{"id":70553,"date":"2026-02-26T14:44:29","date_gmt":"2026-02-26T13:44:29","guid":{"rendered":"https:\/\/vinklad.se\/?p=70553"},"modified":"2026-02-26T14:44:29","modified_gmt":"2026-02-26T13:44:29","slug":"hojt-bolanetak-sanker-din-kontantinsats-med-30-500-kronor","status":"publish","type":"post","link":"https:\/\/vinklad.se\/index.php\/2026\/02\/26\/hojt-bolanetak-sanker-din-kontantinsats-med-30-500-kronor\/","title":{"rendered":"H\u00f6jt bol\u00e5netak s\u00e4nker din kontantinsats med 30 500 kronor"},"content":{"rendered":"

Ett f\u00f6rslag om att h\u00f6ja bol\u00e5netaket fr\u00e5n 85 till 90 procent kan g\u00f6ra stor skillnad f\u00f6r den som f\u00f6rs\u00f6ker k\u00f6pa sin f\u00f6rsta bostad. Enligt en ny ber\u00e4kning minskar kontantinsatsen med i snitt runt 61 000 kronor f\u00f6r en genomsnittlig etta \u2013 och spartiden kortas i genomsnitt med 1,5 \u00e5r.
\nSkillnaderna \u00e4r stora mellan olika orter.
\nH\u00e4r i Borl\u00e4nge pekar ber\u00e4kningen p\u00e5 att behovet av kontantinsats kan minska med cirka 30 500 kronor. Spartiden kortas samtidigt med omkring \u00e5tta m\u00e5nader, utifr\u00e5n antagandena i kartl\u00e4ggningen.<\/p>\n

I Stockholm handlar det om drygt 150 000 kronor mindre i kontantinsats och en spartid som krymper fr\u00e5n knappt 12 \u00e5r till drygt 7 \u00e5r. I Sundsvall r\u00f6r det sig om knappt 30 000 kronor mindre och ungef\u00e4r \u00e5tta m\u00e5naders kortare spartid.
\nPo\u00e4ngen med ett h\u00f6gre bol\u00e5netak \u00e4r att fler kan finansiera en st\u00f6rre del av k\u00f6pet med l\u00e5n med bostaden som s\u00e4kerhet, ist\u00e4llet f\u00f6r att beh\u00f6va komplettera med dyrare blancol\u00e5n.
\n\u2013 Det h\u00f6jda bol\u00e5netaket som nu f\u00f6resl\u00e5s \u00e4r en fantastisk nyhet f\u00f6r alla f\u00f6rstag\u00e5ngsk\u00f6pare. Det s\u00e4nker tr\u00f6sklarna in p\u00e5 bostadsmarknaden p\u00e5tagligt, s\u00e4ger Linda Hasselvik<\/strong>.<\/p>\n

F\u00f6rslaget som analyseras \u00e4r en h\u00f6jning av bol\u00e5netaket till 90 procent, med ikrafttr\u00e4dande 1 april. Ber\u00e4kningen utg\u00e5r fr\u00e5n slutpriser f\u00f6r ettor under 2025 och simulerar spartid med antaganden om sparande, inkomstutveckling, avkastning och \u00e5rlig prisuppg\u00e5ng.<\/p>\n

Tabell 1. Sammanst\u00e4llning minskat behov av kontantinsats och spartid
\n<\/strong><\/p>\n

 <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Kommun<\/strong><\/td>\nMedelslutpris 2025<\/strong><\/p>\n

(Kr)<\/strong><\/td>\n

Minskat behov av kontantinsats<\/strong><\/p>\n

(Kr)<\/strong><\/td>\n

Minskad spartid (m\u00e5nader)<\/strong><\/td>\n<\/tr>\n
Borl\u00e4nge<\/strong><\/td>\n610 900<\/td>\n30 545<\/td>\n8<\/td>\n<\/tr>\n
Eskilstuna<\/strong><\/td>\n684 400<\/td>\n34 220<\/td>\n9<\/td>\n<\/tr>\n
G\u00f6teborg<\/strong><\/td>\n2 096 900<\/td>\n104 845<\/td>\n33<\/td>\n<\/tr>\n
G\u00e4vle<\/strong><\/td>\n895 100<\/td>\n44 755<\/td>\n12<\/td>\n<\/tr>\n
Halmstad<\/strong><\/td>\n1 306 100<\/td>\n65 305<\/td>\n19<\/td>\n<\/tr>\n
J\u00f6nk\u00f6ping<\/strong><\/td>\n1 369 900<\/td>\n68 495<\/td>\n20<\/td>\n<\/tr>\n
Kalmar<\/strong><\/td>\n858 100<\/td>\n42 905<\/td>\n12<\/td>\n<\/tr>\n
Karlskrona<\/strong><\/td>\n988 200<\/td>\n49 410<\/td>\n14<\/td>\n<\/tr>\n
Karlstad<\/strong><\/td>\n1 051 500<\/td>\n52 575<\/td>\n15<\/td>\n<\/tr>\n
Link\u00f6ping<\/strong><\/td>\n1 363 500<\/td>\n68 175<\/td>\n19<\/td>\n<\/tr>\n
Lule\u00e5<\/strong><\/td>\n1 107 200<\/td>\n55 360<\/td>\n15<\/td>\n<\/tr>\n
Malm\u00f6<\/strong><\/td>\n1 302 900<\/td>\n65 145<\/td>\n19<\/td>\n<\/tr>\n
Stockholm<\/strong><\/td>\n3 029 500<\/td>\n151 475<\/td>\n54<\/td>\n<\/tr>\n
Sundsvall<\/strong><\/td>\n571 800<\/td>\n28 590<\/td>\n8<\/td>\n<\/tr>\n
Ume\u00e5<\/strong><\/td>\n1 377 700<\/td>\n68 885<\/td>\n20<\/td>\n<\/tr>\n
Uppsala<\/strong><\/td>\n1 684 700<\/td>\n84 235<\/td>\n25<\/td>\n<\/tr>\n
Gotland<\/strong><\/td>\n1 512 000<\/td>\n75 600<\/td>\n22<\/td>\n<\/tr>\n
V\u00e4ster\u00e5s<\/strong><\/td>\n763 800<\/td>\n38 190<\/td>\n11<\/td>\n<\/tr>\n
V\u00e4xj\u00f6<\/strong><\/td>\n1 002 500<\/td>\n50 125<\/td>\n14<\/td>\n<\/tr>\n
\u00d6rebro<\/strong><\/td>\n1 127 900<\/td>\n56 395<\/td>\n16<\/td>\n<\/tr>\n
\u00d6stersund<\/strong><\/td>\n838 000<\/td>\n41 900<\/td>\n12<\/td>\n<\/tr>\n
Genomsnitt<\/strong><\/td>\n1 216 314<\/td>\n60 816<\/td>\n18<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\n","protected":false},"excerpt":{"rendered":"

Ett h\u00f6jt bol\u00e5netak fr\u00e5n 85 till 90 procent kan minska kontantinsatsen med i snitt cirka 61 000 kronor f\u00f6r den som k\u00f6per en etta, och korta spartiden med ungef\u00e4r 1,5 \u00e5r. I Stockholm handlar det om drygt 150 000 kronor och omkring 4,5 \u00e5r kortare spartid, medan Borl\u00e4nge ligger runt 30 500 kronor och \u00e5tta m\u00e5nader.<\/p>\n","protected":false},"author":2,"featured_media":57057,"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":[149],"class_list":["post-70553","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-sbab","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\/70553","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=70553"}],"version-history":[{"count":0,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/posts\/70553\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/media\/57057"}],"wp:attachment":[{"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/media?parent=70553"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/categories?post=70553"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/tags?post=70553"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}