Amorteringskrav

How much you have to pay down

The amount you must repay each year depends on your belåningsgrad (loan-to-value ratio), meaning how large a share of the home value you have borrowed:

Loan-to-value	Repayment per year
Over 70 percent	2 percent of the loan
50-70 percent	1 percent of the loan
Under 50 percent	No mandatory requirement

Worked example: if you borrow 3 000 000 kr on a home worth 4 000 000 kr, your loan-to-value is 75 percent. That puts you in the 2 percent bracket, so 60 000 kr per year, or 5 000 kr a month. Once the loan drops below 70 percent of the value, 1 percent is enough.

The stricter requirement is gone

There used to be an extra 1 percent repayment requirement for households with large loans (over 4.5 times gross annual income). It was removed on 1 April 2026, so you no longer need to factor it in when you work out what a purchase costs per month.

At the same time, the mortgage cap on a purchase was raised to 90 percent of the home value, which means a kontantinsats (down payment) of at least 10 percent.

What you should do

Always count the repayment as part of your monthly cost, not just the interest. It is a fixed outflow every month, but unlike interest it is really saving: the money reduces your debt and becomes your own equity in the home.

If you want to lower the requirement, a larger down payment can make a difference. Drop below 70 percent loan-to-value and the repayment requirement is halved; go under 50 percent and it disappears entirely.