{"id":70556,"date":"2026-02-27T12:21:46","date_gmt":"2026-02-27T11:21:46","guid":{"rendered":"https:\/\/vinklad.se\/?p=70556"},"modified":"2026-03-24T07:14:56","modified_gmt":"2026-03-24T06:14:56","slug":"lattare-att-kopa-men-svarare-att-renovera","status":"publish","type":"post","link":"https:\/\/vinklad.se\/index.php\/2026\/02\/27\/lattare-att-kopa-men-svarare-att-renovera\/","title":{"rendered":"L\u00e4ttare att k\u00f6pa men sv\u00e5rare att renovera"},"content":{"rendered":"<p data-start=\"71\" data-end=\"281\"><strong data-start=\"71\" data-end=\"86\">Den 1 april<\/strong> 2026 f\u00e5r bol\u00e5nen nya spelregler. Kontantinsatsen krymper n\u00e4r bol\u00e5netaket h\u00f6js till 90 procent, och skuldkvotsdelen i amorteringskravet f\u00f6rsvinner. Resultatet \u00e4r enkelt att f\u00f6rst\u00e5: fler kan k\u00f6pa. F\u00f6r m\u00e5nga k\u00f6pare \u00e4r det en efterl\u00e4ngtad l\u00e4ttnad. 15 procent i insats har tvingat fram hj\u00e4lp hemifr\u00e5n eller dyra l\u00e5n vid sidan av. Med 10 procent blir tr\u00f6skeln l\u00e4gre och matchen mer m\u00f6jlig.<\/p>\n<p data-start=\"477\" data-end=\"707\"><strong data-start=\"477\" data-end=\"494\">Men samtidigt<\/strong> blir det kr\u00e5ngligare att l\u00e5na upp p\u00e5 bostaden i efterhand. Till\u00e4ggsl\u00e5n ska i praktiken stoppas vid 80 procent av v\u00e4rdet, och en tr\u00f6ghetsregel g\u00f6r att omv\u00e4rdering f\u00f6r nytt l\u00e5neutrymme bara kan g\u00f6ras vart femte \u00e5r.<\/p>\n<p data-start=\"709\" data-end=\"947\"><strong data-start=\"709\" data-end=\"734\">H\u00e4r landar konflikten<\/strong>: du f\u00e5r nyckeln, men inte verktygsl\u00e5dan. Du kan k\u00f6pa bostaden, men st\u00e5r du med ett badrum som beh\u00f6ver g\u00f6ras, el som m\u00e5ste ses \u00f6ver eller ett k\u00f6k som sjunger p\u00e5 sista versen kan finansieringen bli sv\u00e5rare \u00e4n f\u00f6rr.<\/p>\n<p data-start=\"949\" data-end=\"1188\"><strong data-start=\"949\" data-end=\"966\">Det sl\u00e5r ofta<\/strong> mot dem som inte k\u00f6per \u201cinflyttningsklart\u201d. Renovering \u00e4r inte alltid lyx, ibland \u00e4r det underh\u00e5ll. N\u00e4r bol\u00e5neutrymmet tar slut tidigare riskerar fler att ta dyrare l\u00e5n utan s\u00e4kerhet, eller skjuta upp n\u00f6dv\u00e4ndiga \u00e5tg\u00e4rder.<\/p>\n<p data-start=\"1190\" data-end=\"1243\"><strong data-start=\"1190\" data-end=\"1207\">Vill du bolla<\/strong> din situation? Du vet var vi finns.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Den 1 april 2026 f\u00e5r bol\u00e5nen nya spelregler. Kontantinsatsen krymper n\u00e4r bol\u00e5netaket h\u00f6js till 90 procent, och skuldkvotsdelen i amorteringskravet f\u00f6rsvinner. Resultatet \u00e4r enkelt att f\u00f6rst\u00e5: fler kan k\u00f6pa. F\u00f6r m\u00e5nga k\u00f6pare \u00e4r det en efterl\u00e4ngtad l\u00e4ttnad. 15 procent i insats har tvingat fram hj\u00e4lp hemifr\u00e5n eller dyra l\u00e5n vid sidan av. Med 10 procent [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":53413,"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":[8],"tags":[],"class_list":["post-70556","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kronika","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\/70556","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=70556"}],"version-history":[{"count":0,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/posts\/70556\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/media\/53413"}],"wp:attachment":[{"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/media?parent=70556"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/categories?post=70556"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/tags?post=70556"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}