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":7450,"date":"2010-09-16T09:32:17","date_gmt":"2010-09-16T07:32:17","guid":{"rendered":"http:\/\/konsumenter.se\/blogg\/?p=7450"},"modified":"2010-09-17T07:01:42","modified_gmt":"2010-09-17T05:01:42","slug":"andra-krediter-ersatter-topplan","status":"publish","type":"post","link":"http:\/\/konsumenter.se\/blogg\/?p=7450","title":{"rendered":"Andra krediter ers\u00e4tter toppl\u00e5n"},"content":{"rendered":"

Finansinspektionen bol\u00e5netak, som inf\u00f6rs 1 oktober i \u00e5r, verkar ha gett den effekt som kritikerna varnat f\u00f6r<\/a>. Samtliga storbanker uppger att de kan ge andra krediter \u00e4n vanliga bol\u00e5n vid bostadsk\u00f6p. R\u00e4ntan blir dock h\u00f6gre, vilket inneb\u00e4r en h\u00f6gre slutkostnad f\u00f6r l\u00e5ntagaren, l\u00e4ser jag<\/a> i SvD.<\/p>\n

Syftet med bol\u00e5netaket var att minska skulds\u00e4ttningen. Men om vi i st\u00e4llet tar andra typer av krediter f\u00f6r att ers\u00e4tta de traditionella bol\u00e5nen uppn\u00e5s knappast det m\u00e5let. I st\u00e4llet f\u00e5r l\u00e5ntagaren h\u00f6gre kostnader f\u00f6r sitt boende, och det kan knappast ha varit avsikten.<\/p>\n

-Detta \u00e4r inte ett bol\u00e5netak. Det \u00e4r ett pants\u00e4ttningstak, s\u00e4ger Rikard Josefson , st\u00e4llf\u00f6retr\u00e4dande chef f\u00f6r kontorsr\u00f6relsen i SE, till SvDB.<\/p>\n

Dock finns det de som tror att taket p\u00e5verkar:<\/p>\n

-Visst kan taket ge n\u00e5gon form av psykologisk effekt d\u00e4r k\u00f6pare nu avvaktar f\u00f6r att man spekulerar i en nedg\u00e5ng p\u00e5 marknaden, s\u00e4ger Michael Skytt bol\u00e5nechef p\u00e5 Nordea till tidningen.<\/p>\n

Jag kan inte l\u00e5ta bli att st\u00e4lla fr\u00e5gan: Var bol\u00e5netaket en god id\u00e9? Men det f\u00e5r v\u00e4l framtiden visa, bol\u00e5netaket har inte tr\u00e4tt i kraft \u00e4nnu.<\/p>\n

Uppdatering<\/em>: Finansinspektionen r\u00e4knar \u00e4nd\u00e5 med att \u00e5tg\u00e4rden ska ha en inverkan p\u00e5 l\u00e5nem\u00f6nstret, skriver SvD i en uppf\u00f6ljande artikel<\/a>. FI lovar fler regleringar om m\u00e5let inte n\u00e5s. <\/p>\n

Andra bloggar om: Bostad<\/a>, Bol\u00e5n<\/a>, Bostadskrediter<\/a>, L\u00e5netak<\/a>, Finansinspektionen<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Finansinspektionen bol\u00e5netak, som inf\u00f6rs 1 oktober i \u00e5r, verkar ha gett den effekt som kritikerna varnat f\u00f6r. Samtliga storbanker uppger att de kan ge andra krediter \u00e4n vanliga bol\u00e5n vid bostadsk\u00f6p. R\u00e4ntan blir dock h\u00f6gre, vilket inneb\u00e4r en h\u00f6gre slutkostnad f\u00f6r l\u00e5ntagaren, l\u00e4ser jag i SvD. Syftet med bol\u00e5netaket var att minska skulds\u00e4ttningen. Men om […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[10,53,51,44],"tags":[],"_links":{"self":[{"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts\/7450"}],"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=7450"}],"version-history":[{"count":5,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts\/7450\/revisions"}],"predecessor-version":[{"id":7454,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts\/7450\/revisions\/7454"}],"wp:attachment":[{"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=7450"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=7450"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=7450"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}