{"id":2446,"date":"2026-09-03T15:00:22","date_gmt":"2026-09-03T12:00:22","guid":{"rendered":"https:\/\/oun.fi\/?p=2446"},"modified":"2026-09-03T15:08:45","modified_gmt":"2026-09-03T12:08:45","slug":"ar-det-billigare-att-hyra","status":"publish","type":"post","link":"https:\/\/oun.fi\/sv\/ar-det-billigare-att-hyra\/","title":{"rendered":"\u00e4r det billigare att hyra?"},"content":{"rendered":"

Nordea publicerade nyligen ett pressmeddelande som s\u00e4ger att det har blivit dyrare att \u00e4ga sin bostad \u00e4n att hyra, i och med r\u00e4nteh\u00f6jningarna. Nyheten gick som en sensationsrubrik i media. Men vad betyder det egentligen i praktiken, och borde du \u00e4ndra ditt s\u00e4tt att t\u00e4nka kring bostadsk\u00f6p? <\/p>\n

L\u00e5t oss titta lite n\u00e4rmare p\u00e5 saken.<\/p>\n

Var kommer j\u00e4mf\u00f6relsen egentligen ifr\u00e5n?<\/h2>\n

Nordea har sitt syfte med pressmeddelandet, och det betyder inte att siffrorna \u00e4r felaktiga. Men i ber\u00e4kningarna j\u00e4mf\u00f6rs vanligtvis bol\u00e5nets m\u00e5nadsbelopp med hyran. H\u00e4r ligger problemet. <\/p>\n

Bol\u00e5nets m\u00e5nadsbelopp best\u00e5r av tv\u00e5 helt olika saker: r\u00e4nta och amortering. R\u00e4ntan \u00e4r en kostnad, ja. Men amorteringen \u00e4r inte en kostnad p\u00e5 samma s\u00e4tt. Det \u00e4r pengar du flyttar fr\u00e5n en ficka till en annan, fr\u00e5n skuld till din egen f\u00f6rm\u00f6genhet. <\/p>\n

Hyran d\u00e4remot \u00e4r en kostnad. Helt och h\u00e5llet. Varje m\u00e5nad. <\/p>\n

Marginell f\u00f6r\u00e4ndring i det stora hela<\/h2>\n

R\u00e4nteh\u00f6jningen har varit betydande och den har gjort bostadsk\u00f6p dyrare p\u00e5 kort sikt f\u00f6r m\u00e5nga. Det \u00e4r sant. Men det betyder inte att det \u00e4r ett d\u00e5ligt beslut att k\u00f6pa bostad. <\/p>\n

Hyressituationen har samtidigt utvecklats mots\u00e4gelsefullt. I m\u00e5nga omr\u00e5den finns det \u00f6verutbud p\u00e5 hyresbost\u00e4der, vilket har tryckt ner hyrorna eller h\u00e5llit dem p\u00e5 samma niv\u00e5. \u00c5 andra sidan m\u00f6ter bostadsinvesterare ett v\u00e4xande avgiftstryck, och de st\u00f6rsta hyresv\u00e4rdarna har redan tvingats h\u00f6ja sina hyror som en f\u00f6ljd av det. Upp\u00e5ttrycket finns d\u00e4r, \u00e4ven om det inte syns \u00f6verallt \u00e4nnu. <\/p>\n

Allts\u00e5 ser j\u00e4mf\u00f6relsen olika ut beroende p\u00e5 vilken tidpunkt och vilket omr\u00e5de den kopplas till.<\/p>\n

F\u00f6rm\u00f6genhetsuppbyggnad \u00e4r en annan sak \u00e4n kostnader<\/h2>\n

H\u00e4r \u00e4r det som verkligen \u00e4r v\u00e4rt att stanna upp vid.<\/p>\n

N\u00e4r du betalar hyra bygger du upp din hyresv\u00e4rds f\u00f6rm\u00f6genhet. Det \u00e4r ett enkelt faktum. N\u00e4r du betalar bol\u00e5n betalar du r\u00e4nta till banken, men samtidigt bygger du upp tillg\u00e5ngar \u00e5t dig sj\u00e4lv. <\/p>\n

P\u00e5 tio \u00e5rs sikt kan skillnaden vara betydande. S\u00e4rskilt om bostadens v\u00e4rde har stigit \u00e5tminstone n\u00e5gorlunda. Det betyder inte att en bostad alltid \u00e4r en b\u00e4ttre investering \u00e4n att hyra och investera n\u00e5gon annanstans. Men det \u00e4r en variabel som m\u00e5nga utel\u00e4mnar helt fr\u00e5n j\u00e4mf\u00f6relsen. <\/p>\n

F\u00f6r\u00e4ndrad inst\u00e4llning till bol\u00e5n<\/h2>\n

Vi har skrivit<\/a> tidigare om hur finl\u00e4ndarnas inst\u00e4llning till bol\u00e5n har f\u00f6r\u00e4ndrats. Idag ser 44 procent av m\u00e4nniskorna bol\u00e5n som en risk. F\u00f6rst\u00e5eligt, n\u00e4r man minns vad som h\u00e4nde med euribor 2022-2023. <\/p>\n

Risken \u00e4r verklig. Den ska inte underskattas. Men att hyra har ocks\u00e5 sina risker, som l\u00e4tt gl\u00f6ms bort i mediedebatten. Hyresv\u00e4rden kan s\u00e4ga upp avtalet. Hyran kan h\u00f6jas. Boendetryggheten \u00e4r annorlunda. <\/p>\n

B\u00e5da alternativen har sina egna risker. Det \u00e4r utg\u00e5ngspunkten man b\u00f6r ta, inte vilket m\u00e5nadsbelopp som just nu f\u00f6r tillf\u00e4llet \u00e4r lite dyrare. <\/p>\n

Vad ska man t\u00e4nka om det h\u00e4r?<\/h2>\n

Inget entydigt. Situationerna \u00e4r olika. Stad, livssituation, egen ekonomisk buffert och planerad boendetid p\u00e5verkar alla vilket alternativ som \u00e4r mer f\u00f6rnuftigt. <\/p>\n

Men det \u00e4r v\u00e4rt att vara noggrann med hur j\u00e4mf\u00f6relsen g\u00f6rs. M\u00e5nadsbeloppet ber\u00e4ttar inte hela historien. Och en rubrik som s\u00e4ger att det \u00e4r dyrare att \u00e4ga sin bostad \u00e4n att hyra ber\u00e4ttar en del av sanningen vid en viss tidpunkt, med ett visst ber\u00e4kningss\u00e4tt. <\/p>\n

Det betyder inte att det automatiskt \u00e4r mer f\u00f6rnuftigt f\u00f6r dig att hyra.<\/p>\n\n

\n

Funderar du p\u00e5 att k\u00f6pa en egen bostad?<\/h2>\n\n\n\n

Om du vill utv\u00e4rdera ditt \u00f6nskade objekt utan s\u00e4ljarnas intressen, hj\u00e4lper OUN\u00ae dig opartiskt<\/strong>. Vi f\u00e5r ingen provision p\u00e5 bostadsaff\u00e4rer. Vi arbetar f\u00f6r dig. <\/p>\n\n\n\n

OUN\u00ae l\u00e4ser dokumenten p\u00e5 platsen \u00e5t dig och levererar en l\u00e4ttf\u00f6rst\u00e5elig analys inom 24 timmar. Vi st\u00e5r till 100 % p\u00e5 din sida – vi s\u00e4ljer inte fastigheten till n\u00e5gon. <\/p>\n\n\n\n

\n
Best\u00e4ll en OUN\u00ae-analys<\/a><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Nordea publicerade nyligen ett pressmeddelande som s\u00e4ger att det har blivit dyrare att \u00e4ga sin bostad \u00e4n att hyra, i och med r\u00e4nteh\u00f6jningarna. Nyheten gick som en sensationsrubrik i media. Men vad betyder det egentligen i praktiken, och borde du \u00e4ndra ditt s\u00e4tt att t\u00e4nka kring bostadsk\u00f6p? L\u00e5t oss titta lite n\u00e4rmare p\u00e5 saken. Var 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Var…","_links":{"self":[{"href":"https:\/\/oun.fi\/sv\/wp-json\/wp\/v2\/posts\/2446","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/oun.fi\/sv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/oun.fi\/sv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/oun.fi\/sv\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/oun.fi\/sv\/wp-json\/wp\/v2\/comments?post=2446"}],"version-history":[{"count":2,"href":"https:\/\/oun.fi\/sv\/wp-json\/wp\/v2\/posts\/2446\/revisions"}],"predecessor-version":[{"id":2450,"href":"https:\/\/oun.fi\/sv\/wp-json\/wp\/v2\/posts\/2446\/revisions\/2450"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/oun.fi\/sv\/wp-json\/wp\/v2\/media\/2445"}],"wp:attachment":[{"href":"https:\/\/oun.fi\/sv\/wp-json\/wp\/v2\/media?parent=2446"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/oun.fi\/sv\/wp-json\/wp\/v2\/categories?post=2446"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/oun.fi\/sv\/wp-json\/wp\/v2\/tags?post=2446"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}