Fremtidig krise?
Denne uken kom Norges Bank med beskjed om renteøkning på 1,65 % innen 2021.
Jeg ble veldig bekymret for dette betyr at boliglånet skal koste betydelig mer enn nå. Vi bor ikke gratis for å si det sånn og dobling av rentekostnader vil påvirke familiens økonomi i veldig stor grad.
I følge statistikken vil ikke 15 % tåle en renteøkning på 1 %. Hvor mange vil da tåle en økning på 2 %? Hver tredje?
Spesielt blir det vanskelig for de som har avdragsfrihet, for månedlig betaling vil øke, men allikevel skal lånet stå uendret.
Her følger noen eksempler på endringer i betalinger pr mnd. og år.
Forutsetning: nedbetalingstid 20 år, termingebyr kr 50.
Lånebeløp |
Månedlig betaling |
Endring pr måned |
Totalt renter og gebyrer |
Endring totalt renter og gebyrer |
||
2 % |
4 % |
2 % |
4 % |
|||
1 MNOK |
5 109 |
6 110 |
1 001 |
226 125 |
466 344 |
240 219 |
2 MNOK |
10 168 |
12 170 |
2 002 |
440 237 |
920 705 |
480 468 |
3 MNOK |
15 227 |
18 229 |
3 002 |
654 360 |
1 375 067 |
720 707 |
4 MNOK |
20 285 |
24 289 |
4 004 |
868 480 |
1 829 417 |
960 937 |
5 MNOK |
25 344 |
30 349 |
5 005 |
1 082 605 |
2 283 765 |
1 201 160 |
Jo mer man har i lån, jo høyere blir økning i månedsbeløpet og totale renter.
Har man 5 millioner i boliglån, må man finne kr 5 005 ekstra i lommeboka for å betjene lånet pr mnd.
Ifølge SSB, 77 % av norske befolkningen eier egen bolig. 65 % av dem har boliglån og 90 % av dem med flytende rente. Dvs. nesten hver andre person i Norge blir berørt av en renteøkning.
Skremmende fremtid, ikke sant?
Hva kan man gjøre da? Jeg anbefaler å spare fullt på BSU og BSU 2, alltid ha buffer og betale på boliglånet. Det blir vel en gradvis økning og muligens får banken ta en gjennomgang før de setter renten opp.
#rente #norgesbank #renteøkning #lån #boliglån #bolig #statistikk #boligeier #økonomi #personligøkonomi #husholdning #sparing #sparetips #tallsnacks
112 kommentarer
Ingrid; voksen tilslutt
Så illustrerende! Veldig bra eksempel og tydelig måte å vise hva en renteøkning i praksis vil si! Jeg har betalt ekstra på lånet med lav rente, for å la hver krone gå lengre med lånet. 100 kr innbetalt når renta er 25 kr, gir mer enn 100 kr når renta er 50 kr.
Jeg får vel bare fortsette å betale ekstra på boliglånet, det blir jo mindre for hver måned.
Du var jo klar over at rentene kunne økes, men nå når det er litt mer bestemt og konkret, angrer du på at du betalte ned studielånet først?
Maria
Ingrid; voksen tilslutt:
Ja, jeg har alltid buffer i tilfelle det skal være en kraftig renteøkning, men angrer absolutt ikke på at jeg nedbetalte studielån. De penger jeg pleide å betale har jeg investert og fikk god avkastning som bygger buffer igjen 🙂 (pr d.d. har studielånet fortsatt høyere rente enn boliglån)
Jostein Ø
En interessant kommentar relatert til dette.
Jostein Ø
https://www.dinside.no/okonomi/diesel-til-38-kroner-literen/69644428
Her er linken.
🙂
Maria
Jostein Ø:
ja, det er flere ting man kan tenke på når det gjelder økonomi 🙂
God påske! 🙂
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