Warning: Constant ABSPATH already defined in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php on line 22 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 {"id":4162,"date":"2009-08-24T08:33:02","date_gmt":"2009-08-24T06:33:02","guid":{"rendered":"http:\/\/konsumenter.se\/blogg\/?p=4162"},"modified":"2009-08-24T08:33:02","modified_gmt":"2009-08-24T06:33:02","slug":"binda-bolanet","status":"publish","type":"post","link":"http:\/\/konsumenter.se\/blogg\/?p=4162","title":{"rendered":"Binda bol\u00e5net?"},"content":{"rendered":"

Det \u00e4r dyrare att binda l\u00e5net \u00e4n att h\u00e5lla sig till r\u00f6rlig r\u00e4nta. \u00c5tminstone om man tittar bak\u00e5t, ber\u00e4ttar<\/a> SvD:s E24 som grundar sitt p\u00e5st\u00e5ende p\u00e5 en unders\u00f6kning fr\u00e5n bol\u00e5neinstitutet SBAB. Institutet har j\u00e4mf\u00f6rt l\u00e5n med olika bindningstider. TT refererar<\/a> artikeln i E24.<\/p>\n

Den som valt att binda sin bor\u00e4nta i fem \u00e5r har f\u00e5tt betala 43 procent mer \u00e4n den som valt en r\u00f6rlig trem\u00e5nadersr\u00e4nta. Inte vid n\u00e5got tillf\u00e4lle under m\u00e4tperioden var den bundna fem\u00e5rsr\u00e4ntan l\u00e4gre \u00e4n den r\u00f6rliga r\u00e4ntan, skriver E24.<\/p>\n

N\u00e4r det g\u00e4ller den l\u00e4ngre bindningstiden p\u00e5 fem \u00e5r \u00e4r det uppenbart att det \u00e4r en kostsam ”f\u00f6rs\u00e4kring”. Under de 94 m\u00e5naderna som m\u00e4tperioden l\u00f6pte (fr\u00e5n januari 1997 till h\u00f6sten 2004) var trem\u00e5nadersr\u00e4ntan l\u00e4gre \u00e4n den bundna fem\u00e5rsr\u00e4ntan under varje m\u00e5nad.<\/p>\n

I reda pengar kan det se ut som f\u00f6ljande. En familj med 2 miljoner kronor i bol\u00e5n betalade under dessa 94 m\u00e5nader (knappt 8 \u00e5r) sammanlagt 940 000 kronor i r\u00e4nta f\u00f6re skatt om de hade sin r\u00e4nta bunden p\u00e5 fem \u00e5r.<\/p>\n

Hade de haft en r\u00f6rlig trem\u00e5nadersr\u00e4nta skulle de under samma period ha betalat 658 000 kronor.<\/p>\n

F\u00f6r den som v\u00e4ljer en kortare bindningstid p\u00e5 tv\u00e5 \u00e5r blir skillnaden mindre. H\u00e4r \u00e4r SBAB:s m\u00e4tperiod hela 130 m\u00e5nader och l\u00f6per fr\u00e5n jan 1997 till h\u00f6sten 2007.<\/p>\n

Familjen med tv\u00e5miljonersl\u00e5net har h\u00e4r totalt betalat 1 061 000 kronor under de knappt elva \u00e5ren om de l\u00f6pande bundit sin r\u00e4nta p\u00e5 tv\u00e5 \u00e5r. Hade de d\u00e4remot beh\u00e5llit en r\u00f6rlig trem\u00e5nadersr\u00e4nta under samma period blev kostnaden 931 000 kronor, enligt E24.<\/p>\n

Historiskt sett har det allts\u00e5 varit en d\u00e5lig aff\u00e4r att binda r\u00e4ntan. Ett sk\u00e4l till att binda \u00e4r dock att man vet sin r\u00e4ntekostnad under l\u00e4ngre tid, och d\u00e4rf\u00f6r sover b\u00e4ttre p\u00e5 natten.<\/p>\n

Andra bloggar om: Bol\u00e5n<\/a>, R\u00e4nta<\/a>, Bunden r\u00e4nta<\/a>, R\u00f6rlig r\u00e4nta<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Det \u00e4r dyrare att binda l\u00e5net \u00e4n att h\u00e5lla sig till r\u00f6rlig r\u00e4nta. \u00c5tminstone om man tittar bak\u00e5t, ber\u00e4ttar SvD:s E24 som grundar sitt p\u00e5st\u00e5ende p\u00e5 en unders\u00f6kning fr\u00e5n bol\u00e5neinstitutet SBAB. Institutet har j\u00e4mf\u00f6rt l\u00e5n med olika bindningstider. TT refererar artikeln i E24. Den som valt att binda sin bor\u00e4nta i fem \u00e5r har f\u00e5tt […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[53,51,44],"tags":[],"_links":{"self":[{"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts\/4162"}],"collection":[{"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4162"}],"version-history":[{"count":3,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts\/4162\/revisions"}],"predecessor-version":[{"id":4165,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts\/4162\/revisions\/4165"}],"wp:attachment":[{"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4162"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4162"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4162"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}