{"id":87144,"date":"2025-11-22T17:58:19","date_gmt":"2025-11-22T17:58:19","guid":{"rendered":"https:\/\/www.europesays.com\/se\/87144\/"},"modified":"2025-11-22T17:58:19","modified_gmt":"2025-11-22T17:58:19","slug":"sa-mycket-dyrare-blir-csn-lanet","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/se\/87144\/","title":{"rendered":"S\u00e5 mycket dyrare blir CSN-l\u00e5net"},"content":{"rendered":"

Publicerad 22 nov 2025 kl 07.30Uppdaterad kl 08.32<\/p>\n

Det senaste \u00e5ret har hush\u00e5llens r\u00e4ntekostnader sjunkit. Men det finns undantag.\u00a0<\/p>\n

De med studiel\u00e5n f\u00e5r r\u00e4kna med att betala n\u00e5got mer under 2026.\u00a0<\/p>\n

B\u00f6rskoll 21 november 2025 \u2013 se hela programmet\"\"\/<\/p>\n

Studiel\u00e5net blir n\u00e5got dyrare n\u00e4sta \u00e5r.<\/p>\n

Foto: JESSICA GOW \/ TT NYHETSBYR\u00c5N<\/p>\n

\u00d6ppna bild i helsk\u00e4rm<\/p>\n

De n\u00e4rmaste dagarna ska regeringen besluta om r\u00e4ntan p\u00e5 studiel\u00e5n f\u00f6r 2026. Inf\u00f6r beskedet har Centrala studiest\u00f6dsn\u00e4mnden (CSN<\/a>) som brukligt gjort en prognos, r\u00e4ntan f\u00f6rv\u00e4ntas nu hamna p\u00e5 2,135 procent, en viss h\u00f6jning fr\u00e5n \u00e5rets p\u00e5 1,981 procent. \u00a0<\/p>\n

H\u00f6jningen kan f\u00f6r m\u00e5nga tyckas m\u00e4rklig utifr\u00e5n att Riksbanken s\u00e4nkt styrr\u00e4ntan vid fyra tillf\u00e4llen under 2025 och r\u00e4ntorna p\u00e5 bostadsl\u00e5nen har sjunkit markant.\u00a0<\/p>\n

CSN-l\u00e5net ber\u00e4knas dock utifr\u00e5n de tre senaste \u00e5rens uppl\u00e5ningskostnader och inte enbart ett enskilt \u00e5r.<\/p>\n

\u2013 Det h\u00f6ga r\u00e4ntel\u00e4get som vi kommer fr\u00e5n f\u00e5ngas fortfarande upp av genomsnittsber\u00e4kningen och det \u00e4r d\u00e5 framf\u00f6rallt 2023, f\u00f6rklarar Patric Peippo, utredare p\u00e5 CSN:s r\u00e4ttsavdelning.<\/p>\n

\u201dFlera faktorer spelar in\u201d<\/p>\n

Rent ekonomiskt \u00e4r det dock inte en j\u00e4ttestor ekonomisk f\u00f6r\u00e4ndring j\u00e4mf\u00f6rt med f\u00f6reg\u00e5ende \u00e5r. Hur mycket mer det blir i kostnad per studiel\u00e5n \u00e4r dock mera komplicerat att r\u00e4kna ut \u00e4n till exempel kostnaden f\u00f6r ett husl\u00e5n.<\/p>\n

\u2013 Det \u00e4r flera faktorer som spelar in, hur mycket den enskilda l\u00e5ntagaren ska betala p\u00e5 l\u00e5net. En person med 217\u00a0000 kronor i skuld och 15 \u00e5r innan \u00e5terbetalningstiden \u00e4r \u00f6ver f\u00e5r nu betala 93 kronor mer i m\u00e5naden under 2026, s\u00e4ger han.\u00a0<\/p>\n

Dessutom kan de med studiel\u00e5n tr\u00f6sta sig med att det v\u00e4rsta nu bed\u00f6ms vara \u00f6ver.\u00a0<\/p>\n

\u2013 Som det ser ut nu s\u00e5 \u00e4r det h\u00e4r toppen och sedan v\u00e4nder det ned\u00e5t. F\u00f6r 2027 \u00e4r prognosen 2,051 procent men sedan ska man ha med sig att den inte \u00e4r lika s\u00e4ker som n\u00e4sta \u00e5rs prognos, s\u00e4ger Patric Peippo.<\/p>\n","protected":false},"excerpt":{"rendered":"Publicerad 22 nov 2025 kl 07.30Uppdaterad kl 08.32 Det senaste \u00e5ret har hush\u00e5llens r\u00e4ntekostnader sjunkit. Men det finns…\n","protected":false},"author":2,"featured_media":87145,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[72,70,71,2526,34,607,31,33,32,30,9524,652],"class_list":{"0":"post-87144","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ekonomi","8":"tag-business","9":"tag-economy","10":"tag-ekonomi","11":"tag-organization-csn","12":"tag-se","13":"tag-sections-konsument","14":"tag-svenska","15":"tag-sverige","16":"tag-sweden","17":"tag-swedish","18":"tag-topic-lana-pengar","19":"tag-topic-skola-utbildning"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@se\/115594651459806233","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/87144","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=87144"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/87144\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media\/87145"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media?parent=87144"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/categories?post=87144"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/tags?post=87144"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}