{"id":174,"date":"2017-09-03T21:02:44","date_gmt":"2017-09-03T20:02:44","guid":{"rendered":"http:\/\/www.inkomsten.se\/?p=174"},"modified":"2017-09-03T21:02:44","modified_gmt":"2017-09-03T20:02:44","slug":"krav-pa-bolan","status":"publish","type":"post","link":"https:\/\/sitetips.nu\/ekonomitips\/krav-pa-bolan\/","title":{"rendered":"Krav p\u00e5 bol\u00e5n"},"content":{"rendered":"

Kraven p\u00e5 de som vill ta l\u00e5n till en bostad har sk\u00e4rpts en del. L\u00e5ntagare skall kunna klara \u00e5tminstone 6% – 8 % r\u00e4nta.\u00a0 De l\u00e5ga r\u00e4ntorna \u00e4r n\u00e4mligen bara tillf\u00e4lliga. P\u00e5 l\u00e5ng sikt ligger genomsnittsr\u00e4ntan p\u00e5 mellan 5 – 7 procent.<\/p>\n

D\u00e4rf\u00f6r r\u00e4knar bankerna med att bol\u00e5netagarna ska klara av betydligt tuffare tider och i ber\u00e4kningarna p\u00e5 inkomster och m\u00f6jlig l\u00e5nesumma kr\u00e4ver man att l\u00e5ntagaren ska klara av en viss r\u00e4nteniv\u00e5 med aktuell inkomst, bankerna brukar kalla detta r\u00e4ntekrav f\u00f6r kalkylr\u00e4nta.<\/p>\n

L\u00e4gst krav har Danske Bank, som r\u00e4knar med att l\u00e5ntagaren ska klara en bol\u00e5ner\u00e4nta p\u00e5 6 procent SBAB, SEB och Swedbank r\u00e4knar med att kunden klarar 7 procent i r\u00e4nta medan Handelsbanken kr\u00e4ver 7,5 procent.
\nNordea kr\u00e4ver att bol\u00e5netagaren klarar 8 procent i r\u00e4nta.<\/p>\n

Lagen s\u00e4ger dessutom att man skall kunna stoppa in 15 % av bostadens pris i egen kontantinsats<\/a>. Resterande 85 % kan man f\u00e5 bol\u00e5n f\u00f6r.<\/p>\n

Men m\u00e5nga kanske v\u00e4ljer att inte spara ihop till kontantinsatsen utan tar blancol\u00e5n eller privatl\u00e5n, eller l\u00e5ter n\u00e5gon sl\u00e4kting st\u00e5 p\u00e5 l\u00e5net.<\/p>\n

Det trissar upp bostadspriserna ytterligare och ger en osund konkurrens mot de som v\u00e4ljer s\u00e4krare alternativ som att spara ihop till kontantinsatsen.<\/p>\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Kraven p\u00e5 de som vill ta l\u00e5n till en bostad har sk\u00e4rpts en del. L\u00e5ntagare skall kunna klara \u00e5tminstone 6% – 8 % r\u00e4nta.\u00a0 De l\u00e5ga r\u00e4ntorna \u00e4r n\u00e4mligen bara tillf\u00e4lliga. P\u00e5 l\u00e5ng sikt ligger genomsnittsr\u00e4ntan p\u00e5 mellan 5 – 7 procent. D\u00e4rf\u00f6r r\u00e4knar bankerna med att bol\u00e5netagarna ska klara av betydligt tuffare tider och … Forts\u00e4tt l\u00e4sa Krav p\u00e5 bol\u00e5n<\/span><\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[8],"tags":[],"class_list":["post-174","post","type-post","status-publish","format-standard","hentry","category-fastigheter"],"yoast_head":"\nKrav p\u00e5 bol\u00e5n - ekonomitips<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sitetips.nu\/ekonomitips\/krav-pa-bolan\/\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Krav p\u00e5 bol\u00e5n - ekonomitips\" \/>\n<meta property=\"og:description\" content=\"Kraven p\u00e5 de som vill ta l\u00e5n till en bostad har sk\u00e4rpts en del. L\u00e5ntagare skall kunna klara \u00e5tminstone 6% – 8 % r\u00e4nta.\u00a0 De l\u00e5ga r\u00e4ntorna \u00e4r n\u00e4mligen bara tillf\u00e4lliga. P\u00e5 l\u00e5ng sikt ligger genomsnittsr\u00e4ntan p\u00e5 mellan 5 – 7 procent. 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