ÌÇÐÄÆƽâ°æ

The mortgage interest rate in Sweden rose dramatically in 2022, following a long period of mortgages maintaining rates below two percent. In the fourth quarter of 2025, the average weighted interest rate stood at *** percent, more than *** percentage points below the peak reached in the fourth quarter of 2023. In Europe, this decline made Sweden's mortgage interest rate rank alongside Spain and Finland.

 Homeownership in Sweden 

The homeownership rate in Sweden did not vary significantly over the period from 2008 to 2019. It peaked in 2010 and slightly fluctuated the following years. The rate was lowest in 2019, amounting to roughly **** percent.

Profile of the European homeowner 

People in Denmark, Turkey, Austria, Germany, and Switzerland are the European citizens for whom homeownership was the least common. Albania was the country with the highest homeownership rate among selected European countries in 2024, followed by Romania. Both countries had a rate higher than ** percent. In general, it seemed to be more common to own a home in Eastern European countries than in the Western part of the continent.