{"id":3572,"date":"2021-01-15T16:00:00","date_gmt":"2021-01-15T16:00:00","guid":{"rendered":"https:\/\/www.top5credits.com\/se\/?p=3572"},"modified":"2026-04-10T12:09:16","modified_gmt":"2026-04-10T12:09:16","slug":"belaningsgrad","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/se\/ordlista\/belaningsgrad\/","title":{"rendered":"Bel\u00e5ningsgrad"},"content":{"rendered":"\n<p>N\u00e4r du ska k\u00f6pa bostad s\u00e5 beh\u00f6ver du i de allra flesta fall ta ett bol\u00e5n fr\u00e5n en bank f\u00f6r att finansiera k\u00f6pet &#8211; om du inte har n\u00e5gra miljoner liggandes p\u00e5 bankkontot. Banken l\u00e5ter dig dock aldrig l\u00e5na mer \u00e4n 85% av bostadens v\u00e4rde &#8211; detta kallas bel\u00e5ningsgrad &#8211; och resten p\u00e5 15% m\u00e5ste du eller ni betala ut egen ficka. L\u00e4s vidare f\u00f6r att l\u00e4ra dig mer om bel\u00e5ningsgrad och vad du beh\u00f6ver t\u00e4nka p\u00e5 n\u00e4r du tar ett bol\u00e5n!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Vad \u00e4r bel\u00e5ningsgrad?<\/h2>\n\n\n\n<p>Bel\u00e5ningsgraden \u00e4r en procentsats som appliceras p\u00e5 en bostads marknadsv\u00e4rde n\u00e4r du ans\u00f6ker om ett bol\u00e5n hos banken. Du f\u00e5r max ha en bel\u00e5ningsgrad p\u00e5 85% av bostadens v\u00e4rde, resterande 15 procent betalar du i kontantinsats av dina egna pengar. Har du inte pengar till kontantinsatsen kan du l\u00e5na av familj, v\u00e4nner eller ta ett l\u00e5n hos en annan bank.&nbsp;<\/p>\n\n\n\n<p><strong>Det \u00e4r alltid mer f\u00f6rdelaktigt att ha en l\u00e5g bel\u00e5ningsgrad<\/strong> eftersom du d\u00e5 inte p\u00e5verkas lika kraftigt av eventuella r\u00e4ntef\u00f6r\u00e4ndringar p\u00e5 marknaden. Ju h\u00f6gre bel\u00e5ningsgrad desto mer s\u00e5rbar \u00e4r du. Har du m\u00f6jlighet att amortera p\u00e5 ditt l\u00e5n b\u00f6r du d\u00e4rf\u00f6r g\u00f6ra detta f\u00f6r att p\u00e5 s\u00e5 vis s\u00e4nka bel\u00e5ningsgraden efter hand. Har du en bel\u00e5ningsgrad p\u00e5 \u00f6ver 50% procent s\u00e5 \u00e4r det <a href=\"https:\/\/www.top5credits.com\/se\/ordlista\/amorteringskrav\/\">krav p\u00e5 att du <em>m\u00e5ste<\/em> amortera<\/a>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">R\u00e4kna ut sin bel\u00e5ningsgrad<\/h2>\n\n\n\n<p>Att r\u00e4kna ut sin bel\u00e5ningsgrad \u00e4r enkelt. Du tar det belopp du tagit i bol\u00e5n och dividerar det med bostadens marknadsv\u00e4rde. S\u00e4g exempelvis att du tar ett bol\u00e5n p\u00e5 1 000 000 kr f\u00f6r att k\u00f6pa ett hus med ett marknadsv\u00e4rde p\u00e5 2 000 000 kr.&nbsp;<\/p>\n\n\n\n<p><strong>Exempel:<\/strong><\/p>\n\n\n\n<p>2 000 000\/1 000 000 \u00e4r lika med 0,5 vilket blir 50% bel\u00e5ningsgrad.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Bel\u00e5ningsgradens betydelse vid l\u00e5n<\/h2>\n\n\n\n<p>Bel\u00e5ningsgraden har stor betydelse n\u00e4r det kommer till amortering p\u00e5 ditt bol\u00e5n. Om du hade planerat att slippa amortera s\u00e5 <strong>f\u00e5r du inte ha en bel\u00e5ningsgrad p\u00e5 \u00f6ver 50%<\/strong>. En amortering brukar ligga p\u00e5 n\u00e5gra tusenlappar per m\u00e5nad och d\u00e4rf\u00f6r \u00e4r det viktigt att du har koll p\u00e5 hur l\u00e4get ser ut innan du best\u00e4mmer dig f\u00f6r att sl\u00e5 till och k\u00f6pa hus eller bostadsr\u00e4tt.<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Under de senaste tv\u00e5 decennierna har de svenska hush\u00e5llen l\u00e5nat mer och mer f\u00f6r varje \u00e5r. L\u00e5nen har \u00f6kat snabbare \u00e4n de disponibla inkomsterna, drivna av bland annat l\u00e5ga r\u00e4ntor och stigande bostadspriser. Skuldutvecklingen d\u00e4mpades efter de tv\u00e5 <a href=\"https:\/\/www.top5credits.com\/se\/ordlista\/amorteringskrav\/\">amorteringskraven<\/a> som inf\u00f6rdes 2016 och 2018, men tog sedan ny fart under coronapandemin.<\/p>\n<cite>Finansinspektionen 2022<\/cite><\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">Andra viktiga punkter kring bol\u00e5n<\/h3>\n\n\n\n<p>F\u00f6rutom att det \u00e4r viktigt att ha koll p\u00e5 hur stor din bel\u00e5ningsgrad \u00e4r eller kommer att bli s\u00e5 finns det andra viktiga punkter kring bol\u00e5n som \u00e4r bra att k\u00e4nna till. Du b\u00f6r exempelvis k\u00e4nna till att du f\u00e5r g\u00f6ra <a href=\"https:\/\/www.top5credits.com\/se\/ordlista\/ranteavdrag\/\">r\u00e4nteavdrag<\/a> p\u00e5 den r\u00e4nta du betalar p\u00e5 l\u00e5net varje \u00e5r. Detta avdrag ligger p\u00e5 30% och sker automatiskt genom att bankerna skickar \u00f6ver sina kontrolluppgifter till Skatteverket som sedan genomf\u00f6r r\u00e4nteavdraget och betalar tillbaka pengarna till dig i form av skatte\u00e5terb\u00e4ringen som kommer i april eller juni varje \u00e5r &#8211; f\u00f6rutsatt att du deklarerat i tid. Detta ska du ta med i dina ber\u00e4kningar n\u00e4r du g\u00f6r en kalkyl \u00f6ver hur mycket ett bol\u00e5n kommer att kosta dig p\u00e5 ett \u00e5r.&nbsp;<\/p>\n\n\n\n<p>Andra viktiga punkter kring husk\u00f6p och bostadsl\u00e5n \u00e4r exempelvis att du beh\u00f6ver ett <a href=\"https:\/\/www.top5credits.com\/se\/ordlista\/lanelofte\/\">l\u00e5nel\u00f6fte<\/a> fr\u00e5n banken f\u00f6r att kunna buda p\u00e5 bost\u00e4der du \u00e4r intresserad av. Detta ans\u00f6ker du om innan du b\u00f6rjar g\u00e5 p\u00e5 visningar. N\u00e4r du vunnit en budgivning s\u00e5 genomf\u00f6r man den formella ans\u00f6kan om bol\u00e5n hos banken d\u00e4r l\u00e5net godk\u00e4nns (eller i v\u00e4rsta fall blir nekat, vilket s\u00e4llan sker).&nbsp;<\/p>\n\n\n\n<p>Efter k\u00f6pet \u00e4r klart m\u00e5ste k\u00f6paren \u00e4ven ans\u00f6ka om <a href=\"https:\/\/www.top5credits.com\/se\/ordlista\/lagfart\/\">lagfart<\/a> f\u00f6r att bli skriven som ny \u00e4gare av bostaden. Det finns kostnader som \u00e4r kopplat till detta som du b\u00f6r ta med i ber\u00e4kningarna f\u00f6r bol\u00e5net.&nbsp;<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\">K\u00e4llor<\/h4>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.konsumenternas.se\/lana\/olika-lan\/om-bolan\/sa-fungerar-ett-bolan\/belaningsgrad\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">https:\/\/www.konsumenternas.se\/lana\/olika-lan\/om-bolan\/sa-fungerar-ett-bolan\/belaningsgrad<\/a><\/li>\n<\/ol>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bel\u00e5ningsgraden \u00e4r en procentsats som appliceras p\u00e5 en bostads marknadsv\u00e4rde n\u00e4r du ans\u00f6ker om ett bol\u00e5n hos banken. Du f\u00e5r max ha en bel\u00e5ningsgrad p\u00e5 85% av bostadens v\u00e4rde, resterande 15 procent betalar du i kontantinsats av dina egna pengar.<\/p>\n","protected":false},"author":16,"featured_media":3573,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-glossary.php","format":"standard","meta":{"footnotes":""},"categories":[100],"tags":[],"class_list":["post-3572","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ordlista","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bel\u00e5ningsgrad - Vad \u00e4r det? - Top5Credits<\/title>\n<meta name=\"description\" content=\"Vad \u00e4r bel\u00e5ningsgrad egentligen? 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Vi reder ut begreppet och g\u00e5r igenom vad du beh\u00f6ver t\u00e4nka p\u00e5 n\u00e4r du tar ett bol\u00e5n!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.top5credits.com\/se\/ordlista\/belaningsgrad\/\" \/>\n<meta property=\"og:site_name\" content=\"Top5Credits.com Sverige\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Top5Credits-Sverige-380562019248980\" \/>\n<meta property=\"article:published_time\" content=\"2021-01-15T16:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-10T12:09:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2021\/01\/Belaningsgrad.jpg?cdn=1.1.5\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"801\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Kasper\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Skriven av\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kasper\" \/>\n\t<meta name=\"twitter:label2\" content=\"Ber\u00e4knad l\u00e4stid\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minuter\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/ordlista\\\/belaningsgrad\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/ordlista\\\/belaningsgrad\\\/\"},\"author\":{\"name\":\"Kasper\",\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/#\\\/schema\\\/person\\\/070a4637f96098da973d844cc210ff07\"},\"headline\":\"Bel\u00e5ningsgrad\",\"datePublished\":\"2021-01-15T16:00:00+00:00\",\"dateModified\":\"2026-04-10T12:09:16+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/ordlista\\\/belaningsgrad\\\/\"},\"wordCount\":761,\"publisher\":{\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/ordlista\\\/belaningsgrad\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/wp-content\\\/uploads\\\/sites\\\/3\\\/2021\\\/01\\\/Belaningsgrad.jpg\",\"articleSection\":[\"Ordlista\"],\"inLanguage\":\"sv-SE\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/ordlista\\\/belaningsgrad\\\/\",\"url\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/ordlista\\\/belaningsgrad\\\/\",\"name\":\"Bel\u00e5ningsgrad - Vad \u00e4r det? - Top5Credits\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/ordlista\\\/belaningsgrad\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/ordlista\\\/belaningsgrad\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/wp-content\\\/uploads\\\/sites\\\/3\\\/2021\\\/01\\\/Belaningsgrad.jpg\",\"datePublished\":\"2021-01-15T16:00:00+00:00\",\"dateModified\":\"2026-04-10T12:09:16+00:00\",\"description\":\"Vad \u00e4r bel\u00e5ningsgrad egentligen? 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