{"id":53263,"date":"2019-11-30T13:39:35","date_gmt":"2019-11-30T13:39:35","guid":{"rendered":"https:\/\/vinklad.se\/?p=53263"},"modified":"2022-06-28T17:32:28","modified_gmt":"2022-06-28T15:32:28","slug":"53263","status":"publish","type":"post","link":"https:\/\/vinklad.se\/index.php\/2019\/11\/30\/53263\/","title":{"rendered":"Danskes nya bol\u00e5neprodukt kan bli julklapp till unga"},"content":{"rendered":"<p><strong>Ute blir det m\u00f6rkare, men<\/strong>\u00a0p\u00e5 bostadsmarknaden ljusnar det n\u00e5got, om vi ska tro medierna. Nybyggandet har kommit ig\u00e5ng. N\u00e5gra banker har s\u00e4nkt tr\u00f6skeln f\u00f6r unga att f\u00e5 l\u00e5n (se nedan). Dessutom r\u00f6r danskarna om i julgr\u00f6ten. H\u00e4r i\u00a0Sverige \u00e4r det vanligast med r\u00f6rlig r\u00e4nta, och de som binder v\u00e4ljer ofta 3 eller maximalt 5 \u00e5r.<br \/>\nNu tycker Danske Bank att kunderna ska binda l\u00e5net p\u00e5 30 \u00e5r, och dessutom vara beredda att betala en betydligt h\u00f6gre r\u00e4nta.<\/p>\n<p><strong>Och po\u00e4ngen?\u00a0I\u00a0dag kr\u00e4ver<\/strong>\u00a0de flesta banker att en l\u00e5ntagare ska klara att betala r\u00e4ntorna \u00e4ven om de i en framtid stiger till 7 procent. Genom att binda r\u00e4ntan p\u00e5 30 \u00e5r beh\u00f6ver banken inte ha en h\u00f6gre kalkylr\u00e4nta, och det ska ge kunden m\u00f6jlighet att l\u00e5na mer pengar.<br \/>\n\u2013 Med den h\u00e4r produkten beh\u00f6vs inte den marginalen i kalkylr\u00e4ntan. Vi vet att kunden kommer att ha samma r\u00e4nta i 30 \u00e5r, s\u00e4ger Danske Banks Sverigechef\u00a0<strong><a href=\"https:\/\/www.svd.se\/30-ariga-bolan-ska-ge-fler-mojlighet-att-kopa-dyrare\" target=\"_blank\" rel=\"noopener noreferrer\">Johanna Norberg<\/a>.\u00a0<\/strong><\/p>\n<p><strong><br \/>\nDet betyder inte att\u00a0<\/strong>banken\u00a0kommer att ha en mindre rigid kreditpr\u00f6vning. Danske Bank r\u00e4knar\u00a0d\u00e4rf\u00f6r ocks\u00e5 med att l\u00e5ntagare ska kunna l\u00e5na 10\u201320 procent mer tack vare den nya produkten, som\u00a0ocks\u00e5 underl\u00e4ttar f\u00f6r att unga att f\u00e5 l\u00e5n.<\/p>\n<p><strong>Det \u00e5terst\u00e5r att se hur de<\/strong>\u00a0andra bankerna\u00a0reagerar. Klart \u00e4r att finansieringen \u00e4r ett n\u00e5ls\u00f6ga f\u00f6r m\u00e5nga som vill och beh\u00f6ver k\u00f6pa bostad.<\/p>\n<p><strong>PS:<\/strong>\u00a0Bankerna st\u00e5r f\u00f6r finansieringen, n\u00e4r det g\u00e4ller allt annat kring ditt bostadsk\u00f6p st\u00e5r vi p\u00e5 byr\u00e5n g\u00e4rna till tj\u00e4nst med r\u00e5d. Nedan n\u00e5gra\u00a0erbjudanden och nyheter fr\u00e5n en marknad som alltid r\u00f6r sig.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ute blir det m\u00f6rkare, men\u00a0p\u00e5 bostadsmarknaden ljusnar det n\u00e5got, om vi ska tro medierna. <\/p>\n","protected":false},"author":2,"featured_media":53413,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[8],"tags":[],"class_list":["post-53263","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kronika","et-has-post-format-content","et_post_format-et-post-format-standard"],"_links":{"self":[{"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/posts\/53263","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/comments?post=53263"}],"version-history":[{"count":0,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/posts\/53263\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/media\/53413"}],"wp:attachment":[{"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/media?parent=53263"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/categories?post=53263"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/tags?post=53263"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}