Around 0.30-0.40 percentage points. This is how much the big banks lowered the variable mortgage rate in November, according to the banks’ average interest rates, the actual interest rate received that customers pay on average.
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 gives 3.86 percent, while SEB has not yet reported its. State SBAB is lower, where the average interest rate was 3.60 percent.
In one year, the variable interest rate has thus decreased by around one percentage point, while the average two-year interest rate has fallen by around 1.50 percentage points
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 interest rates, the interest rates used in marketing, are upwards of one percentage point higher.
In mid-November, the Riksbank lowered the key interest rate by 0.50 percentage points to 2.75 percent. The policy rate is the one that mainly affects the banks’ variable mortgage rates.