{"id":71190,"date":"2026-08-27T22:07:54","date_gmt":"2026-08-27T20:07:54","guid":{"rendered":"https:\/\/vinklad.se\/?p=71190"},"modified":"2026-08-27T22:07:54","modified_gmt":"2026-08-27T20:07:54","slug":"rorlig-ranta-tar-over-nastan-ingen-binder-bolanet","status":"publish","type":"post","link":"https:\/\/vinklad.se\/index.php\/2026\/08\/27\/rorlig-ranta-tar-over-nastan-ingen-binder-bolanet\/","title":{"rendered":"R\u00f6rlig r\u00e4nta tar \u00f6ver \u2013 n\u00e4stan ingen binder bol\u00e5net"},"content":{"rendered":"<p>N\u00e4stan alla nya bol\u00e5n tas nu med r\u00f6rlig r\u00e4nta. Andelen har skjutit i h\u00f6jden hos b\u00e5de SBAB och Skandiabanken, enligt uppgifter som Privata Aff\u00e4rer redovisar.<br \/>\nDet har sv\u00e4ngt fort p\u00e5 bol\u00e5nemarknaden. <a href=\"https:\/\/www.dagensps.se\/privatekonomi\/bostad\/fa-hushall-binder-sina-borantor-det-ar-rekord\/\" target=\"_blank\" rel=\"noopener noreferrer\">Dagens PS<\/a> h\u00e4nvisar till Privata Aff\u00e4rer, d\u00e4r nya siffror visar hur det r\u00f6rliga l\u00e5net n\u00e4stan helt tagit \u00f6ver.<\/p>\n<p>Hos SBAB hade 88 procent av nyutl\u00e5ningen r\u00f6rlig r\u00e4nta i mars. I juni var andelen 98 procent. Skandiabanken gick under samma period fr\u00e5n 93 till 99 procent r\u00f6rliga bol\u00e5n.<br \/>\n\u2013 Att s\u00e5 m\u00e5nga v\u00e4ljer r\u00f6rlig bor\u00e4nta \u00e4r rekord, s\u00e4ger <strong>Christina Sahlberg<\/strong>, privatekonom p\u00e5 Skandia.<\/p>\n<p><strong>Bundet kostar mer: <\/strong>Privata Aff\u00e4rer r\u00e4knar med att en bunden r\u00e4nta p\u00e5 tre eller fem \u00e5r ligger 0,6\u20130,8 procentenheter \u00f6ver den r\u00f6rliga, r\u00e4knat p\u00e5 bankernas snittr\u00e4ntor. F\u00f6r varje l\u00e5nad miljon handlar det om ungef\u00e4r 5 900\u20137 700 kronor om \u00e5ret f\u00f6re r\u00e4nteavdrag.<br \/>\nValet mellan r\u00f6rligt och bundet avg\u00f6rs inte bara av dagens r\u00e4nta. SBAB har samtidigt justerat upp sin prognos och r\u00e4knar med tv\u00e5 h\u00f6jningar av styrr\u00e4ntan f\u00f6re \u00e5rsskiftet.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>R\u00f6rlig r\u00e4nta dominerar nya bol\u00e5n. Hos b\u00e5de SBAB och Skandiabanken v\u00e4ljer n\u00e4stan alla nyutl\u00e5ning med kort bindningstid.<\/p>\n","protected":false},"author":13,"featured_media":71279,"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":[8013,8053,8052,149,8039],"class_list":["post-71190","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bolanerantor","tag-bundna-rantor","tag-rorlig-ranta","tag-sbab","tag-skandiabanken","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\/71190","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\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/comments?post=71190"}],"version-history":[{"count":0,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/posts\/71190\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/media\/71279"}],"wp:attachment":[{"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/media?parent=71190"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/categories?post=71190"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vinklad.se\/index.php\/wp-json\/wp\/v2\/tags?post=71190"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}