Why is my quoted payment lower than this?

Quotes usually cover principal and interest only. Property tax and insurance are often collected with the payment but are not part of the loan.

What does a 1% higher rate cost in Sweden?

At the 4% starting rate shown here, one extra percentage point adds roughly 10% to the monthly principal and interest, and far more over the full 30-year term. Raise the rate field and watch the total interest line.

Is the currency here the one I pay in?

This page is set to Sweden and prints SEK. Switch country at the top of the form to change both the currency and the starting values.

HomeSweden · SEK

Mortgage payment calculator for Sweden

Principal, interest, tax and insurance in one monthly number.

Country & currency

Changing country switches the currency and resets the inputs to local starting values.

Your numbers

Home price

Down payment

Interest rate (APR)

Loan term

years

Property tax rate

Annual, as a share of home value.

Home insurance

krper year

Service charge

krper month

HOA, strata, body corporate or maintenance fees.

Total monthly payment

14 368 kr

13 368 kr of that is principal and interest

Loan amount: 2 800 000 kr; 700 000 kr down
Principal & interest: 13 368 kr
Property tax: 583 kr; per month
Insurance & fees: 417 kr; per month
Total interest paid: 2 012 346 kr; over 30 years
Cost of the loan: 72%; interest as a share of principal

Remaining balance

by year

Assumes a fixed rate for the whole term. Swedish property fee (fastighetsavgift) is capped at a fixed maximum, so the effective rate falls as the property value rises.

How to read the result

Lenders quote you principal and interest. Your bank account sees property tax, insurance and service charges as well, which is why the quoted payment and the real payment rarely match.

This calculator builds the full monthly figure and shows how much of the loan you hand over in interest across the whole term.

This page is set to Sweden and prints SEK. Starts at 3 500 000 kr over 30 years at 4%. Every figure is a starting point you should overwrite with your own.

Worked example in SEK

Using the values the form starts with.

Total monthly payment

14 368 kr

Loan amount: 2 800 000 kr
Principal & interest: 13 368 kr
Property tax: 583 kr
Insurance & fees: 417 kr
Total interest paid: 2 012 346 kr
Cost of the loan: 72%

Questions people ask

Why is my quoted payment lower than this?: Quotes usually cover principal and interest only. Property tax and insurance are often collected with the payment but are not part of the loan.
What does a 1% higher rate cost in Sweden?: At the 4% starting rate shown here, one extra percentage point adds roughly 10% to the monthly principal and interest, and far more over the full 30-year term. Raise the rate field and watch the total interest line.
Is the currency here the one I pay in?: This page is set to Sweden and prints SEK. Switch country at the top of the form to change both the currency and the starting values.

Mortgage payment in other countries

Same maths, local currency and local starting values.