{"id":67020,"date":"2024-06-26T00:00:00","date_gmt":"2024-06-25T22:00:00","guid":{"rendered":"https:\/\/vinklad.se\/?p=67020"},"modified":"2024-06-28T09:46:36","modified_gmt":"2024-06-28T07:46:36","slug":"sex-av-tio-hushall-med-bolan-har-en-belaningsgrad-over-50-procent","status":"publish","type":"post","link":"https:\/\/vinklad.se\/index.php\/2024\/06\/26\/sex-av-tio-hushall-med-bolan-har-en-belaningsgrad-over-50-procent\/","title":{"rendered":"Sex av tio har l\u00e5nat \u00f6ver 50 procent till bostaden"},"content":{"rendered":"<p>Att f\u00e5 l\u00e5na pengar \u00e4r n\u00e5ls\u00f6gat f\u00f6r de allra flesta av oss som vill k\u00f6pa en ny bostad. I debatten s\u00e4gs ofta att svenska \u00e4r Europas mest bel\u00e5nade folk, n\u00e5got som Riksbanken inte gillar.<br \/>\nSedan mars i fjol samlar SCB in uppgifter om hush\u00e5llens bel\u00e5ningsgrad p\u00e5 uppdrag av Riksbanken.<br \/>\nResultatet just nu:<br \/>\n\u2013 Vi kan se att 60 procent av hush\u00e5llen har en bel\u00e5ningsgrad p\u00e5 \u00f6ver 50 procent. N\u00e5gra hush\u00e5ll ligger p\u00e5 en h\u00f6gre niv\u00e5, 8 procent har en bel\u00e5ningsgrad p\u00e5 85 procent eller mer baserat p\u00e5 aktuell marknadsv\u00e4rdering, s\u00e4ger <strong>Anton Bratt<\/strong>, nationalekonom p\u00e5 SCB.<\/p>\n<div>\n<h3>Andel av hush\u00e5llens l\u00e5nevolym f\u00f6r bol\u00e5n f\u00f6rdelade p\u00e5 bel\u00e5ningsgrader i procent, utest\u00e5ende avtal, april 2024<\/h3>\n<p><img decoding=\"async\" src=\"https:\/\/www.scb.se\/contentassets\/eada93b9f0524324afcbb3138b741cae\/belaningsgrad-april-2024-pajdiagram.png\" alt=\"\" \/><\/p>\n<p>Bel\u00e5ningsgraden \u00e4r storleken p\u00e5 ett bol\u00e5n dividerat med v\u00e4rdet p\u00e5 s\u00e4kerheten, det vill s\u00e4ga bostaden. Ett hush\u00e5ll som tar ett bol\u00e5n p\u00e5 1,6 miljoner f\u00f6r att k\u00f6pa en bostad f\u00f6r 2 miljoner kronor har allts\u00e5 en bel\u00e5ningsgrad p\u00e5 80 procent.<\/p>\n<p>Den bel\u00e5ningsgrad som hush\u00e5llen har p\u00e5verkar bland annat hur mycket man beh\u00f6ver amortera, det vill s\u00e4ga betala av p\u00e5 sitt bol\u00e5n.<\/p>\n<p>De regler som g\u00e4ller f\u00f6r bol\u00e5n inneb\u00e4r att hush\u00e5ll med en bel\u00e5ningsgrad p\u00e5 \u00f6ver 50 procent men mindre \u00e4n 70 procent ska amortera en procent av l\u00e5nebeloppet \u00e5rligen. Har hush\u00e5llet en bel\u00e5ningsgrad p\u00e5 \u00f6ver 70 procent ska man amortera 2 procent av l\u00e5nebeloppet \u00e5rligen.<br \/>\nHar du koll p\u00e5 din bel\u00e5ningsgrad?<\/p>\n<p><strong>Beh\u00f6ver du l\u00e4sa p\u00e5?<\/strong> Mer materisl hittar du <strong>h\u00e4r.<\/strong><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>De regler som g\u00e4ller f\u00f6r bol\u00e5n inneb\u00e4r att hush\u00e5ll med en bel\u00e5ningsgrad p\u00e5 \u00f6ver 50 procent men mindre \u00e4n 70 procent ska amortera en procent av l\u00e5nebeloppet \u00e5rligen.<br \/>\nDet kan j\u00e4mf\u00f6ras med samtliga bol\u00e5neavtal, d\u00e4r 29 procent har en bel\u00e5ningsgrad p\u00e5 \u00f6ver 70 procent, s\u00e4ger Anton Bratt.<\/p>\n","protected":false},"author":2,"featured_media":67098,"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":[5],"tags":[7945],"class_list":["post-67020","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-statistikmyndigheten-scb","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\/67020","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=67020"}],"version-history":[{"count":0,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/posts\/67020\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/media\/67098"}],"wp:attachment":[{"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/media?parent=67020"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/categories?post=67020"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/tags?post=67020"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}