{"id":70326,"date":"2025-12-19T14:15:49","date_gmt":"2025-12-19T13:15:49","guid":{"rendered":"https:\/\/vinklad.se\/?p=70326"},"modified":"2025-12-19T14:15:49","modified_gmt":"2025-12-19T13:15:49","slug":"regeringen-vill-hoja-bolanetaket","status":"publish","type":"post","link":"https:\/\/vinklad.se\/index.php\/2025\/12\/19\/regeringen-vill-hoja-bolanetaket\/","title":{"rendered":"Regeringen vill h\u00f6ja bol\u00e5netaket"},"content":{"rendered":"<p>Regeringen g\u00e5r vidare med l\u00e4ttnader i bol\u00e5nereglerna som ska b\u00f6rja g\u00e4lla den 1 april n\u00e4sta \u00e5r. Tv\u00e5 f\u00f6r\u00e4ndringar sticker ut: bol\u00e5netaket h\u00f6js och det sk\u00e4rpta amorteringskravet slopas. Samtidigt inf\u00f6rs ett tak f\u00f6r till\u00e4ggsl\u00e5n.<br \/>\n\u2013 Goda nyheter f\u00f6r Sveriges barnfamiljer och f\u00f6r Sveriges ungdomar, s\u00e4ger <strong>Niklas Wykman<\/strong>, finansmarknadsminister (M).<\/p>\n<p><strong>Det h\u00e4r inneb\u00e4r f\u00f6rslaget:\u00a0<\/strong><\/p>\n<ul>\n<li>Bol\u00e5netaket h\u00f6js fr\u00e5n 85 till 90 procent. Det g\u00f6r att kontantinsatsen i praktiken sjunker fr\u00e5n 15 till 10 procent,<\/li>\n<li>Det sk\u00e4rpta amorteringskravet slopas. Det \u00e4r extrakraven som sl\u00e5r till n\u00e4r bol\u00e5net \u00f6verstiger 4,5 g\u00e5nger hush\u00e5llets bruttoinkomst.<\/li>\n<li>Det ordinarie amorteringskravet blir kvar: 1 procent vid bel\u00e5ningsgrad 50\u201370 procent och 2 procent \u00f6ver 70 procent.<\/li>\n<li>Till\u00e4ggsl\u00e5n begr\u00e4nsas till 80 procent av bostadens v\u00e4rde, allts\u00e5 n\u00e4r du vill h\u00f6ja bel\u00e5ningen p\u00e5 din nuvarande bostad, exempelvis f\u00f6r renovering, enligt <a href=\"https:\/\/www.svd.se\/a\/aJ2r44\/nya-bolaneregler-fran-den-1-april\">Svenska Dagbladet<\/a>.<\/li>\n<\/ul>\n<p><strong>De \u00e4r vinnarna: <\/strong>F\u00f6rstag\u00e5ngsk\u00f6pare och yngre hush\u00e5ll gynnas fr\u00e4mst av l\u00e4gre kontantinsats och av att extramorteringen kopplad till skuldkvot f\u00f6rsvinner. Regeringen beskriver m\u00e5let som att s\u00e4nka tr\u00f6sklarna in p\u00e5 marknaden. Vissa hush\u00e5ll kan spara tusenlappar per \u00e5r och f\u00f6rstag\u00e5ngsk\u00f6pare kan korta spartiden med tv\u00e5 till fyra \u00e5r.<\/p>\n<p>\u201dV\u00e5rt syfte \u00e4r att allt fler ska f\u00f6rverkliga sin boendedr\u00f6m\u201d, s\u00e4ger <strong>Andreas Carlson<\/strong>, infrastruktur- och bostadsminister (KD), i <a href=\"https:\/\/www.aftonbladet.se\/minekonomi\/a\/6qnrBz\/nya-regler-for-bolan-nasta-ar\">Aftonbladet<\/a>.<\/p>\n<div style=\"width: 487px\" class=\"wp-caption alignleft\"><img decoding=\"async\" class=\" wp-image-56979\" src=\"https:\/\/vinklad.se\/wp-content\/uploads\/2020\/09\/man-standing-infront-of-miter-saw-stockpack-unsplash-300x200.jpg\" alt=\"man standing infront of miter saw\" width=\"477\" height=\"318\" srcset=\"https:\/\/vinklad.se\/wp-content\/uploads\/2020\/09\/man-standing-infront-of-miter-saw-stockpack-unsplash-300x200.jpg 300w, https:\/\/vinklad.se\/wp-content\/uploads\/2020\/09\/man-standing-infront-of-miter-saw-stockpack-unsplash-1024x683.jpg 1024w, https:\/\/vinklad.se\/wp-content\/uploads\/2020\/09\/man-standing-infront-of-miter-saw-stockpack-unsplash-768x512.jpg 768w, https:\/\/vinklad.se\/wp-content\/uploads\/2020\/09\/man-standing-infront-of-miter-saw-stockpack-unsplash-1536x1024.jpg 1536w, https:\/\/vinklad.se\/wp-content\/uploads\/2020\/09\/man-standing-infront-of-miter-saw-stockpack-unsplash-2048x1365.jpg 2048w, https:\/\/vinklad.se\/wp-content\/uploads\/2020\/09\/man-standing-infront-of-miter-saw-stockpack-unsplash-1080x720.jpg 1080w\" sizes=\"(max-width: 477px) 100vw, 477px\" \/><p class=\"wp-caption-text\"><strong>&#8230; men mindre till renoveringar: <\/strong><span style=\"font-size: 16px;\">Bostads\u00e4gare som vill ut\u00f6ka sina l\u00e5n till t.ex. en renovering kan d\u00e4remot f\u00e5 mindre utrymme n\u00e4r till\u00e4ggsl\u00e5n begr\u00e4nsas till 80 procent av bostadens v\u00e4rde. <\/span><span style=\"font-size: 16px;\">Och om l\u00e4ttnaderna bidrar till h\u00f6gre priser kan delar av vinsten \u00e4tas upp f\u00f6r k\u00f6pare som precis f\u00f6rs\u00f6ker ta sig in. <\/span><\/p><\/div>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 16px;\">\u2013 De riktiga vinnarna \u00e4r de som redan \u00e4ger en bostad, s\u00e4ger <\/span><strong style=\"font-size: 16px;\">Karl Walentin<\/strong><span style=\"font-size: 16px;\">, g\u00e4stprofessor i nationalekonomi vid Uppsala universitet och ledamot i Finanspolitiska r\u00e5det, till <\/span><a style=\"font-size: 16px;\" href=\"https:\/\/www.svd.se\/a\/aJ2r44\/nya-bolaneregler-fran-den-1-april\">Svenska Dagbladet<\/a><span style=\"font-size: 16px;\">.<\/span>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2><\/h2>\n<h2><\/h2>\n<h2><\/h2>\n<h2><\/h2>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2><\/h2>\n<h2><\/h2>\n<h2><\/h2>\n<p>F\u00f6rslaget skickas till Lagr\u00e5det och regeringen siktar p\u00e5 en proposition i februari 2026.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Regeringen vill \u00e4ndra bol\u00e5nereglerna fr\u00e5n 1 april: bol\u00e5netaket h\u00f6js till 90 procent och det sk\u00e4rpta amorteringskravet kopplat till skuldkvot slopas. F\u00f6rstag\u00e5ngsk\u00f6pare gynnas men ekonomer varnar f\u00f6r att l\u00e4ttare l\u00e5n kan driva priser.<\/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":[10],"tags":[],"class_list":["post-70326","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nyheter","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\/70326","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=70326"}],"version-history":[{"count":0,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/posts\/70326\/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=70326"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/categories?post=70326"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/tags?post=70326"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}