{"id":288324,"date":"2026-06-26T13:24:20","date_gmt":"2026-06-26T13:24:20","guid":{"rendered":"https:\/\/www.europesays.com\/se\/288324\/"},"modified":"2026-06-26T13:24:20","modified_gmt":"2026-06-26T13:24:20","slug":"sa-tjanar-bankerna-miljoner-pa-datumet-for-din-bolaneranta","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/se\/288324\/","title":{"rendered":"S\u00e5 tj\u00e4nar bankerna miljoner p\u00e5 datumet f\u00f6r din bol\u00e5ner\u00e4nta"},"content":{"rendered":"

\u00d6kar int\u00e4kterna med 40 miljoner<\/p>\n

Enligt Zmartas ber\u00e4kningar kan tajmningen av de tv\u00e5 r\u00e4nte\u00e4ndringarna ha st\u00e4rkt Swedbanks int\u00e4kter med omkring 40 Mkr.<\/p>\n

\u00c4ven Handelsbanken<\/strong> och L\u00e4nsf\u00f6rs\u00e4kringar Bank<\/strong> h\u00f6r till de banker som enligt Zmarta s\u00e5g till att f\u00e5 ett f\u00f6rdelaktigt genomslag av v\u00e5rens r\u00e4nte\u00e4ndringar.<\/p>\n

F\u00f6r den enskilda bol\u00e5nekunden \u00e4r skillnaden ofta begr\u00e4nsad. F\u00f6r banken blir effekten desto st\u00f6rre n\u00e4r samma datumval p\u00e5verkar stora volymer r\u00f6rliga bol\u00e5n.<\/p>\n

\u201dF\u00f6r en genomsnittlig kund handlar det om en ringa f\u00f6rlust p\u00e5 runt tusenlappen. F\u00f6r de stora bol\u00e5nebankerna handlar tajmningen om miljonbelopp. Det \u00e4r ett smart och n\u00e4stan osynligt s\u00e4tt att \u00f6ka int\u00e4kterna d\u00e5 relativt f\u00e5 kunder t\u00e4nker p\u00e5 det\u201d, s\u00e4ger Ola S\u00f6derlind<\/strong>, hush\u00e5llsekonom p\u00e5 Zmarta.<\/p>\n

\"OlaZmartas hush\u00e5llsekonom Ola S\u00f6derlind har p\u00e5 uppdrag av Placera r\u00e4knat p\u00e5 hur mycket bankernas int\u00e4kter \u00f6kar n\u00e4r de dribblar med r\u00e4ntan. Foto: Press<\/p>\n

Att effekten blir s\u00e5 stor h\u00e4nger ocks\u00e5 ihop med att allt fler hush\u00e5ll v\u00e4ljer r\u00f6rlig r\u00e4nta. I dag har fler \u00e4n tre av fyra bol\u00e5nekunder r\u00f6rlig r\u00e4nta, p\u00e5pekar Zmarta.<\/p>\n

\u00a0<\/p>\n\n\n

Bank<\/strong><\/p>\n<\/td>\n\n

Villkors\u00e4ndring<\/strong><\/p>\n<\/td>\n\n

H\u00f6jde (0,15%)<\/strong><\/p>\n<\/td>\n\n

S\u00e4nkte (-0,05%)<\/strong><\/p>\n<\/td>\n\n

Int\u00e4kt\/dag (0,05%)<\/strong><\/p>\n<\/td>\n\n

Int\u00e4kt\/dag (0,15%)<\/strong><\/p>\n<\/td>\n<\/tr>\n\n\n

Swedbank<\/p>\n<\/td>\n\n

28:e varje m\u00e5nad<\/p>\n<\/td>\n\n

28-mars<\/p>\n<\/td>\n\n

29-maj<\/p>\n<\/td>\n\n

345 861 kr<\/p>\n<\/td>\n\n

1 037 583 kr<\/p>\n<\/td>\n<\/tr>\n\n\n

Handelsbanken<\/p>\n<\/td>\n\n

1:a varje m\u00e5nad<\/p>\n<\/td>\n\n

31-mars<\/p>\n<\/td>\n\n

08-juni<\/p>\n<\/td>\n\n

299 845 kr<\/p>\n<\/td>\n\n

899 535 kr<\/p>\n<\/td>\n<\/tr>\n\n\n

Nordea<\/p>\n<\/td>\n\n

Dag l\u00e5net tecknas<\/p>\n<\/td>\n\n

30-mars<\/p>\n<\/td>\n\n

12-juni<\/p>\n<\/td>\n\n

209 298 kr<\/p>\n<\/td>\n\n

627 894 kr<\/p>\n<\/td>\n<\/tr>\n\n\n

SEB<\/p>\n<\/td>\n\n

2:a varje m\u00e5nad<\/p>\n<\/td>\n\n

31-mars<\/p>\n<\/td>\n\n

24-apr<\/p>\n<\/td>\n\n

192 970 kr<\/p>\n<\/td>\n\n

578 910 kr<\/p>\n<\/td>\n<\/tr>\n\n\n

SBAB<\/p>\n<\/td>\n\n

Dag l\u00e5net tecknas<\/p>\n<\/td>\n\n

31-mars<\/p>\n<\/td>\n\n

27-maj<\/p>\n<\/td>\n\n

130 626 kr<\/p>\n<\/td>\n\n

391 878 kr<\/p>\n<\/td>\n<\/tr>\n\n\n

L\u00e4nsf\u00f6rs\u00e4kringar Bank<\/p>\n<\/td>\n\n

1:a varje m\u00e5nad<\/p>\n<\/td>\n\n

26-mars<\/p>\n<\/td>\n\n

15-juni<\/p>\n<\/td>\n\n

117 266 kr<\/p>\n<\/td>\n\n

351 798 kr<\/p>\n<\/td>\n<\/tr>\n\n\n

Danske Bank<\/p>\n<\/td>\n\n

Sista varje m\u00e5nad<\/p>\n<\/td>\n\n

27-mars<\/p>\n<\/td>\n\n

12-maj<\/p>\n<\/td>\n\n

46 016 kr<\/p>\n<\/td>\n\n

138 048 kr<\/p>\n<\/td>\n<\/tr>\n\n\n

Totalt (7 banker)<\/p>\n<\/td>\n\n\n\n\n

1 341 882 kr<\/p>\n<\/td>\n\n

4 025 646 kr<\/p>\n<\/td>\n<\/tr>\n\n\n\n\n\n\n<\/tr>\n\n\n

K\u00e4lla: Zmarta. Ber\u00e4kningarna g\u00e4ller r\u00f6rliga bol\u00e5n och v\u00e5rens r\u00e4nte\u00e4ndringar 2026.<\/p>\n<\/td>\n<\/tr>\n","protected":false},"excerpt":{"rendered":"\u00d6kar int\u00e4kterna med 40 miljoner Enligt Zmartas ber\u00e4kningar kan tajmningen av de tv\u00e5 r\u00e4nte\u00e4ndringarna ha st\u00e4rkt Swedbanks int\u00e4kter…\n","protected":false},"author":2,"featured_media":288325,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[5],"tags":[2751,5886,22,23,26,27,5822,17,21,18169,24,25,28,29,15,16,18,34,31,33,2066,32,30,19,20],"class_list":["post-288324","post","type-post","status-publish","format-standard","has-post-thumbnail","category-rubriker","tag-bolan","tag-bolanerantor","tag-breaking-news","tag-breakingnews","tag-featured-news","tag-featurednews","tag-handelsbanken","tag-headlines","tag-huvudnyheter","tag-lansforsakringar-bank","tag-latest-news","tag-latestnews","tag-main-news","tag-mainnews","tag-news","tag-nyheter","tag-rubriker","tag-se","tag-svenska","tag-sverige","tag-swedbank","tag-sweden","tag-swedish","tag-top-stories","tag-topstories"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@se\/116816633728272850","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/288324","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=288324"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/288324\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media\/288325"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media?parent=288324"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/categories?post=288324"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/tags?post=288324"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}