{"id":67198,"date":"2024-08-28T10:16:30","date_gmt":"2024-08-28T08:16:30","guid":{"rendered":"https:\/\/vinklad.se\/?p=67198"},"modified":"2024-08-28T10:43:16","modified_gmt":"2024-08-28T08:43:16","slug":"bild-saknas-lat-inte-bankarna-ta-hela-vinsten-nar-rantan-sanks","status":"publish","type":"post","link":"https:\/\/vinklad.se\/index.php\/2024\/08\/28\/bild-saknas-lat-inte-bankarna-ta-hela-vinsten-nar-rantan-sanks\/","title":{"rendered":"L\u00e5t inte bankarna ta hela vinsten n\u00e4r r\u00e4ntan s\u00e4nks!"},"content":{"rendered":"<p>\u2013 R\u00f6sta med f\u00f6tterna. Byt bank om du inte f\u00e5r bra r\u00e4nta.<br \/>\nDet r\u00e5der ger <strong>Moa Langemark<\/strong>, konsumentskyddsekonom p\u00e5 Finansinspektionen, om att bankerna inte s\u00e4nker bol\u00e5nen i samma takt som de f\u00e5r l\u00e4gre uppl\u00e5ningsr\u00e4nta.<br \/>\nBankerna tj\u00e4nar cirka en miljard extra p\u00e5 bol\u00e5nen \u2013 och nya siffror fr\u00e5n Finansinspektionen visar p\u00e5 \u00f6kade marginaler.<\/p>\n<div class=\"Lead__root___PJ6pA\">\n<p>\u2013 Nu n\u00e4r bankerna tj\u00e4nar s\u00e5 bra och r\u00e4ntorna sjunker \u00e4r det dags att g\u00e5 till banken och f\u00f6rhandla om ditt bol\u00e5n p\u00e5 nytt, s\u00e4ger Moa Langemark till <a href=\"https:\/\/www.svt.se\/nyheter\/ekonomi\/nu-tjanar-bankerna-annu-mer-pa-bolanen\">Svt<\/a>.<\/p>\n<\/div>\n<div class=\"TextArticle__main___zH7wd\">\n<div class=\"StructuredArticleBody__root___yznDI\">\n<p><strong>Det du b\u00f6r veta:<\/strong> Den s\u00e5 kallade bol\u00e5nemarginalen har \u00f6kat 0,03 procentenheter, fr\u00e5n 0,59 procentenheter till 0,62 procentenheter. Det kan se ut som en fjuttig liten siffra, men eftersom bankerna har l\u00e5nat ut hela 4 000 miljarder kronor till bol\u00e5n blir det stora summor.<br \/>\nR\u00e4knat p\u00e5 ett \u00e5r, med nuvarande marginaler, blir det n\u00e4stan en miljard kronor extra, bara i \u00f6kade marginaler, enligt SVT:s ber\u00e4kning.<br \/>\nPengar som borde g\u00f6ra dina bol\u00e5n billigare<\/p>\n<p>\u2013 N\u00e4r r\u00e4ntorna sjunker \u00e4r det d\u00e4rf\u00f6r h\u00f6g tid f\u00f6r bol\u00e5netagare med r\u00f6rliga l\u00e5n ta sig ett samtal med sin bank, tycker Finansinspektionen.<br \/>\n\u2013 R\u00f6sta med f\u00f6tterna. Byt bank om du inte f\u00e5r bra r\u00e4nta, \u00e4r budskapet fr\u00e5n Moa Langemark, Finansinspektionen.<\/p>\n<\/div>\n<\/div>\n<p>PS: Sju av tio (66%) hush\u00e5ll med\u00a0 bol\u00e5n v\u00e4ljer nu r\u00f6rlig r\u00e4nta \u2013 det \u00e4r <a href=\"https:\/\/sverigesradio.se\/artikel\/rorliga-rantor-okar-hogsta-andelen-pa-25-ar--2\">den h\u00f6gsta andelen<\/a> under 2000-talet.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u2013 N\u00e4r r\u00e4ntorna sjunker \u00e4r det d\u00e4rf\u00f6r h\u00f6g tid f\u00f6r bol\u00e5netagare med r\u00f6rliga l\u00e5n ta sig ett samtal med sin bank, tycker Finansinspektionen.\u00a0<br \/>\n\u2013 R\u00f6sta med f\u00f6tterna. Byt bank om du inte f\u00e5r bra r\u00e4nta, \u00e4r budskapet fr\u00e5n Moa Langemark, Finansinspektionen.<\/p>\n","protected":false},"author":2,"featured_media":0,"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":[4],"tags":[],"class_list":["post-67198","post","type-post","status-publish","format-standard","hentry","category-citatet","et-doesnt-have-format-content","et_post_format-et-post-format-standard"],"_links":{"self":[{"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/posts\/67198","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=67198"}],"version-history":[{"count":0,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/posts\/67198\/revisions"}],"wp:attachment":[{"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/media?parent=67198"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/categories?post=67198"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/tags?post=67198"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}