![](https://www.mariakorslund.no/wp-content/uploads/2019/02/dsc_1879_2-2002887-8-1487016945049.jpg)
3 grunner til å betale ekstra avdrag
Ganske mange velger å ikke betale avdrag på boliglånet. Ofte er det banken som deler opp lånet, slik at den største delen av lånet blir avdragsfri (for såkalt lavere effektiv rente, men i virkelighet for å tjene penger på oss).
Jeg velger helst å betale avdrag, og betaler ekstra hver gang jeg har mulighet.
Det er tre grunner til å gjøre dette:
1 Spare penger
Ikke tro at rentekostnader er lønnsomt. Jo mindre lån du har, jo mindre renter blir det.
Mange skal forsvare rentekostnader med skattefradrag. Husk at det er kun 24 % som skal fradragsføres, 76 % av rentekostnader er «bortkastet».
En liten endring kan påvirke betydelig.
Eksempel, lån på 3 MNOK, rente 2,1 % og 20 år betalingstid.
– Betaler man avdrag med en gang, er totale rentekostnader ca. kr 670 000
– Tar man 5 år avdragsfri, blir rentekostnader ca. kr 982 000
Forskjell før skatt kr 312 000 – ny bil.
2 Bygge opp sikkerhet i bolig
Jo mindre du har lån jo mer har du i sikkerhet. Hvis du plutselig må skifte tak, eller flis på badet fordi de ble umoderne, så kan du faktisk ta opp lån til å fikse det. Eller vil du starte en utleiebaron karriere, så kan den «ledige» delen bli sidesikkerhet for nytt kjøp.
3 Skaffe trygg fremtid
Mange banker presser på at folk skal spare i pensjon. Det er fint, ja. Men jeg helst ser frem til å bli gjeldfri til jeg går til pensjon. Selv om inntektene blir lavere, blir det tilsvarende mindre å betale. I tillegg kan man hjelpe til barn å kjøpe bolig ved å være kausjonist.
Selvfølgelig hvis man driver med andre typer investering der avkastning er mye høyere enn rentekostnader, kan man velge vel avdragsfrihet. Men samtidig tenker jeg: er det noen vits å ha boliglån da?
God natt!
#Norge #bolig #boligverdi #boliglån #lån #avdrag #eiendom #rentekostnader #renter #boligeier #sikkerhet #gjeld #kausjon #sidesikkerhet #økonomi #økonomiskhverdag #sparetips #tallsnacks
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