- The banks' gross margin is declining, but it remains high. Thus, from the consumer's perspective, there is room for negotiation. There is room for consumers and it is important that they engage in a dialogue with the mortgage players to look at the possibilities of lowering their interest costs, says Magnus Karlsson, head of macro analysis at Fi.

The fact that there is room for negotiation is something that SVT's economics commentator Johanna Cervenka also agrees with.

- Although the mortgage margins have then fallen on the margin for the past quarter, they are at a historically high level. If you have a mortgage, it always pays to try to put the banks against each other and negotiate your interest rate, she says.

According to the Swedish Financial Supervisory Authority's survey, the so-called gross margin, ie the banks' actual lending rate less financing costs, fell during the third quarter - from 1.44 percent to 1.42. According to Magnus Karlsson, there may be many explanations for the reduction in margins.

- We have seen that the gross margin has gone down a few quarters now. We do not analyze why the gross margin goes down. There may be many explanations, but what we have seen in recent years is that the market shares of medium-sized banks are rising somewhat at the expense of larger banks, he says.

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