66	1.39
2015-06-30	1.63	1.39
2015-07-31	1.61	1.55
2015-08-31	1.59	1.46
2015-09-30	1.58	1.35
2015-10-31	1.60	1.47
2015-11-30	1.59	1.31
2015-12-31	1.62	1.38
2016-01-31	1.63	1.41
2016-02-29	1.60	1.49
2016-03-31	1.61	1.38
2016-04-30	1.61	1.40
2016-05-31	1.60	1.38
2016-06-30	1.62	1.31
2016-07-31	1.61	1.42
2016-08-31	1.59	1.27
2016-09-30	1.60	1.32
2016-10-31	1.59	1.25
2016-11-30	1.57	1.22
2016-12-31	1.57	1.27
2017-01-31	1.58	1.23
2017-02-28	1.58	1.28
2017-03-31	1.59	1.28
2017-04-30	1.60	1.20
2017-05-31	1.57	1.04
2017-06-30	1.57	1.15
2017-07-31	1.58	1.16
2017-08-31	1.58	1.08
2017-09-30	1.58	1.30
2017-10-31	1.57	1.23
2017-11-30	1.57	1.34
2017-12-31	1.57	1.22
2018-01-31	1.55	1.27
2018-02-28	1.55	1.28
2018-03-31	1.56	1.24
2018-04-30	1.54	1.33
2018-05-31	1.49	1.29
2018-06-30	1.49	1.11
2018-07-31	1.48	1.36
2018-08-31	1.46	1.32
2018-09-30	1.49	1.15
2018-10-31	1.47	1.14
2018-11-30	1.46	1.14
2018-12-31	1.49	1.25
2019-01-31	1.58	1.36
2019-02-28	1.57	1.29
2019-03-31	1.56	1.27
2019-04-30	1.54	1.32
2019-05-31	1.52	1.33
2019-06-30	1.52	1.38
2019-07-31	1.53	1.47
2019-08-31	1.52	1.41
2019-09-30	1.50	1.38
2019-10-31	1.43	1.49
2019-11-30	1.46	1.48
2019-12-31	1.48	1.56
2020-01-31	1.52	1.67
2020-02-29	1.55	1.55
2020-03-31	1.53	1.61
2020-04-30	1.54	1.73
2020-05-31	1.54	1.68
2020-06-30	1.53	1.49
2020-07-31	1.51	1.70
2020-08-31	1.50	1.73
2020-09-30	1.48	1.48
2020-10-31	1.43	1.46
2020-11-30	1.38	1.61
2020-12-31	1.36	1.41
2021-01-31	1.37	1.59
2021-02-28	1.35	1.52
2021-03-31	1.37	1.48
2021-04-30	1.37	1.48
2021-05-31	1.35	1.57
2021-06-30	1.37	1.46
2021-07-31	1.36	1.77
2021-08-31	1.33	1.60
2021-09-30	1.33	1.35
2021-10-31	1.32	1.50
2021-11-30	1.35	1.53
2021-12-31	1.37	1.48
2022-01-31	1.43	1.56
2022-02-28	1.49	1.61
2022-03-31	1.61	1.51
2022-04-30	1.85	1.66
2022-05-31	2.14	1.99
2022-06-30	2.31	2.24
2022-07-31	2.51	2.64
2022-08-31	2.74	2.76
2022-09-30	3.14	3.26
2022-10-31	3.40	3.36
2022-11-30	3.48	3.90
2022-12-31	3.48	4.26
2023-01-31	3.63	4.28
2023-02-28	3.88	4.48
2023-03-31	4.03	4.76
2023-04-30	4.09	4.88
2023-05-31	4.26	5.09
2023-06-30	4.39	5.24
2023-07-31	4.52	5.50
2023-08-31	4.61	5.59
2023-09-30	4.70	5.51
2023-10-31	4.80	5.47
2023-11-30	4.82	5.36
2023-12-31	4.76	5.51
2024-01-31	4.70	5.50
2024-02-29	4.69	5.45
2024-03-31	4.75	5.37
2024-04-30	4.73	5.38
2024-05-31	4.49	5.27
2024-06-30	4.44	5.16
2024-07-31	4.44	5.24
2024-08-31	4.06	4.83
2024-09-30	3.82	4.36
2024-10-31	3.65	4.11
2024-11-30	3.41	3.93
2024-12-31	3.31	3.97
2025-01-31	3.23	3.87
2025-02-28	3.06	3.86
2025-03-31	3.09	3.75
2025-04-30	3.13	3.68
2025-05-31	3.03	3.60
2025-06-30	3.01	3.60
2025-07-31	2.84	3.83
2025-08-31	2.84	3.75
2025-09-30	2.80	3.44
2025-10-31	2.72	3.42
2025-11-30	2.71	3.56
2025-12-31	2.69	3.33
2026-01-31	2.70	3.40

Source

Statistics Sweden

Interest rates on deposits

The average interest rate on households’ new bank deposits increased to 0.48 percent in January 2026 from 0.47 percent in December 2025. By comparison, the corresponding rate in January 2025 was 1.03 percent.

The interest rate on accounts with fixed periods or a limited number of free withdrawals remained at 1.22 percent, compared with 1.91 percent in January 2025.

The average interest rate on new bank deposits for non-financial corporations was 0.87 percent in January 2026. The interest rate on accounts with fixed periods or a limited number of free withdrawals was 1.59 percent for the same period.

Interest rates on new bank deposits: households and non-financial corporations

	Households	Non-financial corporations
2006-01-31	0.51	1.07
2006-02-28	0.62	1.16
2006-03-31	0.78	1.31
2006-04-30	0.77	1.33
2006-05-31	0.79	1.30
2006-06-30	0.90	1.50
2006-07-31	0.96	1.46
2006-08-31	0.97	1.54
2006-09-30	1.12	1.73
2006-10-31	1.14	1.76
2006-11-30	1.30	1.93
2006-12-31	1.44	2.15
2007-01-31	1.49	2.17
2007-02-28	1.63	2.39
2007-03-31	1.68	2.41
2007-04-30	1.69	2.46
2007-05-31	1.74	2.43
2007-06-30	1.85	2.67
2007-07-31	1.90	2.55
2007-08-31	1.93	2.62
2007-09-30	2.08	2.87
2007-10-31	2.16	2.97
2007-11-30	2.34	3.05
2007-12-31	2.35	3.10
2008-01-31	2.41	3.09
2008-02-29	2.57	3.31
2008-03-31	2.61	3.34
2008-04-30	2.62	3.28
2008-05-31	2.63	3.26
2008-06-30	2.65	3.25
2008-07-31	2.86	3.42
2008-08-31	2.82	3.45
2008-09-30	3.06	3.92
2008-10-31	2.54	3.04
2008-11-30	2.40	2.95
2008-12-31	1.24	1.46
2009-01-31	1.20	1.42
2009-02-28	0.56	0.65
2009-03-31	0.55	0.64
2009-04-30	0.30	0.28
2009-05-31	0.30	0.30
2009-06-30	0.30	0.29
2009-07-31	0.19	0.17
2009-08-31	0.19	0.18
2009-09-30	0.19	0.18
2009-10-31	0.18	0.18
2009-11-30	0.17	0.19
2009-12-31	0.17	0.18
2010-01-31	0.17	0.16
2010-02-28	0.17	0.20
2010-03-31	0.18	0.21
2010-04-30	0.18	0.20
2010-05-31	0.18	0.21
2010-06-30	0.20	0.23
2010-07-31	0.29	0.31
2010-08-31	0.30	0.34
2010-09-30	0.43	0.52
2010-10-31	0.53	0.66
2010-11-30	0.66	0.76
2010-12-31	0.84	0.95
2011-01-31	0.86	0.97
2011-02-28	1.02	1.20
2011-03-31	1.07	1.29
2011-04-30	1.09	1.37
2011-05-31	1.23	1.37
2011-06-30	1.22	1.38
2011-07-31	1.28	1.45
2011-08-31	1.33	1.52
2011-09-30	1.35	1.52
2011-10-31	1.33	1.50
2011-11-30	1.35	1.56
2011-12-31	1.30	1.50
2012-01-31	1.33	1.47
2012-02-29	1.18	1.35
2012-03-31	1.19	1.30
2012-04-30	1.16	1.25
2012-05-31	1.17	1.23
2012-06-30	1.16	1.25
2012-07-31	1.15	1.17
2012-08-31	1.17	1.19
2012-09-30	0.98	1.02
2012-10-31	0.87	0.92
2012-11-30	0.86	0.92
2012-12-31	0.80	0.83
2013-01-31	0.72	0.74
2013-02-28	0.72	0.77
2013-03-31	0.69	0.76
2013-04-30	0.70	0.77
2013-05-31	0.67	0.73
2013-06-30	0.64	0.73
2013-07-31	0.65	0.71
2013-08-31	0.65	0.74
2013-09-30	0.67	0.75
2013-10-31	0.67	0.74
2013-11-30	0.66	0.74
2013-12-31	0.58	0.63
2014-01-31	0.53	0.58
2014-02-28	0.52	0.57
2014-03-31	0.53	0.57
2014-04-30	0.51	0.58
2014-05-31	0.51	0.56
2014-06-30	0.50	0.54
2014-07-31	0.29	0.27
2014-08-31	0.29	0.27
2014-09-30	0.30	0.28
2014-10-31	0.29	0.23
2014-11-30	0.21	0.16
2014-12-31	0.21	0.15
2015-01-31	0.21	0.14
2015-02-28	0.16	0.10
2015-03-31	0.14	0.08
2015-04-30	0.12	0.06
2015-05-31	0.10	0.05
2015-06-30	0.10	0.06
2015-07-31	0.10	0.05
2015-08-31	0.09	0.05
2015-09-30	0.08	0.05
2015-10-31	0.08	0.04
2015-11-30	0.08	0.04
2015-12-31	0.08	0.03
2016-01-31	0.08	0.04
2016-02-29	0.08	0.03
2016-03-31	0.08	0.03
2016-04-30	0.08	0.04
2016-05-31	0.08	0.02
2016-06-30	0.07	0.02
2016-07-31	0.07	0.02
2016-08-31	0.07	0.02
2016-09-30	0.07	0.02
2016-10-31	0.07	0.02
2016-11-30	0.07	0.02
2016-12-31	0.07	0.01
2017-01-31	0.07	0.01
2017-02-28	0.07	0.01
2017-03-31	0.07	0.01
2017-04-30	0.07	0.01
2017-05-31	0.07	0.01
2017-06-30	0.07	0.01
2017-07-31	0.07	0.01
2017-08-31	0.07	0.01
2017-09-30	0.07	0.01
2017-10-31	0.07	0.01
2017-11-30	0.08	0.01
2017-12-31	0.06	0.01
2018-01-31	0.07	0.01
2018-02-28	0.07	0.01
2018-03-31	0.07	0.01
2018-04-30	0.07	0.00
2018-05-31	0.07	0.01
2018-06-30	0.06	0.01
2018-07-31	0.07	0.01
2018-08-31	0.07	0.01
2018-09-30	0.07	0.00
2018-10-31	0.07	0.00
2018-11-30	0.07	0.00
2018-12-31	0.07	0.01
2019-01-31	0.07	0.01
2019-02-28	0.07	0.01
2019-03-31	0.07	0.01
2019-04-30	0.09	0.01
2019-05-31	0.09	0.02
2019-06-30	0.08	0.01
2019-07-31	0.09	0.01
2019-08-31	0.09	0.01
2019-09-30	0.09	0.02
2019-10-31	0.09	0.01
2019-11-30	0.09	0.01
2019-12-31	0.09	0.02
2020-01-31	0.09	0.02
2020-02-29	0.09	0.02
2020-03-31	0.09	0.03
2020-04-30	0.09	0.03
2020-05-31	0.09	0.02
2020-06-30	0.09	0.02
2020-07-31	0.09	0.02
2020-08-31	0.09	0.02
2020-09-30	0.09	0.02
2020-10-31	0.09	0.02
2020-11-30	0.09	0.02
2020-12-31	0.09	0.02
2021-01-31	0.09	0.02
2021-02-28	0.09	0.02
2021-03-31	0.09	0.02
2021-04-30	0.09	0.02
2021-05-31	0.09	0.02
2021-06-30	0.08	0.02
2021-07-31	0.08	0.02
2021-08-31	0.08	0.02
2021-09-30	0.08	0.02
2021-10-31	0.08	0.01
2021-11-30	0.08	0.01
2021-12-31	0.08	0.01
2022-01-31	0.09	0.01
2022-02-28	0.09	0.01
2022-03-31	0.09	0.01
2022-04-30	0.09	0.01
2022-05-31	0.09	0.04
2022-06-30	0.11	0.06
2022-07-31	0.19	0.16
2022-08-31	0.21	0.20
2022-09-30	0.42	0.49
2022-10-31	0.55	0.58
2022-11-30	0.64	0.78
2022-12-31	0.90	0.98
2023-01-31	0.95	1.05
2023-02-28	1.20	1.34
2023-03-31	1.28	1.39
2023-04-30	1.30	1.42
2023-05-31	1.67	1.75
2023-06-30	1.69	1.77
2023-07-31	1.88	1.91
2023-08-31	1.93	2.01
2023-09-30	1.99	2.13
2023-10-31	2.12	2.24
2023-11-30	2.13	2.26
2023-12-31	2.16	2.27
2024-01-31	2.18	2.32
2024-02-29	2.16	2.34
2024-03-31	2.14	2.36
2024-04-30	2.18	2.30
2024-05-31	2.02	2.19
2024-06-30	1.97	2.18
2024-07-31	2.01	2.20
2024-08-31	1.94	2.12
2024-09-30	1.79	2.06
2024-10-31	1.60	1.87
2024-11-30	1.22	1.54
2024-12-31	1.12	1.53
2025-01-31	1.03	1.34
2025-02-28	0.83	1.20
2025-03-31	0.83	1.22
2025-04-30	0.83	1.19
2025-05-31	0.80	1.19
2025-06-30	0.67	1.07
2025-07-31	0.62	1.02
2025-08-31	0.61	1.00
2025-09-30	0.59	0.99
2025-10-31	0.47	0.86
2025-11-30	0.45	0.84
2025-12-31	0.47	0.83
2026-01-31	0.48	0.87

Source

Statistics Sweden

Definitions and explanations

The financial market statistics cover mainly monetary financial institutions (MFIs), but also include new institutes on mortgage markets, known as mortgage credit companies. Unless otherwise stated, the statistical news refers to MFIs.

The statistics include balance sheet statistics (including lending and deposits), interest rates, and monetary aggregates.

The financial market statistics are compiled monthly. Revisions of the statistics may occur.

Monetary financial institutions (MFIs) include banks, housing credit institutions, finance companies, institutions financing municipalities and companies, monetary securities companies, and monetary investment funds (money market funds).

Mortgage credit companies refers to non-MFI institutions that have authorisation from Finansinspektionen to issue mortgages. Usually, mortgage credit companies sell the mortgages to alternative investment funds (AIFs). The AIFs included in the financial market statistics are linked to mortgage credit companies, and whose assets mainly comprise mortgages.

Growth rates are percentage measures that show how much a variable has changed over a given period of time. In the Financial market statistics, growth rates are used to illustrate the development of transactions from the corresponding period in the previous year. The growth rates are calculated based on changes in stocks and adjusted so that they are not affected by factors unrelated to actual growth. For calculations and further information, see Section 4 of the publication Financial Market Statistics.

Lending to households is divided into three categories: housing loans, consumer loans, and other lending. The purpose of a loan is not directly measured, but is approximated by categorising lending by type of collateral. Housing loans (mortgages) are defined as loans to private individuals or entrepreneurial households with housing as collateral. Consumer loans refers to lending to private individuals, generally without collateral. Other lending includes all other lending, for example lending to non-profit institutions serving households.

New agreements refer to agreements concluded during a given month. Interest rate statistics on new agreements is a way of measuring the price formation on loans and deposits in a given period. These statistics include all financial agreements in which the terms and conditions affecting the interest rates on deposits and lending are determined for the first time. The statistics also include renegotiations of existing loans and relocation of loans. Changes in floating interest rates due to automatic adjustments are not considered new agreements.

Floating interest rates refer to interest rates with a maturity of up to and including three months.

Demand deposit accounts refer to deposits without agreed maturity, notice period, or significant withdrawal restrictions. Examples of demand deposit accounts include salary accounts, savings accounts with free withdrawals, and overnight deposits.

Measures of money supply

M0: Former measure corresponding to banknotes and coins held by the Swedish public.
M1: Banknotes and coins held by the Swedish public (previously M0), plus demand deposit accounts (funds held in salary accounts and savings accounts, for example) in Swedish MFIs and the Swedish National Debt Office (RGK).
M2: M1 plus deposits with certain conditions in Swedish MFIs and the Swedish National Debt Office (RGK), from the Swedish public. Deposits with certain conditions include deposits with a notice period of up to and including three months or a maturity of up to and including two years.
M3: M2 plus repos (excluding central counterparties), shares in money market funds, and interest-bearing securities with a maturity of up to and including two years issued by Swedish MFIs and held by the public.

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2026-03-26 8:00

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The proportion of floating-rate mortgages continues to increase

Developments in January 2026 summarized

Lending

Deposits

Interest rates on lending

Interest rates on deposits

Definitions and explanations

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Tove Åkerrén

Andrea Schöldtz