How you are affected as a tenant:

Martin Hofverberg, chief economist at the Tenants' Association:

- We see that the tenants will be affected twice.

On the one hand, new housing production will fall, which will exacerbate the housing shortage.

The construction boom that has been going on for ten years has been based on low interest rates.

We see that the state needs to take a more active role, for example through favorable construction loans, if the market is not able to produce what is needed.

- The second aspect is that higher interest rates mean that property owners place higher demands on rents, they will want to be compensated for it.

If fewer and fewer people have the opportunity to take out a loan to buy a home, it is also not entirely impossible that there will be even longer queues for rental apartments, says Martin Hofverberg.

How you are affected as a small saver:

Frida Bratt, savings economist at Nordnet, points out that the Stockholm Stock Exchange is affected more by the American central bank than by the Swedish one.

Therefore, she believes that the interest rate increase does not really have any immediate consequences.

- On the other hand, it has consequences for savers in other ways, the savings tax is raised, the tax on ISK is based on the tax loan interest rate, even though it has already run away.

Then there are the psychological aspects in that we now have a higher interest rate situation.

You can become more cautious on the stock market and feel that you should have a buffer account.

The stock market mood is affected.

- If the tax is higher, the threshold for when it is worth having certain securities in ISK is raised.

- It can feel like a double whammy for private financial reasons.

Our housing costs are rising and inflation has consisted of high energy and food costs.

It is clear that it will be tough for many.

How you are affected as a mortgagee:

SVT's financial commentator Kristina Lagerström writes as follows in her analysis of the interest rate increase:

“If you choose to believe in the Riksbank this time, the variable mortgage rate will be 1.5 percentage points higher in two years.

That means SEK 900 a month for the wallet per million in mortgages.

But many assessors believe in as much as 2.5 percentage points, ie SEK 1,500 a month per million. ”

The increase of 0.25 is not in itself a large increase, but it marks a turning point after several years with zero and minus interest rates, Lagerström states.

- Those who have variable mortgages are directly affected.

But regardless of variable or fixed interest rates, you are affected by the rise in interest rates as you will sooner or later have to tie up your loans, says Kristina Lagerström.

Javascript is disabled

Javascript must be turned on to play video

Read more about browser support

The browser is not supported

SVT does not support playback in your browser.

We therefore recommend that you switch to a different browser.

Read more about browser support

"Expected message for everyone except the Riksbank" - hear SVT's financial commentator Kristina Lagerström about the higher policy rate in the clip.

Photo: SVT Morning Studio