market interest rates, your income, expenditure, family situation and how safe it is that you pay on your loans.
much as the banks tell us what determines how boräntan is set. In reality, however, each bank advanced models, where each factor is weighted and mixed together for how boräntan are set individually. How the model works in more detail would, however, no telling.
– My understanding is that most banks are extremely non-transparent when it comes to their pricing of loans, " says Anders Magnusson, senior analyst and head of the institutional unit at Söderberg & Partners.
Håkan Larsson, economist at the villa owners, agree with.
– There is a lot to improve on. I get a lot of calls about this. Especially from older borrowers with high interest rates, " he says.
For example, one and the same customer to receive a higher interest rate because of the person moved, which is incomprehensible, think Håkan Larsson.
most banks report that the interest rate for the period is set based on a "whole", and that each rate is individually.
the factors are weighted, what are the other circumstances are weighed and how they are baked together into your mortgage rate is often shrouded in mystery, believe the critics.
"maybe They're transparent when it comes to the assessment of creditworthiness, but it is surprisingly difficult to penetrate how the results in the individual interest rate and how the interest rate associated with the bank's own funding costs," says Anders Magnusson.
Different banks have different drömkunder, based on its strategy and situation, " explains Anders Magnusson. Some want to mainly having rich, low-leveraged customers, while others want to have many mortgages in which each customer borrows much.
many other products and services to every customer. These market goals can also affect the interest rates banks set on loans. All of these half-hidden factors make it difficult for the customer to negotiate with the bank, and understand the parameters that you can affect ourselves, in order to optimize the rate of interest, " he says.
– For all four of the major banks, net interest income (i.e. the difference between the bank's deposits and loans) by far the largest source of revenue. A large part of these revenues come from mortgages. We bolånekunder do not have the ability to get other types of financing, such as companies. It allows you are referred to a selection of banks, " says Anders Magnusson.
how the banks shall provide information on the creditworthiness assessment of the consumer credit act. Customers should be able to understand how the gone to, " explains Magnus Karlsson, head of Macro strategy at the Fsa.
He notes that different banks put the emphasis on slightly different things when they kreditprövar and sets the interest rate. The financial supervisory authority will check what factors the banks deem, but to publish this only on an aggregated level. The authority has no right to issue regulations regarding this, according to Magnus Karlsson.
the Banks believe, however, that it tells as much as is required.
" I think we do. Both how we kreditprövar, and how the rate is set individually. We also provide information about the customers 'average rate of interest on a monthly basis," says Frank Hojem, head of media relations at SEB.
– Otherwise, we would get the bark of the Fsa, they're watching us carefully. We have never received criticism for that, " says Michael Shooter, president of Nordea hypotek.