Direktlänk till inlägg 11 januari 2011

Amortera på lånen och sätt fart på bostadsbyggandet

Av Natasha Koppert - 11 januari 2011 00:18

Folkpartiet föreslår sänkta ränteavdrag på bostadslån för att stävja den expansiva utlåningen. I ett första steg skulle avdraget sänkas från dagens 30 procent till 25 procent. Innan vi kommer till invändningarna mot FP-förslaget ska det sägas att det är bra att politikerna – äntligen – börjar få upp ögonen för riskerna med en bostadsbubbla.

Runt om i vår omvärld har bostadsmarknader fallit ihop som korthus sedan hushållens betalningsförmåga försvagats. Anledningen till den kris som brakade loss hösten 2008 var de amerikanska bankernas supergenerösa lånevillkor. Mindre kreditvärdiga låntagare erbjöds så kallade subprimelån där tanken var att bostaden skulle öka i värde och därmed skulle banken och låntagaren säkra sin investering. Men som alla vet kan inte priserna stiga hur mycket som helst.

Någon motsvarighet till de aggressiva subprimelånen finns inte i Sverige, däremot har det under lång tid varit möjligt att låna till hela eller nästan hela köpesumman. Det gör att många hushåll sett sina marginaler krympa, särskilt i ett läge när räntorna börjar vända uppåt. Där befinner vi oss i dag. Förra året infördes ett bolånetak som innebär att bolånekunder får låna upp till högst 85 procent av bostadens värde. Förändringen har haft en dämpande effekt, men än är det för tidigt att ropa hej.

Problemet med sänkta ränteavdrag är att de slår blint mot hushållen, inklusive de med minst marginaler. Bättre då att överväga ett formellt amorteringstvång på de högsta belåningsgraderna. Sedan är det förstås hög tid att politikerna ser till att få fart på bostadsbyggandet.

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Av Natasha Koppert - 11 januari 2011 00:20

Ett år hakar i nästa och ingenting tyder på att innevarande år kommer att skilja sig nämnvärt från det som precis lagts till handlingarna. Flera kommuner kommer att fortsätta kämpa med sina ansträngda ekonomier, ett problem som i grunden handlar om a...

Av Natasha Koppert - 11 januari 2011 00:19

Svensk flyktingpolitik ger inga bra vibrationer. För det första är det numera snudd på omöjligt att höra en makthavare i ansvarig ställning uttrycka något som ens kan liknas vid ett politiskt eller, ännu mindre, moraliskt ansvarstagande för asylproce...

Av Natasha Koppert - 11 januari 2011 00:17

Allt fler ägnar sig åt volontärarbete, rapporterar TT. T ydligen har det blivit populärt inom företagsledningar att låta sina anställda syssla med ideella insatser på arbetstid. Coca Cola har till exempel låtit sina 700 anställda arbeta en dag på Frä...

Av Natasha Koppert - 11 januari 2011 00:15

Få bestrider att klimatförändringarna både kan orsaka och förvärra naturkatastrofer. Kraftigare monsunregn, uttorkade jordar och överbefolkade flodbäddar är en farlig mix. En del forskare ser också samband mellan klimatförändringen och de senaste åre...

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