With the new proposal, the government wants it not to be unnecessarily expensive and complicated for those who prefer to have a fixed mortgage interest rate.
– Current rules can create unjustified obstacles and injustices, not least for borrowers with a worse negotiating position. Therefore, this is a welcome proposal, says Financial Markets Minister Niklas Wykman (M) in a statement.
Today, mortgage borrowers have to pay an interest rate difference compensation if you break a fixed loan prematurely. The new proposal will be based on a standard rule that is based on the difference between when the consumer tied the loan and when the consumer redeems the loan, the so-called swap rate.
However, the Villaägarna organization believes that the proposal has limited significance for consumers and would have liked to see a different model.
– I would have rather seen the solution that is used, among other things, in France, says Villaägarna’s social policy director Håkan Larsson.
See more in the video above about what the proposal entails