Direktlänk till inlägg 14 januari 2011

Medelålders chansar med bolån

Av Maria Koller - 14 januari 2011 07:39

Medelålders tar större ränterisker än både yngre och äldre. Storstadsbor väljer oftare korta bindningstider för sina bolån än i övriga landet.

Däremot påverkas inte valet av bindningstid särskilt mycket av om man bor i småhus eller i bostadsrätt, enligt en studie som bolåneföretaget SBAB gjort.

Riksbankens höjningar av styrräntan och förväntningar om fler höjningar har dock bidragit till att andelen bolån med den kortaste bindningstiden tre månader har fallit från 89 till 79 procent.

– Den största förklaringen till skillnaderna mellan åldersgrupperna hör nog ihop med livscykeln. I de mest yrkesaktiva åren är inkomsterna i allmänhet högre och man är mer riskbenägen, säger Tomas Pousette, chefsekonom på SBAB och en av de ansvariga för rapporten.

Sett över en längre tidsperiod har tremånadersränta varit mest lönsamt för de flesta. En jämförelse sedan 1997 mellan bunden femårig boränta och tremånadersräntan under löpande femårsperioder visar att under 99 procent av tiden har tremånadersräntan varit det bästa alternativet.

– Men man har inte facit i hand när man fattar beslutet. Jag tycker det är roligt att de yngre, som kanske har sitt första egna boende, är försiktiga, säger Pousette.

I fjol minskade skillnaden mellan långa och korta boräntor vilket ledde till att lånen med den kortaste bindningstiden minskade med ungefär 10 procentenheter för alla åldrar, boendeformer och regioner. Men SBAB tror att den utvecklingen nu kommer att stanna upp.

– Vi tror att i år kommer långa boräntor att stiga mer än korta och då kommer intresset att öka igen för den kortaste bindningstiden. Men tillbaka till toppnivån 2009 kommer vi inte, säger Pousette.

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