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 29, 2018

Cover pool SEK 210 938 M
Retail mortgages SEK 201 363 M
Substitute collateral SEK 9 575 M
OC, nominal, current level  32,77%
Weighted average Max-LTV¹ 57,9%
FX-risk 0
Number of loans 372 319
Number of borrowers 164 243
Number of properties 164 083
Average loan size SEK 540 835
Substitute collateral SEK 9 575 M
Swedish covered bonds AAA/Aaa SEK 9 575 M 100%
Swedish government bonds SEK 0 M 0%
Collateral: Private homes only in Sweden
Single-family homes SEK 144 961 M 72%
Tenant-owned apartments SEK 52 255 M 26%
Vacation homes SEK 4 147 M 2%
Total SEK 201 363 M 100%
Weighted average Max-LTV, %, Collateral
Single-family homes 58%
Tenant-owned apartments 59%
Vacation homes 54%
Remaining interest-rate fixing period
0-3 m SEK 144 359 M 72%
3 m -1 yr SEK 1 716 M 1%
1-3 yrs SEK 36 282 M 18%
3-5 yrs SEK 16 913 M 8%
> 5 yrs SEK 2 093 M 1%
Total SEK 201 363 M 100%
Average seasoning (months)   59,7
0-12 m SEK 44 245 M 22%
12-24 m SEK 27 548 M 14%
24-36 m SEK 24 760 M 12%
36-60 m SEK 32 887 M 16%
> 60 m SEK 71 924 M 36%
Total SEK 201 363 M 100%
LTV-distribution, %, by-start-LTV (ASCB)
0-10% SEK 40 788 M 20%
11-20% SEK 37 796 M 19%
21-30% SEK 34 295 M 17%
31-40% SEK 30 235 M 15%
41-50% SEK 25 458 M 13%
51-60% SEK 18 914 M 9%
61-70% SEK 11 111 M 6%
71-75% SEK 2 767 M 1%
Total SEK 201 363 M 100%
Distribution of interest-rate type, %
Floating SEK 146 176 M 73%
Fixed 2 - 5 yrs SEK 40 444 M 20%
Fixed 5 years and more SEK 14 743 M 7%
Total SEK 201 363 M 100%
Interest-payment frequency, %
Monthly SEK 195 845 M  97%
Quarterly SEK 5 519 M   3%
Total SEK 201 363 M  100%
Amortisation, %
Amortisation  SEK 100 754 M 50%
Interest only SEK 100 609 M 50%
Total SEK 201 363 M 100%
Geographic distribution, %
Greater Stockholm SEK 30 885 M 15%
Gothenburg SEK 18 002 M 9%
Greater Malmoe SEK 7 141 M 4%
Southern Sweden SEK 20 549 M 10%
West of Sweden SEK 47 766 M 24%
East of Sweden SEK 46 242 M 23%
North Sweden SEK 30 779 M 15%
Outside Sweden - 0%
Total SEK 201 363 M 100%
Prior ranks, %
No prior ranks SEK 192 670 M 96%
Prior ranks SEK 8 693 M 4%
Total SEK 201 363 M 100%
Impaired loans: None
Dynamic pool: Yes
Credit quality, past due, share of loan volume %
1-30 days SEK 3 M 0.00%
31-60 days SEK 0 M 0,00%
> 61 days SEK 0 M 0,00%
Total SEK 3 M 0.00%
Loan distribution, %
< SEK 500,000 SEK 10 704 M 5%
SEK 500,000-SEK 1 M SEK 30 755M 15%
SEK 1 M- SEK 1.5 M SEK 40 993 M 20%
SEK 1.5 M - SEK 2.5 M SEK 67 676 M 34%
SEK 2.5 M - SEK 5 M SEK 47 093 M 23%
> SEK 5 M SEK 4 141 M 2%
Total SEK 201 363 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.