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Your Mortgage Payment Can Stay High After Sweden Scraps the Extra Rule

Sweden removed an extra mortgage rule in April, yet some existing borrowers will see no change until their bank amends the contract.

By DailySweden7 September 20262 min read
An archival blank mortgage loan document dated 1884.
Indianapolis Public Library / DPLA / No known restrictions

A Swedish mortgage payment can remain unchanged even after the rule that created its extra amortisation was removed. Borrowers with older agreements may therefore keep paying more each month until their contract is amended.

The government’s rule summary says the enhanced amortisation requirement ended on 1 April 2026. That was the extra 1 percentage point charged when a mortgage exceeded 4.5 times the

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