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 December 29, 2017

Cover pool SEK 197 671 M
Retail mortgages SEK 188 396 M
Substitute collateral SEK 9 275 M
OC, nominal, current level  34,79%
Weighted average Max-LTV¹ 56,7%
FX-risk 0
Number of loans 357 051
Number of borrowers 157 840
Number of properties 157 643
Average loan size SEK 527 645
Substitute collateral SEK 9 275 M
Swedish covered bonds AAA/Aaa SEK 9 275 M 100%
Swedish government bonds SEK 0 M 0%
Collateral: Private homes only in Sweden
Single-family homes SEK 136 246 M 72%
Tenant-owned apartments SEK 48 161 M 26%
Vacation homes SEK 3 990 M 2%
Total SEK 188 396 M 100%
Weighted average Max-LTV, %, Collateral
Single-family homes 57%
Tenant-owned apartments 57%
Vacation homes 53%
Remaining interest-rate fixing period
0-3 m SEK 128 866 M 68%
3 m -1 yr SEK 1 329 M 1%
1-3 yrs SEK 39 023 M 21%
3-5 yrs SEK 17 067 M 9%
> 5 yrs SEK 2 111 M 1%
Total SEK 188 396 M 100%
Average seasoning (months)
0-12 m SEK 39 209 M 21%
12-24 m SEK 26 808 M 14%
24-36 m SEK 25 304 M 13%
36-60 m SEK 28 643 M 15%
> 60 m SEK 68 432 M 36%
Total SEK 188 396 M 100%
LTV-distribution, %, by-start-LTV (ASCB)
0-10% SEK 39 104 M 21%
11-20% SEK 36 085 M 19%
21-30% SEK 32 555 M 17%
31-40% SEK 28 483 M 15%
41-50% SEK 23 703 M 13%
51-60% SEK 17 138 M 9%
61-70% SEK 9 280 M 5%
71-75% SEK 2 048 M 1%
Total SEK 188 396 M 100%
Distribution of interest-rate type, %
Floating SEK 130 307 M 69%
Fixed 2 - 5 yrs SEK 43 015 M 23%
Fixed 5 years and more SEK 15 075 M 8%
Total SEK 188 396 M 100%
Interest-payment frequency, %
Monthly SEK 182 564 M  97%
Quarterly SEK 5 832 M   3%
Total SEK 188 396 M  100%
Amortisation, %
Amortisation  SEK 91 177 M 48%
Interest only SEK 97 219 M 52%
Total SEK 188 396 M 100%
Geographic distribution, %
Greater Stockholm SEK 29 361 M 16%
Gothenburg SEK 16 551 M 9%
Greater Malmoe SEK 6 363 M 3%
Southern Sweden SEK 19 019 M 10%
West of Sweden SEK 44 806 M 24%
East of Sweden SEK 43 174 M 23%
North Sweden SEK 29 123 M 15%
Outside Sweden - 0%
Total SEK 188 396 M 100%
Prior ranks, %
No prior ranks SEK 179 830 M 95%
Prior ranks SEK 8 566 M 5%
Total SEK 188 396 M 100%
Impaired loans: None
Dynamic pool: Yes
Credit quality, past due, share of loan volume %
1-30 days SEK 1 M 0.00%
31-60 days SEK 0 M 0,00%
> 61 days SEK 0 M 0,00%
Total SEK 1 M 0.00%
Loan distribution, %
< SEK 500,000 SEK 10 685 M 6%
SEK 500,000-SEK 1 M SEK 30 109 M 16%
SEK 1 M- SEK 1.5 M SEK 39 179 M 21%
SEK 1.5 M - SEK 2.5 M SEK 62 651 M 33%
SEK 2.5 M - SEK 5 M SEK 42 045 M 22%
> SEK 5 M SEK 3 727 M 2%
Total SEK 188 396 M 100%

1) According to the "Maximum LTV (loan-to-value) per property" calculation method defined by ASCB (Association of Swedish Covered Bond Issuers) with indexed values.