{"id":4262,"date":"2015-02-16T14:26:34","date_gmt":"2015-02-16T15:26:34","guid":{"rendered":"http:\/\/www.femtielva.se\/?p=4262"},"modified":"2015-02-16T14:39:51","modified_gmt":"2015-02-16T15:39:51","slug":"att-rakna-ratt-och-skriva-fel-eller-hur-det-nu-blir","status":"publish","type":"post","link":"https:\/\/www.femtielva.se\/?p=4262","title":{"rendered":"Att r\u00e4kna r\u00e4tt och skriva fel, eller hur det nu blir…"},"content":{"rendered":"

Approp\u00e5 SBAB och r\u00e4nter\u00e4kningen.<\/em><\/strong><\/p>\n

Om man svarar s\u00e5 h\u00e4r ordagrant p\u00e5 en fr\u00e5ga om vad det kostar \/ jag skall betala<\/p>\n

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M\u00e5nadskostnad\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1\u00a0146 kr\/m\u00e5n<\/strong><\/span><\/div>\n<\/div>\n
Exempelr\u00e4nta: 5,00% (effektiv r\u00e4nta 5,12%) <\/span>
\nAktuell r\u00e4ntesats privatl\u00e5n: 3,60% – 9,10%<\/span><\/div>\n
<\/div>\n
om fr\u00e5gan inneh\u00f6ll m\u00e5nga m\u00e5nader kan man inte f\u00f6rst\u00e5 det p\u00e5 annat s\u00e4tt \u00e4n att det \u00e4r detta man skall\u00a0 betala varje m\u00e5nad.\u00a0 F\u00f6ljer man upp med ett mail med detta svar kan det absolut inte missf\u00f6rst\u00e5s.<\/div>\n
<\/div>\n
Hej och tack f\u00f6r ditt mejl!<\/span>
\nF\u00f6r ett l\u00e5n p\u00e5 55000kr med en r\u00e4nta p\u00e5 5% blir m\u00e5nadskostnaden 229,10 kr i r\u00e4nta och ca 916kr i amortering. S\u00e5 p\u00e5 5 \u00e5r blir den totala r\u00e4ntekostnaden 13746kr. <\/span>
\nH\u00e4lsningar fr\u00e5n oss p\u00e5 SBAB!<\/span><\/div>\n
<\/div>\n
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Men s\u00e5 var det inte. Svaret var bara r\u00e4tt EN enda g\u00e5ng.<\/strong><\/div>\n
<\/div>\n<\/div>\n
S\u00e5 det \u00e4r som man brukar p\u00e5peka viktigt att B\u00c5DE kunna r\u00e4kna och skriva. Men r\u00e4tt skall vara r\u00e4tt, SBAB har ringt och klargjort att r\u00e4ntebasen sjunker vartefter och r\u00e4ntan i verkligheten blir ca h\u00e4lften av ovan angivna 13746 kr i mitt r\u00e4kne-exempel.<\/div>\n
<\/div>\n
Det kan sluta med att jag sl\u00e5r till p\u00e5 en ny MC d\u00e5 –\u00a0 \u00e4ven hos SBAB,\u00a0 f\u00f6r de har inga aviseringsavgifter p\u00e5 varje inbetalning. Det \u00e4r en dryga 2500 kr dessutom.<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Approp\u00e5 SBAB och r\u00e4nter\u00e4kningen. Om man svarar s\u00e5 h\u00e4r ordagrant p\u00e5 en fr\u00e5ga om vad det kostar \/ jag skall betala M\u00e5nadskostnad\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1\u00a0146 kr\/m\u00e5n Exempelr\u00e4nta: 5,00% (effektiv r\u00e4nta 5,12%) Aktuell r\u00e4ntesats privatl\u00e5n: 3,60% – 9,10% om fr\u00e5gan inneh\u00f6ll m\u00e5nga m\u00e5nader kan man inte f\u00f6rst\u00e5 det p\u00e5 annat s\u00e4tt \u00e4n att det \u00e4r detta man skall\u00a0 … Forts\u00e4tt l\u00e4sa Att r\u00e4kna r\u00e4tt och skriva fel, eller hur det nu blir…<\/span> →<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4262","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.femtielva.se\/index.php?rest_route=\/wp\/v2\/posts\/4262","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.femtielva.se\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.femtielva.se\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.femtielva.se\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.femtielva.se\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4262"}],"version-history":[{"count":2,"href":"https:\/\/www.femtielva.se\/index.php?rest_route=\/wp\/v2\/posts\/4262\/revisions"}],"predecessor-version":[{"id":4264,"href":"https:\/\/www.femtielva.se\/index.php?rest_route=\/wp\/v2\/posts\/4262\/revisions\/4264"}],"wp:attachment":[{"href":"https:\/\/www.femtielva.se\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4262"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.femtielva.se\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4262"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.femtielva.se\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4262"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}