Interest rates

Besides the open APIs (SBAB open interest rates) for deposit interest rates and for mortgages rates, there also exists the following protected endpoints for various other interest rates.

Adjusted mortgage rate

• Endpoint /api/interest-rates/2.0/adjusted-mortgage-rates

Retrieve adjusted SBAB mortgage rates depending on

1. loan amount
2. market value for a given object

• Endpoint /api/interest-rates/2.0/adjusted-mortgage-rates/{binding-period-in-months}

Retrieve adjusted SBAB mortgage rates depending

1. loan amount
2. market value for a given object
3. the selected period in months

Effective interest rate

• Endpoint /api/interest-rates/2.0/effective-interest-rate

Retrieve the effective interest rate for a loan as a decimal number with 4 decimals, 0.0152 equals 1.52%. In Swedish this is called effektivränta and has to be shown to the end user for the loan to be embursed.

The calculated effective interest rate depends on:

1. given interest rate for the mortgage loan (values between 0 and 1 are possible), 0.0123 equals 1.23%
2. loan amount in SEK
3. months between payments (1, 2, 3, 4, 6, 12 months are possible, default 1 month)
4. number of years that the loan is valid (between 1 and 50 years is possible, default 40 years)
5. initial fee for the loan in SEK (default 0)
6. periodic fee for the loan in SEK (default 0)