SWE FI Interest On Housing Loans Advice

Published on: Oct 16, 2026

On Oct. 13, SWE FI updated guidelines on housing loan interest.

  • SWE FI updated its guidelines on interest on housing loans (FFFS 2026:33).
  • Also included is SWE FI's Decision memorandum (26-1152) providing background.
  • On same day, SWE FI issued guidelines on credit in relationships, see #316162.
  • Guidelines Overview
  • The changes are consequential, and these are made due to amendments to (Act 2016:1024) Act (2016:1024) on mortgage lending activities on activities with housing credits and certain other consumer credits.
  • Regulations apply to Banking joint-stock companies, Savings banks, Member banks, Credit market companies and associations, and to Credit providers with a permit.
  • Sections 1 and 2 of the SWE FI's regulations (FFFS 2015:1) on information about interest on housing loans are being amended to reflect the new applicable changes.
  • Effectiveness
  • The new updated guidelines will now come fully into effect from Nov. 20, 2026.
Regulators
SWE FI
Entity Types
Bank; BS; MG Orig; MSB
Reference
Gd FFFS 2026:33, Dec 26-1152, 10/13/2026; FFFS 2015:1; Act 2016:1024 (SWE); Citation: FFFS 2026:33;
Functions
Compliance; Financial; Legal; Market Conduct; Operations; Reporting; Risk; Underwriting
Countries
Sweden
Category
State
N/A
Products
Banking; Loan; Mortgage
Rule Type
Final
Regions
EMEA
Rule Date
Oct 13, 2026
Effective Date
Nov 20, 2026
Rule ID
316208
Linked to
N/A
Reg. Last Update
Oct 13, 2026
Report Section
EU