MONTHLY COST
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LOAN AMOUNT
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LOAN-TO-VALUE
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AMORTIZATION/MO
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TOTAL INTEREST
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DEBT/INCOME
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AMORT. REQUIRED
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KALP MARGIN
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Note: Banks perform their own credit assessments beyond these rules. This calculator is an estimate.
Swedish Mortgage Rules: April 2026 Changes
From April 1, 2026, Swedish mortgage rules are changing:
- LTV cap raised to 90% for new construction (was 85%)
- Mandatory amortization removed – no longer legally required
- Banks still perform their own credit assessment (KALP)
Use the toggle above to compare old and new rules.
Frequently Asked Questions
KALP (Kvar Att Leva På) is the Swedish bank’s affordability assessment. It calculates how much you have left to live on after housing costs. Banks typically require at least SEK 8,000–10,000 per adult.
LTV (Loan-to-Value) is the loan amount divided by the property value. The mortgage cap is the legal maximum LTV (85%, or 90% for new construction from April 2026).
The mandatory amortization requirement is being removed, but banks may still require amortization as part of their credit assessment.