{"id":3158,"date":"2020-10-15T10:07:44","date_gmt":"2020-10-15T10:07:44","guid":{"rendered":"https:\/\/www.top5credits.com\/se\/?p=3158"},"modified":"2022-05-19T09:02:09","modified_gmt":"2022-05-19T09:02:09","slug":"ranteskillnadsersattning","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/se\/ordlista\/ranteskillnadsersattning\/","title":{"rendered":"R\u00e4nteskillnadsers\u00e4ttning"},"content":{"rendered":"\n

Om du vill l\u00f6sa ett befintligt bol\u00e5n i f\u00f6rtid kan du beh\u00f6va betala r\u00e4nteskillnadsers\u00e4ttning till banken. Det betyder att du direkt m\u00e5ste betala den r\u00e4nta som banken f\u00f6rv\u00e4ntat sig f\u00e5 ut av att du l\u00e5nar pengarna<\/a> – om du hade haft kvar skulden till dess att l\u00f6ptiden g\u00e5tt ut. Du m\u00e5ste allts\u00e5 betala de pengar som du skulle betalat i r\u00e4nta under hela l\u00f6ptiden men p\u00e5 en g\u00e5ng, samtidigt som du kvittar sj\u00e4lva grundl\u00e5net. I den h\u00e4r artikeln kan du l\u00e4ra dig mer om hur r\u00e4nteskillnadsers\u00e4ttning anv\u00e4nds och hur du kan g\u00f6ra din egen ber\u00e4kning p\u00e5 hur mycket du m\u00e5ste betala. L\u00e4s vidare!<\/strong><\/p>\n\n\n\n

Vad \u00e4r r\u00e4nteskillnadsers\u00e4ttning? <\/h2>\n\n\n\n

En r\u00e4nteskillnadsers\u00e4ttning inneb\u00e4r att du betalar banken sin r\u00e4nta i f\u00f6rtid i samband med att du l\u00f6ser ditt bol\u00e5n hos dem i f\u00f6rtid. N\u00e4r du tecknar ett bundet bol\u00e5n s\u00e5 f\u00f6rv\u00e4ntar sig banken att tj\u00e4na en viss procent p\u00e5 att du l\u00e5nar pengarna<\/a>, den procenten f\u00e5r de in genom r\u00e4ntan. Om du l\u00f6ser det bundna l\u00e5net i f\u00f6rtid s\u00e5 har banken r\u00e4tt att kr\u00e4va denna ers\u00e4ttning fr\u00e5n dig i en klumpsumma – men bara om det st\u00e5r s\u00e5 i avtalet ni gjort.<\/p>\n\n\n\n

De g\u00f6r d\u00e5 en ber\u00e4kning som \u00e4r baserad p\u00e5 hur l\u00e5ng tid som \u00e4r kvar p\u00e5 l\u00f6ptiden, hur mycket r\u00e4nta du betalar idag och j\u00e4mf\u00f6relser\u00e4ntan. Hur denna ber\u00e4kning g\u00e5r till kan du l\u00e4sa mer om l\u00e4ngre ner p\u00e5 sidan. <\/p>\n\n\n\n

Oavsett om ditt bol\u00e5n \u00e4r bundet eller obundet s\u00e5 har du r\u00e4tt enligt konsumentkreditlagen att l\u00f6sa det i f\u00f6rtid<\/strong>. \u00c4r det obundet \u00e4r du inte skyldig att betala r\u00e4nteskillnadsers\u00e4ttningen och \u00e4r det bundet s\u00e5 kan du i vissa fall slippa betala den eller g\u00f6ra upp en deal med banken d\u00e4r du bara beh\u00f6ver betala en viss del. <\/p>\n\n\n\n

Varf\u00f6r tas den ut?<\/h2>\n\n\n\n

R\u00e4nteskillnadsers\u00e4ttning tas ut f\u00f6r att banken ska vara s\u00e4ker p\u00e5 att f\u00e5 ut s\u00e5 mycket som de planerat av att l\u00e5na ut pengar till dig. Om de skulle g\u00e5 miste om all r\u00e4nta som f\u00f6rsvinner p\u00e5 sina bundna bol\u00e5n som l\u00f6ses i f\u00f6rtid s\u00e5 blir det en alltf\u00f6r stor f\u00f6rlust i slut\u00e4ndan. Du kan dock ofta f\u00f6rhandla med banken och hitta en l\u00f6sning som passar er b\u00e5da.<\/p>\n\n\n\n

Ett vanligt tillf\u00e4lle d\u00e5 bol\u00e5n l\u00f6ses i f\u00f6rtid \u00e4r n\u00e4r man s\u00e4ljer en bostad. Eftersom det sker massor med f\u00f6rs\u00e4ljningar runtom i landet varje \u00e5r s\u00e5 m\u00e5ste bankerna ha n\u00e5gon form av s\u00e4kerhet som ger dem en vinst p\u00e5 aff\u00e4ren – och det blir d\u00e5 r\u00e4nteskillnadsers\u00e4ttningen. <\/p>\n\n\n\n

S\u00e5 ber\u00e4knas r\u00e4nteskillnadsers\u00e4ttning<\/h2>\n\n\n\n

Det \u00e4r dock om\u00f6jligt att veta exakt hur det slutgiltiga beloppet hade sett ut om det \u00e4r l\u00e5ngt tid kvar p\u00e5 l\u00f6ptiden vid den tidpunkt d\u00e5 l\u00e5net l\u00f6ses i f\u00f6rtid. Av denna anledningen anv\u00e4nder sig bankerna av en schablonber\u00e4kning<\/strong> som \u00e4r baserad p\u00e5 tiden som \u00e4r kvar p\u00e5 l\u00e5nets l\u00f6ptid (om du hade f\u00f6ljt planen), din individuella r\u00e4nta p\u00e5 l\u00e5net och en j\u00e4mf\u00f6relser\u00e4nta som kan vara olika fr\u00e5n bank till bank. Om du tar reda p\u00e5 din banks j\u00e4mf\u00f6relser\u00e4nta kan du g\u00f6ra din egen ber\u00e4kning online<\/a> eller med en minir\u00e4knare. Du kan \u00e4ven be din bank om hj\u00e4lp f\u00f6r att f\u00e5 en mer exakt ber\u00e4kning. Genom att g\u00f6ra den h\u00e4r utr\u00e4kningen kan du se hur mycket du kan komma att beh\u00f6va betala vid en f\u00f6rs\u00e4ljning till exempel. Vid en s\u00e5dan ber\u00e4kning tittar man p\u00e5 flera omr\u00e5den men generellt sett r\u00e4knar man s\u00e5 h\u00e4r:<\/p>\n\n\n\n

Exempel:<\/strong><\/p>\n\n\n\n

Kapitalskuld: <\/strong>1 000 000 kr<\/p>\n\n\n\n

Individuell r\u00e4nta: <\/strong>2%<\/p>\n\n\n\n

J\u00e4mf\u00f6relser\u00e4nta:<\/strong> 3,90%<\/p>\n\n\n\n

Tid kvar:<\/strong> 2 \u00e5r<\/p>\n\n\n\n

1 000 000 X 2 X 0,19 = 38 000 kr<\/p>\n\n\n\n

\u00c4r r\u00e4nteskillnadsers\u00e4ttning avdragsgill?<\/h2>\n\n\n\n

Varje \u00e5r har du r\u00e4tt att g\u00f6ra avdrag f\u00f6r de r\u00e4ntor du betalat p\u00e5 dina l\u00e5n under \u00e5ret<\/a> – Detta sker automatiskt genom att l\u00e5ngivarna skickar kontrolluppgifter till Skatteverket vid \u00e5ret slut d\u00e4r det framg\u00e5r hur mycket r\u00e4nta du betalat. D\u00e4refter drar Skatteverket per automatik av 30% p\u00e5 detta belopp och betalar tillbaka till dig i form av skatte\u00e5terb\u00e4ring, som dyker upp innan midsommar varje \u00e5r. F\u00f6r att f\u00e5 din \u00e5terb\u00e4ring m\u00e5ste du deklarera i tid. <\/p>\n\n\n\n

\u00c4ven r\u00e4nteskillnadsers\u00e4ttningen \u00e4r avdragsgill<\/strong> eftersom det ocks\u00e5 \u00e4r r\u00e4nta du betalat – bara i f\u00f6rtid. Det g\u00f6r dig minst lika ber\u00e4ttigad till det h\u00e4r avdraget som alla andra. Det kan vara bra att ha med detta faktum i dina ber\u00e4kningar eftersom det i slut\u00e4ndan betyder att du betalar 30% mindre i r\u00e4nta totalt sett. Skillnaden \u00e4r bara att du inte f\u00e5r dem pengarna direkt utan ist\u00e4llet n\u00e4r det \u00e4r dags f\u00f6r Skatteverket att betala ut skatte\u00e5terb\u00e4ringen till svenska folket – vilket sker antingen april eller maj, beroende p\u00e5 n\u00e4r och hur du deklarerat. <\/p>\n\n\n\n

<\/div>\n\n\n\n

K\u00e4llor<\/h4>\n\n\n\n
  1. http:\/\/www.nationalekonomi.se\/sites\/default\/files\/2017\/11\/45-7-rehl.pdf<\/a><\/li>
  2. https:\/\/sv.wikipedia.org\/wiki\/R%C3%A4nteskillnadsers%C3%A4ttning<\/a><\/li><\/ol>\n","protected":false},"excerpt":{"rendered":"

    En r\u00e4nteskillnadsers\u00e4ttning inneb\u00e4r att du betalar banken sin r\u00e4nta i f\u00f6rtid i samband med att du l\u00f6ser ditt bol\u00e5n hos dem i f\u00f6rtid.<\/p>\n","protected":false},"author":16,"featured_media":3162,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-glossary.php","format":"standard","meta":{"footnotes":""},"categories":[100],"tags":[],"class_list":["post-3158","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ordlista","entry"],"yoast_head":"\nR\u00e4nteskillnadsers\u00e4ttning n\u00e4r du l\u00f6ser l\u00e5n i f\u00f6rtid - Top5Credits<\/title>\n<meta name=\"description\" content=\"En r\u00e4nteskillnadsers\u00e4ttning inneb\u00e4r att du betalar banken sin r\u00e4nta i f\u00f6rtid i samband med att du l\u00f6ser ditt bol\u00e5n hos dem i f\u00f6rtid.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.top5credits.com\/se\/ordlista\/ranteskillnadsersattning\/\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"R\u00e4nteskillnadsers\u00e4ttning n\u00e4r du l\u00f6ser l\u00e5n i f\u00f6rtid - 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