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Notes: 1.5% of price plus the listed title fee.
Notes: 1.5% of price plus the listed title fee.
Notes: 1.5% of price plus the listed title fee.
Notes: 2% of mortgage plus listed fee
Notes: 2% of mortgage plus listed fee
Notes: 2% of mortgage plus the listed fee
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: A 30% deduction of the borrower's interest payments is allowed.
Notes: A 30% deduction of the borrower's interest payments is allowed.
Notes: According to the FSA FI 2017 Analysis, most, but not all, of the banks offer unsecured loans for the portion of the loan-to-value ratio that exceeds 85 per cent. The banks report that borrowers must meet very high requirements if they are to be granted a loan exceeding 85 per cent of the loan-to-value ratio.
Notes: According to the FSA FI 2017 Analysis, most, but not all, of the banks offer unsecured loans for the portion of the loan-to-value ratio that exceeds 85 per cent. The banks report that borrowers must meet very high requirements if they are to be granted a loan exceeding 85 per cent of the loan-to-value ratio.
Notes: According to the FSA FI 2017 Analysis, most, but not all, of the banks offer unsecured loans for the portion of the loan-to-value ratio that exceeds 85 per cent. The banks report that borrowers must meet very high requirements if they are to be granted a loan exceeding 85 per cent of the loan-to-value ratio.
Notes: Actual value is -0.29%
Notes: Actual value is -0.50%
Notes: Actual value is -0.50%
Notes: Actual value is -0.66%
Notes: Actual value is -0.66%
Notes: All with an income may deduct
Notes: All with an income may deduct
Notes: All with an income may deduct
Notes: Banks use "left to live one"calculations. These depend partly on income but also number of children, number of people in the households, expenses etc.
Notes: Borrowers are allowed to deduct 30% of the interest payments from their tax payments.
Notes: Capital gains are taxed at a flat rate of 30%. This amount is assessed on 73.33% of selling price minus acquisition price, improvement costs, and repair costs
Notes: Capital gains are taxed at a flat rate of 30%. This amount is assessed on 73.33% of selling price minus acquisition price, improvement costs, and repair costs
Notes: Capital gains are taxed at a flat rate of 30%. This amount is assessed on 73.33% of selling price minus acquisition price, improvement costs, and repair costs.
Notes: Close to 0
Notes: Covered Bonds Act
Notes: Creditworthiness assessment, disclosure of income
Notes: Data on Stockholm, Sweden's capital.
Individual's median income multiplied by average household size, converted to USD
Notes: Data on Stockholm, Sweden's capital.
Individual's median income multiplied by average household size, converted to USD
Notes: Data on Stockholm, Sweden's capital.
Individual's median income multiplied by average household size, converted to USD
Notes: Data on Stockholm, Sweden's capital. Individual's median income multiplied by average household size, converted to USD
Notes: Financial Market Statistics - Table 4.8 MFIs' lending for housing loans to Swedish households broken down by maturity. 2,223,198 SEK Millions
Notes: Financial Market Statistics - Table 4.8 MFIs' lending for housing loans to Swedish households broken down by maturity. 1,039,338 SEK Millions
Notes: Financial Market Statistics - Table 4.8 MFIs' lending for housing loans to Swedish households broken down by maturity. 1,199,972 SEK Millions
Notes: Financial Market Statistics - Table 4.8 MFIs' lending for housing loans to Swedish households broken down by maturity. 1,362,411 SEK Millions
Notes: Financial Market Statistics - Table 4.8 MFIs' lending for housing loans to Swedish households broken down by maturity. 1,534,142 SEK Millions
Notes: Financial Market Statistics - Table 4.8 MFIs' lending for housing loans to Swedish households broken down by maturity. 1,686,399 SEK Millions
Notes: Financial Market Statistics - Table 4.8 MFIs' lending for housing loans to Swedish households broken down by maturity. 1,856,770 SEK Millions
Notes: Financial Market Statistics - Table 4.8 MFIs' lending for housing loans to Swedish households broken down by maturity. 2,016,525 SEK Millions
Notes: Financial Market Statistics - Table 4.8 MFIs' lending for housing loans to Swedish households broken down by maturity. 2,125,706 SEK Millions
Notes: Financial Market Statistics - Table 4.8 MFIs' lending for housing loans to Swedish households broken down by maturity. 894,562 SEK Millions
Notes: House owners are allowed to obtain direct housing subsidies, but it is mainly renters who use (and can use) this possibility. The rules are rather strict. Housing subsidies/ interest rate deductions:
http://www.forsakringskassan.se/sprak/eng
http://www.skatteverket.se/
Notes: House owners are allowed to obtain direct housing subsidies, but it is mainly renters who use (and can use) this possibility. The rules are rather strict. Housing subsidies/ interest rate deductions:
http://www.forsakringskassan.se/sprak/eng
http://www.skatteverket.se/
Notes: House owners are allowed to obtain direct housing subsidies, but it is mainly renters who use (and can use) this possibility. The rules are rather strict. Housing subsidies/ interest rate deductions:
http://www.forsakringskassan.se/sprak/eng
http://www.skatteverket.se/
Notes: In 2016, a new law was passed to cap the maximum term to 105 years
Notes: In 2016, a new law was passed to cap the maximum term to 105 years
Notes: In 2016, a new law was passed to cap the maximum term to 105 years
Notes: In May 2016, new changes to the Covered Bond Act required issuers to have a regulatory over collateralization of over 2%
Notes: Maximum term is 105 years
Notes: Maximum term is 105 years
Notes: Maximum term is 105 years
Notes: Median disposable income in all household types
Notes: Median disposable income in all household types
Notes: Median disposable income in all household types
Notes: Median disposable income in all household types
Notes: Median disposable income in all household types
Notes: Median disposable income in all household types
Notes: National data
Notes: National data
Notes: National rate, includes non-urban areas
Notes: National rate, includes non-urban areas
Notes: National rate, includes non-urban areas
Notes: National rate, includes non-urban areas
Notes: National rate, includes non-urban areas
Notes: National rate, includes non-urban areas
Notes: National rate, includes non-urban areas
Notes: National rate, includes non-urban areas
Notes: National rate, includes non-urban areas
Notes: National rate, includes non-urban areas
Notes: National rate, includes non-urban areas
Notes: National rate, includes non-urban areas
Notes: No distribution of both positive and negative credit data in credit bureaus and registries; Borrowers do not have the right to access their data in the credit registry; Banks cannot access borrower's credit information online in credit registries
Notes: No legal maximum term limit. In 2016, a new law was passed to cap the maximum term to 105 years.
Notes: Please visit the Research Center for the 2007 data.
Notes: Real property tax ranges from 0.2 to 2.8%, depending on property type, use, and location.
Notes: Rental income from a property that the owner uses as their primary residence is considered as Capital Income and is taxed at a flat rate of 30%. All other rental incomes are considered Business Income and taxed at progressive rates.
Notes: Rental income from a property that the owner uses as their primary residence is considered as Capital Income and is taxed at a flat rate of 30%.
All other rental incomes are considered Business Income and taxed at progressive rates.
Notes: Rental income from a property that the owner uses as their primary residence is considered to be "capital income" and is taxed at a flat rate of 30%.
All other rental incomes are considered "business income" and taxed at progressive rates.
Notes: SBAB bank was originally a state-owned mortgage institution which was reorganized into a bank in 2010. It now operates as a full-service bank, offering deposits, loans, savings, mortgages, and other financial services.
Notes: SBAB bank was originally a state-owned mortgage institution which was reorganized into a bank in 2010. It now operates as a full-service bank, offering deposits, loans, savings, mortgages, and other financial services.
Notes: SBAB bank was originally a state-owned mortgage institution which was reorganized into a bank in 2010. It now operates as a full-service bank, offering deposits, loans, savings, mortgages, and other financial services.
Notes: Starting in 2016, the maximum term for a mortgage will be 105 years
Notes: Sweden FSA
Notes: Sweden FSA
Notes: Sweden FSA
Notes: Sweden FSA
Notes: Sweden FSA
Notes: Sweden FSA
Notes: Sweden FSA
Notes: Sweden FSA
Notes: Swedish Board of Housing, Construction and Planning issues, administrates and reports on central government
housing guarantees
Notes: The transfer of property triggers stamp duty (transfer tax) at a rate of 4.25 per cent for legal persons (with some exceptions) and 1.5 per cent for private persons.
Notes: The transfer of property triggers stamp duty (transfer tax) at a rate of 4.25 per cent for legal persons (with some exceptions) and 1.5 per cent for private persons.
Notes: There are no direct subsidies in Sweden. However, borrowers are allowed to deduct 30% of the interest payments from their tax payments.
Notes: There are no direct subsidies in Sweden. However, borrowers are allowed to deduct 30% of the interest payments from their tax payments.
Notes: There is no HMF in Sweden
Notes: There is no HMF in Sweden
Notes: Total Mortgage Backed Covered Bonds Outstanding = USD 135668M
Notes: Total Mortgage Backed Covered Bonds Outstanding = USD 163372 M
Notes: Total Mortgage Backed Covered Bonds Outstanding = USD 194062 M
Notes: Total Mortgage Backed Covered Bonds Outstanding = USD 241,293 M
Notes: Total Mortgage Backed Covered Bonds Outstanding = USD 247,160 M
Notes: Total Mortgage Backed Covered Bonds Outstanding = USD 251667 M
Notes: Total Mortgage Backed Covered Bonds Outstanding = USD 255,905 M
Notes: Total Mortgage Backed Covered Bonds Outstanding = USD 263,158 M
Notes: Total Mortgage Backed Covered Bonds Outstanding = USD 271290M
Notes: Total Mortgage Backed Covered Bonds Outstanding = USD 289966 M
Notes: Total Mortgage Backed Covered Bonds Outstanding = USD 298430 M
Notes: Total Mortgage Backed Covered Bonds Outstanding = USD 72720M
Notes: Underwriting rules are defined in ”Konsumentkreditlagen” and in “Lag om bank- och finansieringsrörelse”.
Notes: Underwriting rules are defined in ”Konsumentkreditlagen” and in “Lag om bank- och finansieringsrörelse”.
Notes: Underwriting rules are defined in ”Konsumentkreditlagen” and in “Lag om bank- och finansieringsrörelse”.