Cover pool

Säkerheterna i cover poolen består enbart av privatbostäder, vilket inkluderar villor, bostadsrätter och till en marginell del fritidshus. Utlåningen sker enbart i Sverige och har en god geografisk distribution. All utlåning sker i svenska kronor och all utländsk valuta swappas till svenska kronor.

Länsförsäkringar Hypotek ger information i enlighet med ECBCs "The Covered Bond Label", som är en gemensam standard för ökad transparens i den europeiska marknaden för säkerställda obligationer

Mer information om The Covered Bond Label

Cover pool June 28, 2019

Cover pool (mkr)                                                            233 943
Retail Mortgages (mkr)                                                             223 203
Substitute Collateral (mkr)                                                               10 740
OC, nominal, current level:   36,31%
weighted average Max-LTV:                                                               59,3%
FX-risk:                                                                         0
Number of loans:                                                            395 924
Number of borrowers:                                                             174 691
Number of properties:                                                             174 757
Average Loan size (kr):                                                            563 752
Substitute collateral (mkr):                                                            10 740   

Swedish covered bonds AAA/Aaa  (mkr)

           10 740    100%
Swedish government bonds (mkr)            0 0%
Collateral: Private homes only in Sweden
Single-family homes (mkr) 160 685 72%
Tenant-owned apartments (mkr) 57 957 26%
Vacation homes (mkr) 4 562 2%
Total (mkr) 223 203 100%
Weighted average Max-LTV, %, Collateral
Single-family homes  (mkr) 59%
Tenant-owned apartments (mkr) 63%
Vacation homes (mkr) 53%
Remaining interest-rate fixing period
0-3 m (mkr) 133 710 60%
3 mån - 1 yr (mkr) 1 677 1%
1-3 yr (mkr) 67 509 30%
3-5 yrs (mkr) 18 162 8%
>5 yrs (mkr) 2 144 1%
Total (mkr) 223 203 100%
Average seasoning (months)   59,3
0-12 m (mkr) 40 412    18%
12-24 m (mkr) 36 362    16%
24-36 m (mkr) 25 202    11%
36-60 m (mkr) 42 160    19%
> 60 m (mkr) 79 067    35%
Total  (mkr) 223 203 100%
LTV-distribution, %, by-start-LTV (ASCB)
0-10%  (mkr) 42 914 19%
11-20%  (mkr) 40 239 18%
21-30%  (mkr) 37 042 17%
31-40%  (mkr) 33 384 15%
41-50%  (mkr) 28 782 13%
51-60%  (mkr) 22 126 10%
61-70%  (mkr) 14 198 6%
71-75%  (mkr) 4 518 2%
Total (mkr) 223 203 100%
Distribution of interest-rate type, %
Floating (mkr) 135 387 61%
Fixed 2 - 5 år (mkr) 71 561 32%
Fixed 5 år och mer (mkr) 16 254 7%
Total (mkr) 223 203 100%
Interest-payment frequency, %
Monthly (mkr) 218 277 98%
Quarterly (mkr) 4 925 2%
Total (mkr) 223 203 100%
Amortisation, %
Amortering (mkr) 115 586 52%
Interest only (mkr) 107 617 48%
Total:  (mkr) 223 203 100%
Geograpic distribution, %
Greater Stockholm (mkr) 33 906 15%
Gothenburg (mkr) 19 850 9%
Greater Malmoe (mkr) 8 203 4%
Southern Sweden (mkr) 24 044 11%
West of Sweden (mkr) 52 539 24%
East of Sweden (mkr) 50 702 23%
North Sweden (mkr) 33 958 15%
Outside Sweden (mkr)    
Total (mkr) 223 203 100%
Prior ranks, %
No prior ranks (mkr) 219 214 98%
Prior ranks (mkr) 3 989 2%
Total (mkr) 223 203 100%
Impaired loans: None
Dynamic pool: Yes
Credit quality past due, share of loan volume, %
1-30 days (mkr) 0,24 0,00%
31-60 days (mkr)    
> 61 days (mkr)    
Total (mkr) 0 0,00%
Loan distribution, %
< SEK 500 000  10 650 5%
SEK 500 000 kr -1 M 31 943 14%
SEK 1-1,5 M 44 440 20%
SEK 1,5-2,5 M 75 425 34%
SEK 2,5-5 M 55 912 25%
> SEK 5 M 4 832 2%
Total 223 203 100%