{"id":116384,"date":"2025-12-25T09:54:12","date_gmt":"2025-12-25T09:54:12","guid":{"rendered":"https:\/\/www.europesays.com\/se\/116384\/"},"modified":"2025-12-25T09:54:12","modified_gmt":"2025-12-25T09:54:12","slug":"da-ar-det-lage-att-binda-bolanerantan","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/se\/116384\/","title":{"rendered":"D\u00e5 \u00e4r det l\u00e4ge att binda bol\u00e5ner\u00e4ntan"},"content":{"rendered":"<p><strong>S\u00e4nkt styrr\u00e4nta under <\/strong>2025 och stigande marknadsr\u00e4ntor har gjort att avst\u00e5ndet mellan r\u00f6rliga och bundna bol\u00e5ner\u00e4ntor krympt. Det skapar ett bra l\u00e4ge f\u00f6r den som vill binda sitt bostadsl\u00e5n.\u00a0<\/p>\n<p>\u201dOm det k\u00e4nns b\u00e4ttre att ha bundet s\u00e5 \u00e4r det troligtvis inte s\u00e5 dyrt just nu att f\u00f6rs\u00e4kra sig f\u00f6r det\u201d, s\u00e4ger Christina Sahlberg.\u00a0<\/p>\n<p>Men historiskt har det ofta l\u00f6nat sig att ha en r\u00f6rlig r\u00e4nta i st\u00e4llet f\u00f6r en bunden.\u00a0<\/p>\n<p>\u201dHar man goda marginaler i sin ekonomi och klarar att r\u00e4ntorna varierar \u00f6ver tid d\u00e5 finns det v\u00e4l inget j\u00e4ttestarkt sk\u00e4l att binda r\u00e4ntan\u201d, s\u00e4ger SBAB:s chefsekonom Robert Boije.\u00a0<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"image__el\" src=\"https:\/\/www.europesays.com\/se\/wp-content\/uploads\/2025\/12\/2c4a0a39-e0fe-4776-9e7f-527a31c83eba.jpeg\"   height=\"1080\" width=\"1920\" alt=\"SBAB:s chefsekonom Robert Boije.\" onerror=\"this.style.visibility='hidden'; this.classList.add('load-error')\"\/>SBAB:s chefsekonom Robert Boije.Foto: Jesper Frisk<\/p>\n<p><strong>Samtidigt finns det <\/strong>flera faktorer som kan dra upp bol\u00e5ner\u00e4ntorna under n\u00e4sta \u00e5r. Medan Riksbanken v\u00e4ntas l\u00e5ta r\u00e4ntan vara of\u00f6r\u00e4ndrad p\u00e5 nuvarande niv\u00e5 ett tag fram\u00f6ver s\u00e5 riskerar marknadsr\u00e4ntorna att r\u00f6ra sig desto mer.\u00a0<\/p>\n<p>\u201dDet finns en os\u00e4kerhet kring de globala l\u00e5ngr\u00e4ntorna som kan p\u00e5verka niv\u00e5n p\u00e5 de l\u00e4ngre bundna r\u00e4ntorna\u201d, s\u00e4ger Robert Boije.\u00a0<\/p>\n<p>M\u00e5nga l\u00e4nders skakiga, offentliga finanser, stora f\u00f6rsvarssatsningar och ett st\u00f6kigt USA kan driva upp marknadsr\u00e4ntorna. \u00c4ven bankernas marginaler kan f\u00f6r\u00e4ndras. Robert Boije lyfter att m\u00e5nga banker kompenserar l\u00e5ga bol\u00e5nemarginaler med att ha l\u00e5ga r\u00e4ntor p\u00e5 spar- och l\u00f6nekonton.\u00a0<\/p>\n<p>\u201dMan skulle kunna t\u00e4nka sig en situation d\u00e4r sparr\u00e4ntorna stiger lite, men d\u00e5 m\u00e5ste bankerna i st\u00e4llet h\u00f6ja marginalerna p\u00e5 bol\u00e5nen\u201d.\u00a0<\/p>\n<p><strong>Trots flera faktorer <\/strong>som kan driva upp bol\u00e5ner\u00e4ntorna under 2026, menar b\u00e5da ekonomerna att det inte g\u00e5r att hitta det \u201dperfekta\u201d tillf\u00e4llet att binda sin bol\u00e5ner\u00e4nta.<\/p>\n<p>\u201dDet \u00e4r ingen id\u00e9 att f\u00f6rs\u00f6ka\u201d, s\u00e4ger Christina Sahlberg och till\u00e4gger:\u00a0<\/p>\n<p>\u201dDu m\u00e5ste bara g\u00f6ra det som k\u00e4nns b\u00e4st f\u00f6r dig, att f\u00f6rs\u00f6ka tajma marknaden och f\u00f6rutsp\u00e5 vad som kommer h\u00e4nda \u00e4r j\u00e4ttej\u00e4tte sv\u00e5rt\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"S\u00e4nkt styrr\u00e4nta under 2025 och stigande marknadsr\u00e4ntor har gjort att avst\u00e5ndet mellan r\u00f6rliga och bundna bol\u00e5ner\u00e4ntor krympt. Det&hellip;\n","protected":false},"author":2,"featured_media":116385,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[22,23,26,27,17,21,24,25,28,29,15,16,18,34,31,33,32,30,19,20],"class_list":{"0":"post-116384","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-rubriker","8":"tag-breaking-news","9":"tag-breakingnews","10":"tag-featured-news","11":"tag-featurednews","12":"tag-headlines","13":"tag-huvudnyheter","14":"tag-latest-news","15":"tag-latestnews","16":"tag-main-news","17":"tag-mainnews","18":"tag-news","19":"tag-nyheter","20":"tag-rubriker","21":"tag-se","22":"tag-svenska","23":"tag-sverige","24":"tag-sweden","25":"tag-swedish","26":"tag-top-stories","27":"tag-topstories"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@se\/115779604641960182","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/116384","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/comments?post=116384"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/116384\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media\/116385"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media?parent=116384"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/categories?post=116384"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/tags?post=116384"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}