{"id":67508,"date":"2024-11-07T09:08:46","date_gmt":"2024-11-07T08:08:46","guid":{"rendered":"https:\/\/vinklad.se\/?p=67508"},"modified":"2024-11-08T11:57:24","modified_gmt":"2024-11-08T10:57:24","slug":"sank-amorteringskravet-och-hoj-bolanetaket","status":"publish","type":"post","link":"https:\/\/vinklad.se\/index.php\/2024\/11\/07\/sank-amorteringskravet-och-hoj-bolanetaket\/","title":{"rendered":"&#8220;S\u00e4nk amorteringskravet och h\u00f6j bol\u00e5netaket&#8221;"},"content":{"rendered":"<p>Regeringens utredning f\u00f6resl\u00e5r att det strikta amorteringskravet tas bort och att bol\u00e5netaket h\u00f6js fr\u00e5n 85 till 90 procent. Det meddelade utredaren <strong>Peter Englund<\/strong> tillsammans med <span class=\"figcaption__text rs_skip\">Finansmarknadsminister <strong>Niklas Wykman <\/strong><\/span>under en presstr\u00e4ff.<br \/>\n\u2013 Att h\u00f6ja till 90 procent \u00e4r rimligt, s\u00e4ger Englund, och p\u00e5pekar att dagens amorteringskrav leder till h\u00f6ga betalningar i b\u00f6rjan av l\u00e5nets l\u00f6ptid. Av stabilitetssk\u00e4l anser han d\u00e4rf\u00f6r att det \u00e4r viktigt att mildra kravet.<\/p>\n<p>Utredningen f\u00f6resl\u00e5r ocks\u00e5 ett nytt skuldkvotskrav p\u00e5 550 procent. Det riktar sig till bankerna och inneb\u00e4r att de f\u00e5r ge l\u00e5n som h\u00f6gst \u00e4r p\u00e5 5,5 g\u00e5nger l\u00e5ntagarens bruttoinkomster.<br \/>\n\u2013 Det \u00e4r ett ganska grovt m\u00e5tt p\u00e5 betalningsf\u00f6rm\u00e5ga och vi tycker bankerna ska ha frihet p\u00e5 10 procent att ge l\u00e5n ut\u00f6ver kvoten, s\u00e4ger Peter Englund.<br \/>\nSkuldkvotstaket ska motverka att hush\u00e5llen \u00f6verskulds\u00e4tter sig.<br \/>\n\u2013 Det \u00e4r en s\u00e4kerhets\u00e5tg\u00e4rd om bol\u00e5netaket inte biter.<\/p>\n<p><strong>Christina Sahlberg<\/strong>, sparekonom p\u00e5 Compricer, tycker att f\u00f6rslaget \u00e4r bra men att det kommer n\u00e5got sent.<br \/>\n\u2013 Det h\u00e4r borde v\u00e4l ha kommit f\u00f6r ett \u00e5r sedan kan man tycka, s\u00e4ger hon till <a href=\"https:\/\/efn.se\/sparekonomen-om-nya-forslaget-om-amortering\">EFN.\u00a0 \u00a0<\/a>M\u00e5nga unga beh\u00f6ver bel\u00e5na sig mer \u00e4n 4,5 g\u00e5nger sin bruttoinkomst, just f\u00f6r att de har l\u00e4gre inkomst. S\u00e5 jag tror att det h\u00e4r kommer vara v\u00e4ldigt bra f\u00f6r unga som ska in p\u00e5 bostadsmarknaden,<\/p>\n<p>Regeringen v\u00e4ntas fatta beslut v\u00e5ren 2025. Hela utredningen hittar du\u00a0<a href=\"https:\/\/www.regeringen.se\/contentassets\/828d8d257c4249ee96877a5ea018d690\/reglering-av-hushallens-skulder-sou-202471.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">h\u00e4r.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Regeringens utredning f\u00f6resl\u00e5r att det strikta amorteringskravet tas bort och att bol\u00e5netaket h\u00f6js fr\u00e5n 85 till 90 procent.<\/p>\n","protected":false},"author":2,"featured_media":67509,"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":[5822],"class_list":["post-67508","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-regeringen","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\/67508","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=67508"}],"version-history":[{"count":0,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/posts\/67508\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/media\/67509"}],"wp:attachment":[{"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/media?parent=67508"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/categories?post=67508"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/tags?post=67508"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}