The repo rate has been at a record low, for minus, for several years. Today, the Riksbank came with the message to leave the repo rate unchanged. But as before, the forecast indicates that interest rates are most likely to be raised to zero percent in December. Maria Landeborn, economist at Danske Bank, explained in the Morning Studio on Thursday what this could mean.

- What we can be pretty sure of is that we are moving towards a time of lower growth, says Maria Landeborn.

The gap between the repo rate and the banks' interest rates is at high levels.

- What you can interpret in this is that there is room to negotiate the mortgage rate. Go to the bank and question for there is room, says Maria Landeborn, economist at Danske Bank.

Borrowing rates can be raised

Frida Bratt, economist Nordnet.

Frida Bratt, savings economist at Nordnet, says that mortgage rates could be raised a little in connection with the increase in December - if implemented.

- At the same time you say that you will stick to the slack interest rate path and not raise that much later. Then we have historically low levels of mortgage rates, says Frida Bratt.

Bratt therefore believes that one should not fix the interest rate if they raise the repo rate once. If there is a sharp weakening of the economy, one may have to lower, according to her.

- If you have margins, you can stay calm and keep the interest rate variable. If you bind yourself to the bank you bind yourself because you cannot take advantage of the competitive situation. Then you have to be sure that you want to stay in the home because it can be expensive to break early, says Frida Bratt.

See more in the clip above.