Green mortgage
A mortgage interest reduction of 0.10 percentage points for households with an energy-class A home, or class B under a declaration made before 1 October 2026.
Ez a lehetőség jelenleg angolul érhető el.
You can receive the green interest reduction when buying an eligible house or apartment, transferring your mortgage to SBAB, or keeping an existing SBAB mortgage. A mortgage is a loan you repay with interest; your home is the security for the loan.
The reduction applies to fixed and variable mortgage rates. It lasts until the next date when your loan terms can change. You receive it for the following terms period if your energy declaration remains valid and the home still meets the green mortgage requirements then in force.
Eligibility
- You must be registered in Sweden, at least one borrower must have regular income, and you must have no payment defaults. SBAB must approve your loan application.
- Your house or apartment must have a valid energy declaration. This document shows the home’s energy use and gives it a class from A to G, with A the best. A declaration made before 1 October 2026 qualifies at class A or B; one made on or after that date qualifies at class A.
- An A0 designation qualifies only if the underlying energy performance corresponds to class A.
- If you already receive the class C reduction of 0.05 percentage points, it ends at your next terms-change date after 1 October 2026.
- For a home purchase, you can borrow up to 90% of the market value and need at least 10% as a deposit. For a mortgage transfer without increasing the loan, the limit is 90% of the home’s value. If you increase the loan while transferring, it must fit within both 80% of the value used to calculate amortisation and borrowing capacity and 90% of the current home value; SBAB uses the lower limit.
How to apply
- Állapot
- Folyamatosan nyitva
If you already have a mortgage with SBAB, the reduction starts automatically when SBAB receives your qualifying energy declaration information from Boverket, which maintains the register. Check it by logging in on sbab.se or in the app. If it has not appeared after about a week, contact SBAB.
If you are buying a home, apply for a mortgage promise through SBAB: this is an assessment of your finances rather than approval of a specific home. You can apply online for SEK 200,000–10 million; contact customer service for a larger loan. After entering your first bidding process, contact SBAB to go through the information in your application. Once you have reviewed the mortgage promise with SBAB, you do not need to repeat this contact for every property you want to bid on. When you win the bidding, call SBAB again before signing the purchase contract so it can assess the home and add the energy declaration to your application.
If you have a mortgage with another bank, apply through SBAB’s mortgage transfer page. All loans secured on the home must move together. Obtain the current bank’s amortisation statement, no more than three months old, even if you are not currently repaying principal. The statement shows how the bank calculated your principal repayments and the repayment terms of your current mortgage. For a tenant-owned apartment, also obtain an apartment register extract from the housing association.