{"id":331805,"date":"2026-08-09T08:44:21","date_gmt":"2026-08-09T08:44:21","guid":{"rendered":"https:\/\/www.europesays.com\/se\/331805\/"},"modified":"2026-08-09T08:44:21","modified_gmt":"2026-08-09T08:44:21","slug":"rakna-inte-bort-nischbankerna-tusentals-kan-sparas-per-ar","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/se\/331805\/","title":{"rendered":"R\u00e4kna inte bort nischbankerna \u2013 tusentals kan sparas per \u00e5r"},"content":{"rendered":"<p>Zmartas m\u00e5natliga genomg\u00e5ng av de 13 st\u00f6rsta bol\u00e5neakt\u00f6rerna visar att snittr\u00e4ntan sj\u00f6nk marginellt i juli, fr\u00e5n 2,75 till 2,73 procent, skriver <a href=\"https:\/\/www.svd.se\/a\/5poJ1K\/har-ar-bankerna-med-lagst-rorlig-ranta\" rel=\"nofollow noopener\" target=\"_blank\">SvD<\/a>.\u00a0<\/p>\n<p>R\u00f6relsen \u00e4r blygsam, men gapet mellan de billigaste och dyraste bankerna \u00e4r tillr\u00e4ckligt stort f\u00f6r att g\u00f6ra en j\u00e4mf\u00f6relse l\u00f6nsam.<\/p>\n<p>Bland storbankerna \u00e4r skillnaderna mer d\u00e4mpade. Swedbank l\u00e5g l\u00e4gst med 2,68 procent, Nordea h\u00f6gst med 2,77 procent.\u00a0<\/p>\n<p>Det \u00e4r nio punkters skillnad \u2013 men multiplicerat med ett stort l\u00e5n och m\u00e5nga \u00e5r r\u00e4cker det till ett par tusenlappar.<\/p>\n<p><strong>MISSA INTE: <\/strong><a href=\"https:\/\/news55.se\/privatekonomi\/missa-inte-dessa-stod-sa-ansoker-du-om-mer-pension\/\" rel=\"nofollow noopener\" target=\"_blank\">Missa inte dessa st\u00f6d: S\u00e5 ans\u00f6ker du om mer pension<\/a><\/p>\n<p>Nischbankerna konkurrerar h\u00e5rdare<\/p>\n<p>Det \u00e4r utanf\u00f6r storbanksf\u00e4ltet de riktigt stora klyftorna uppst\u00e5r. Skandiabanken och Landshypotek, med 2,58 respektive 2,61 procent, erbjuder r\u00e4ntor som sl\u00e5r samtliga storbanker.\u00a0<\/p>\n<p>I andra \u00e4nden sticker Ikano Bank ut med 2,92 procent \u2013 en skillnad mot Skandiabanken p\u00e5 0,34 procentenheter, vilket f\u00f6r en miljon i bol\u00e5n inneb\u00e4r 3 400 kronor mer i r\u00e4ntekostnader per \u00e5r, skriver <a href=\"https:\/\/www.mynewsdesk.com\/se\/zmarta\/pressreleases\/bankerna-med-laegst-snittraentor-i-juli-3460160\" rel=\"nofollow noopener\" target=\"_blank\">Zmarta<\/a>.<\/p>\n<p>\u201cVi ser dubbla v\u00e4rldar just nu. Inflationen faller men samtidigt syns tendenser till att bankerna vill \u00f6ka marginalen p\u00e5 sina bol\u00e5n fram\u00f6ver\u201d, s\u00e4ger <strong>Ola S\u00f6derlind<\/strong>, hush\u00e5llsekonom p\u00e5 Zmarta.<\/p>\n<p><strong>MISSA INTE: <\/strong><a href=\"https:\/\/news55.se\/samhalle\/elpriserna-kommer-oka-i-host-och-dessa-drabbas-hardast\/\" rel=\"nofollow noopener\" target=\"_blank\">Elpriserna kommer \u00f6ka i h\u00f6st \u2013 och dessa drabbas h\u00e5rdast<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"Zmartas m\u00e5natliga genomg\u00e5ng av de 13 st\u00f6rsta bol\u00e5neakt\u00f6rerna visar att snittr\u00e4ntan sj\u00f6nk marginellt i juli, fr\u00e5n 2,75 till&hellip;\n","protected":false},"author":2,"featured_media":331806,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[65],"tags":[338,12606,72,70,71,4500,349,1689,34,17970,31,33,32,30],"class_list":["post-331805","post","type-post","status-publish","format-standard","has-post-thumbnail","category-ekonomi","tag-bank","tag-banker","tag-business","tag-economy","tag-ekonomi","tag-pengar","tag-privatekonomi","tag-rantor","tag-se","tag-skandia","tag-svenska","tag-sverige","tag-sweden","tag-swedish"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@se\/117064673956159115","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/331805","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=331805"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/331805\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media\/331806"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media?parent=331805"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/categories?post=331805"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/tags?post=331805"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}