the profitability of the mortgage lending continues to contract, demonstrating the Swedish financial supervisory authority's new stats. And it has been since its peak in the winter of 2017/2018.
" One of the ways, and see, there's the fact that (profitability) was very much before that, say, SF's chief economist Henrik Braconier.
variable rates (three-month) were on average stable in the fourth quarter, however, the banks 'own cost of borrowing increased, according to the Swedish financial supervisory authority regular surveys of the banks' profit margins on mortgage loans. All in all, this is the so-called " gross margin decreased by 0.05 percentage point, to 1.37 percent, as compared to the previous quarter.
the bank's gross margin was at its highest, 1.71%, margins have decreased by 0.34 percentage points, respectively. That is the lowest of low margins of just over 0.2 per cent at around the time of the financial crisis in 2008 and 2009, but it is so low, there is unlikely to be on again, according to the Braconier.
"There has been a stronger competition, nischbankerna have been gaining market shares and new entrants into the housing loan market has come up," says Henrik Braconier, if the decline in bankvinsterna.
this is a different type of player, and they have sprung up like mushrooms in recent years, however, as to whether they are pushing the interest rates, in general, is hard to say, according to the INTERNET.
" But they do give an indication, if I move to a new bank, I can get a lower interest rate of, say, Braconier.
But in spite of this, it is possible to squeeze the banks further. You have to constantly be alert and active, the old, the discounts may have been foisted off. And maybe this applies in particular to those customers who have been still in the bolånebåten in the last couple of years. According to the FI, the bank's profit margins are still relatively high.
"the Profitability of the banks, the bolåneaffär is still high," says the Braconier.
to find out more and More households expect rising bopriser.