Long processing time for housing loans

We update the time period we have reached in the loan queue weekly, so you can keep track of when you can expect a response from us. However, we cannot give you an estimated time for when exactly your loan application will be processed.

Changed application process 

Due to the long processing time, we have changed how we receive applications for moving loans / refinancing.

If you want to refinance your loan, or apply for a loan for renovation, click on the link to our housing loan application, where you will be given the opportunity to leave your e-mail. We will contact you when you can continue the application process.

Prioritizes loans for the purchase of housing 

While the waiting time is long for refinancing and loans for renovations, we always prioritize loan applications for the purchase of a home. Here there is no loan queue, and you can log in and go directly to the application. These applications have a processing time of two weeks, but please apply well in advance of the takeover date.

The interest rate changes six times a year 

The interest rate on mortgages in SPK changes up to six times a year - in January, March, May, July, September and November. 

"Delay" on the interest rate in SPK 

Before the interest rate adjustments, there is an observation period of two months, plus a two-month notification period before the new interest rate comes into effect. The interest rate development in the state banks, such as SPK, thus has a "lag" of four months compared to the interest rates in most ordinary banks. This applies to both rising and falling interest rates  

It is the Ministry of Finance that handles the rules for setting interest rates in the state banks, which include Lånekassen and Husbanken, in addition to SPK. 

Thank you for your patience!