Cover Pool

Collateral comprises only private homes, including single-family homes, tenant-owned apartments and, to a marginal extent vacation homes. Lending only takes place in Sweden and the geographic distribution in Sweden is well-allocated. All lending is in SEK and all foreign currency is swapped to SEK.

Länsförsäkringar Hypotek gives information in accordance with the ECBC "The Covered Bond Label", a common standard for increased transparency in the European covered bond market.

Read more about The Covered Bond Label

Cover pool March 31, 2021

Cover pool (mkr) Cover pool (mkr)
262 464 262 464
Retail Mortgages (mkr) Retail Mortgages (mkr)
252 574 252 574
Substitute Collateral (mkr) Substitute Collateral (mkr)
9 890 9 890
OC, nominal, current level: OC, nominal, current level:
34,64% 34,64%
weighted average Max-LTV: weighted average Max-LTV:
58,6% 58,6%
FX-risk: FX-risk:
0 0
Number of loans: Number of loans:
420 692 420 692
Number of borrowers: Number of borrowers:
186 083 186 083
Number of properties: Number of properties:
185 418 185 418
Average Loan size (kr): Average Loan size (kr):
600 377 600 377
Substitute collateral (mkr): Substitute collateral (mkr):
9 890 9 890
Swedish covered bonds AAA/Aaa (mkr) Swedish covered bonds AAA/Aaa (mkr)
9 890 9 890
100% 100%
Swedish government bonds (mkr) Swedish government bonds (mkr)
0 0
0% 0%
Collateral: Private homes only in Sweden Collateral: Private homes only in Sweden
Single-family homes (mkr) Single-family homes (mkr)
181 919 181 919
72% 72%
Tenant-owned apartments (mkr) Tenant-owned apartments (mkr)
65 047 65 047
26% 26%
Vacation homes (mkr) Vacation homes (mkr)
5 608 5 608
2% 2%
Total (mkr) Total (mkr)
252 574 252 574
100% 100%
Weighted average Max-LTV, %, Collateral Weighted average Max-LTV, %, Collateral
Single-family homes (mkr) Single-family homes (mkr)
58% 58%
Tenant-owned apartments (mkr) Tenant-owned apartments (mkr)
62% 62%
Vacation homes (mkr) Vacation homes (mkr)
53% 53%
Remaining interest-rate fixing period Remaining interest-rate fixing period
0-3 m (mkr) 0-3 m (mkr)
59 59
0% 0%
3 mån - 1 yr (mkr) 3 mån - 1 yr (mkr)
105 832 105 832
42% 42%
1-3 yr (mkr) 1-3 yr (mkr)
29 032 29 032
11% 11%
3-5 yrs (mkr) 3-5 yrs (mkr)
92 826 92 826
37% 37%
>5 yrs (mkr) >5 yrs (mkr)
24 824 24 824
10% 10%
Total (mkr) Total (mkr)
252 574 252 574
100% 100%
Average seasoning (months) Average seasoning (months)
63,1 63,1
0-12 m (mkr) 0-12 m (mkr)
39 035 39 035
15% 15%
12-24 m (mkr) 12-24 m (mkr)
33 373 33 373
13% 13%
24-36 m (mkr) 24-36 m (mkr)
30 351 30 351
12% 12%
36-60 m (mkr) 36-60 m (mkr)
49 130 49 130
19% 19%
> 60 m (mkr) > 60 m (mkr)
100 684 100 684
40% 40%
Total (mkr) Total (mkr)
252 574 252 574
100% 100%
LTV-distribution, %, by-start-LTV (ASCB) LTV-distribution, %, by-start-LTV (ASCB)
0-10% (mkr) 0-10% (mkr)
50 118 50 118
20% 20%
11-20% (mkr) 11-20% (mkr)
46 806 46 806
19% 19%
21-30% (mkr) 21-30% (mkr)
42 867 42 867
17% 17%
31-40% (mkr) 31-40% (mkr)
38 162 38 162
15% 15%
41-50% (mkr) 41-50% (mkr)
31 771 31 771
13% 13%
51-60% (mkr) 51-60% (mkr)
23 796 23 796
9% 9%
61-70% (mkr) 61-70% (mkr)
14 960 14 960
6% 6%
71-75% (mkr) 71-75% (mkr)
4 093 4 093
2% 2%
Total (mkr) Total (mkr)
252 574 252 574
100% 100%
Distribution of interest-rate type, % Distribution of interest-rate type, %
Floating (mkr) Floating (mkr)
118 469 118 469
47% 47%
Fixed 2 - 5 år (mkr) Fixed 2 - 5 år (mkr)
109 280 109 280
43% 43%
Fixed 5 år och mer (mkr) Fixed 5 år och mer (mkr)
24 825 24 825
10% 10%
Total (mkr) Total (mkr)
252 574 252 574
100% 100%
Interest-payment frequency, % Interest-payment frequency, %
Monthly (mkr) Monthly (mkr)
248 452 248 452
98% 98%
Quarterly (mkr) Quarterly (mkr)
4 121 4 121
2% 2%
Total (mkr) Total (mkr)
252 574 252 574
100% 100%
Amortisation, % Amortisation, %
Amortering (mkr) Amortering (mkr)
138 837 138 837
55% 55%
Interest only (mkr) Interest only (mkr)
113 737 113 737
45% 45%
Total (mkr) Total (mkr)
252 574 252 574
100% 100%
Geograpic distribution, % Geograpic distribution, %
Greater Stockholm (mkr) Greater Stockholm (mkr)
34 259 34 259
14% 14%
Gothenburg (mkr) Gothenburg (mkr)
23 308 23 308
9% 9%
Greater Malmoe (mkr) Greater Malmoe (mkr)
9 835 9 835
4% 4%
Southern Sweden (mkr) Southern Sweden (mkr)
29 071 29 071
12% 12%
West of Sweden (mkr) West of Sweden (mkr)
60 276 60 276
24% 24%
East of Sweden (mkr) East of Sweden (mkr)
57 915 57 915
23% 23%
North Sweden (mkr) North Sweden (mkr)
37 909 37 909
15% 15%
Outside Sweden (mkr) Outside Sweden (mkr)
Total (mkr) Total (mkr)
252 574 252 574
100% 100%
Prior ranks, % Prior ranks, %
No prior ranks (mkr) No prior ranks (mkr)
246 388 246 388
98% 98%
Prior ranks (mkr) Prior ranks (mkr)
6 185 6 185
2% 2%
Total (mkr) Total (mkr)
252 574 252 574
100% 100%
Impaired loans: None Impaired loans: None
Dynamic pool: Yes Dynamic pool: Yes
Credit quality past due, share of loan volume, % Credit quality past due, share of loan volume, %
1-30 days (mkr) 1-30 days (mkr)
8 8
0,0% 0,0%
31-60 days (mkr) 31-60 days (mkr)
> 61 days (mkr) > 61 days (mkr)
Total (mkr) Total (mkr)
8 8
0,0% 0,0%
Loan distribution, % Loan distribution, %
< SEK 500 000 < SEK 500 000
10 199 10 199
4% 4%
SEK 500 000 kr -1 M SEK 500 000 kr -1 M
32 248 32 248
13% 13%
SEK 1-1,5 M SEK 1-1,5 M
47 263 47 263
19% 19%
SEK 1,5-2,5 M SEK 1,5-2,5 M
85 695 85 695
34% 34%
SEK 2,5-5 M SEK 2,5-5 M
71 195 71 195
28% 28%
> SEK 5 M > SEK 5 M
5 974 5 974
2% 2%
Total Total
252 574 252 574
100% 100%

Harmonised Transparency Template

HTT Q1 2021
HTT Q4 2020
HTT Q3 2020
HTT Q2 2020
HTT Q1 2020
HTT Q4 2019
HTT Q3 2019
HTT Q2 2019
HTT Q1 2019
HTT Q4 2018
HTT Q3 2018
HTT Q2 2018
HTT Q1 2018
HTT Q4 2017
HTT Q3 2017
HTT Q2 2017
HTT Q1 2017
HTT Q4 2016
HTT Q3 2016

Covered Bond Label Reports 2021

Report 31 Jan 2021

Report 28 Feb 2021

Report 31 Mar 2021

Covered Bond Label Reports 2020

Report 31 Dec 2020

Report 30 Nov 2020

Report 30 Oct 2020

Report 30 Sept 2020

Report 31 Aug 2020

Report 31 Jul 2020

Report 30 Jun 2020

Report 29 May 2020

Report 30 Apr 2020

Report 31 Mar 2020

Report 28 Feb 2020

Report 31 Jan 2020

Covered Bond Label Reports 2019

Report 30 Dec 2019

Report 29 Nov 2019

Report 31 Oct 2019

Report 30 Sep 2019

Report 30 Aug 2019

Report 31 July 2019

Report 28 June 2019

Report 31 May 2019

Report 30 April 2019

Report 29 Mar 2019

Report 28 Feb 2019

Report 31 Jan 2019

Covered Bond Label Reports 2018

Covered Bond Label Reports 2017

Covered Bond Label Reports 2016

Covered Bond Label Reports 2015

Covered Bond Label Reports 2014

Covered Bond Label Reports 2013

Covered Bond Label Reports 2012

Cover Pool and Covered Bond Data 2013

Cover Pool and Covered Bond Data 2012 and earlier

 

Additional information 31 Jan 2013 - 31 March 2014