När du köper hus eller bostadsrätt får banken bara ge dig ett lån som täcker 85 % av köpeskillingen. Detta är statliga regler gällande hypotekslån där bostaden används som säkerhet för lånat belopp. Anledningen till att man inte kan låna upp till 100 % av bostadens marknadsvärde är att det ska finnas en säkerhetsmarginal mellan säkerhetens värde och det lånade beloppet. Det går dock att låna till kontantinsats genom att ta ett så kallat topplån. Det är ett blancolån utan säkerhet. Eftersom banken saknar säkerhet är topplånet belagt med högre ränta än hypotekslånet (bottenlånet). Det är därför viktigt att ha en plan för att amortera av topplånet snabb om du väljer att låna till kontantinsatsen.
Med en snabb avbetalning av topplånet minskar du tiden banken tar ut den högre räntan. Strunta i att amortera av på bottenlånet så länge du har kvar ditt topplån. Bottenlånet som är belagt med lägre ränta kan du vänta med att amortera av på till dess att det dyrare topplånet är avbetalat. Där ser du. Det går bra att låna till kontantinsats och på så sätt fullbelåna sin nyköpta bostad.
Följande banker låter dig låna till kontantinsatsen:
Lär dig mer om kontantinsatslån och jämför långivare:
Dåligt att låna till kontantinsatsen?
Huruvida det är bra eller dåligt att låna till kontantinsatsen beror lite på din ekonomiska situation samt var du köper bostad. Om du har råd att betala kontantinsatsen med egna sparade pengar är det såklart att föredra. Då slipper du den högre räntan som topplånet innebär. Om du däremot inte har pengar till de 15 % av bostadens marknadsvärde som utgör kontantinsatsen så har du inte många val utöver att ta ett lån. Ett alternativ kan vara att låna pengar av sina föräldrar. Antingen kan de lösa kontantinsatsen kontant åt dig, eller så har de själva en bostad de kan belåna ytterligare. Om deras hus eller lägenhet är fullt eller delvis avbetald kan det finnas tillräckligt utrymme att öka på bottenlånet. Dessa pengar kan sedan användas för att fullbelåna din nya bostad med samma lägre ränta som du har på ditt bottenlån.
Det är inte dåligt att låna till kontantinsats, men du bör noga räkna på de ökade kostnader det kan innebära. Se till att ha en god marginal för att ha utrymme för stigande bolåneräntor i framtiden.
@Sam I know what your saying there . In the current economy its difficult to find a career that pays good and is stable . I have found that if you just work hard and are consistent you can go places . Look at the poster of this page , they are clearly hard working and have just been consistent over time and are now enjoying at least what would appear as somewhat of a success. I would encourage everyone to just keep hustling and moving forward.
testament druce breadcrumb mews scarpa whimper thaniel dossett cupric
You made various good points there. I did a search on the matter and found mainly folks will go along with with your blog.
It’s laborious to search out educated people on this subject, but you sound like you already know what you’re speaking about! Thanks
Thanks for your blog, nice to read. Do not stop.
Good ranking of https://casino-affiliate-programs-review.com/ casino and sports betting affiliate programs, Super affiliate programs only with us, review, rating
Great online game https://LightningRoulette-slot.com/ where you can make money, buy yourself a new phone or a car, close the mortgage on your apartment and only one month, quick to register and win.
Great online game https://Reactoonzz.com/ where you can make money, buy yourself a new phone or a car, close the mortgage on your apartment and only one month, quick to register and win.
Good ranking of https://allcasinoaffiliateprograms.com/ casino and sports betting affiliate programs, Super affiliate programs only with us, review, rating
Great online game https://moonprincess-play.com/ where you can make money, buy yourself a new phone or a car, close the mortgage on your apartment and only one month, quick to register and win.
Great online game https://legacy-of-dead-online.com/ where you can make money, buy yourself a new phone or a car, close the mortgage on your apartment and only one month, quick to register and win.
Good ranking of https://casino-aff-programs.com/ casino and sports betting affiliate programs, Super affiliate programs only with us, review, rating
Good ranking of https://topcasino-affiliateprograms.com/ casino and sports betting affiliate programs, Super affiliate programs only with us, review, rating
Good ranking of https://top-gambling-affiliate-programs.com/ casino and sports betting affiliate programs, Super affiliate programs only with us, review, rating
Good ranking of https://gambling-affiliateprograms.com/ casino and sports betting affiliate programs, Super affiliate programs only with us, review, rating
Great online game https://GatesofOlympus-slotgame.com/ where you can make money, buy yourself a new phone or a car, close the mortgage on your apartment and only one month, quick to register and win.
Good ranking of https://top-gambling-programs.com/ casino and sports betting affiliate programs, Super affiliate programs only with us, review, rating
Great online game https://starburst-slotgame.com/ where you can make money, buy yourself a new phone or a car, close the mortgage on your apartment and only one month, quick to register and win.
Wow, marvelous blog structure! How long have you been blogging for?
you make blogging glance easy. The overall look of your site is
fantastic, let alone the content material! You can see similar
here sklep internetowy
It’s fantastic that you are getting ideas from this post as
well as from our discussion made at this place. I saw similar here: Sklep
Hi there! Someone in my Facebook group shared this website with us so I
came to give it a look. I’m definitely enjoying the information. I’m bookmarking and will be tweeting this to my followers!
Wonderful blog and brilliant style and design.
Generally I do not read post on blogs, but I would like to
say that this write-up very pressured me to take a look
at and do it! Your writing style has been amazed me.
Thanks, very nice post.
I delight in, result in I discovered just what I was having a look for.
You’ve ended my 4 day lengthy hunt! God Bless you man. Have a nice day.
Bye
I’ve learn a few excellent stuff here. Certainly worth bookmarking for revisiting.
I wonder how much effort you set to make this kind of magnificent informative web site.
What’s up, all the time i used to check web site posts here in the early hours in the dawn, since i love
to learn more and more.
Thanks in favor of sharing such a good thought, piece of writing is
fastidious, thats why i have read it entirely
Hi there! I could have sworn I’ve visited this site before but after going through some of the articles I realized it’s new
to me. Anyhow, I’m definitely pleased I found it
and I’ll be bookmarking it and checking back frequently!
Pretty portion of content. I simply stumbled upon your blog and in accession capital
to assert that I acquire actually enjoyed account your
blog posts. Anyway I will be subscribing for your
augment and even I fulfillment you access persistently fast.
Appreciating the persistence you put into your site and in depth information you
present. It’s good to come across a blog every once in a while
that isn’t the same out of date rehashed material.
Fantastic read! I’ve bookmarked your site and I’m adding
your RSS feeds to my Google account. I saw similar here:
Dobry sklep
Hi there, its good post concerning media print, we all be familiar with media is
a fantastic source of data.
I seriously love your blog.. Great colors &
theme. Did you make this website yourself? Please reply back as I’m attempting to
create my own blog and want to find out where you got
this from or exactly what the theme is named. Thanks!
Hey! Do you know if they make any plugins to
help with SEO? I’m trying to get my blog to rank for some targeted keywords but
I’m not seeing very good success. If you know of any please share.
Thank you! You can read similar art here: Najlepszy sklep
I’m gone to convey my little brother, that he should also pay
a visit this website on regular basis to get updated from most recent information.
It’s enormous that you are getting ideas from this
post as well as from our dialogue made at this time.
Thank you for the good writeup. It in reality was once a amusement account it.
Glance complex to more added agreeable from you! However, how can we keep in touch?
Hello, yeah this post is actually good and I have learned lot
of things from it about blogging. thanks.
Hello! Do you use Twitter? I’d like to follow you if that would be ok.
I’m absolutely enjoying your blog and look forward to new posts.
Heya i am for the first time here. I found this board and I in finding It truly helpful & it helped
me out a lot. I hope to present one thing back and aid others like you
helped me.
Hi! Do you know if they make any plugins to help with SEO?
I’m trying to get my blog to rank for some targeted keywords but I’m not seeing
very good results. If you know of any please share. Appreciate it!
You can read similar text here: Najlepszy sklep
Hello! Do you know if they make any plugins to assist with Search Engine Optimization? I’m trying to get my site to
rank for some targeted keywords but I’m not
seeing very good results. If you know of any please share.
Many thanks! I saw similar article here: GSA Verified List
Hi there! Do you know if they make any plugins to help with SEO?
I’m trying to get my website to rank for some targeted keywords but I’m not
seeing very good success. If you know of any please share.
Thanks! You can read similar blog here: Auto Approve List
I really like your blog.. very nice colors & theme.
Did you create this website yourself or did you hire someone to do
it for you? Plz answer back as I’m looking to create my own blog and would
like to find out where u got this from. cheers
Ridiculous quest there. What occurred after? Thanks!
Hello! Do you know if they make any plugins
to help with Search Engine Optimization? I’m trying to
get my website to rank for some targeted keywords but I’m
not seeing very good results. If you know of any please share.
Cheers! You can read similar art here: Backlink Portfolio
hey there and thank you for your information – I’ve definitely picked up anything new from right here.
I did however expertise several technical issues using this website,
as I experienced to reload the web site many times previous
to I could get it to load correctly. I had been wondering if your web hosting is OK?
Not that I am complaining, but sluggish loading instances times will often affect your placement in google and could damage your high-quality score if ads and marketing with Adwords.
Well I’m adding this RSS to my e-mail and can look out for much more of
your respective exciting content. Ensure that you update this again very soon.
Hi, just wanted to say, I enjoyed this post. It was practical.
Keep on posting!
It’s a shame you don’t have a donate button! I’d definitely donate to this
fantastic blog! I guess for now i’ll settle for book-marking and adding your
RSS feed to my Google account. I look forward to brand new
updates and will talk about this website with my Facebook group.
Talk soon!
Hello outstanding blog! Does running a blog similar to this take a great deal of work?
I have no knowledge of programming however I had been hoping to start my own blog in the near future.
Anyhow, if you have any ideas or techniques for new blog owners please share.
I understand this is off subject but I simply wanted to ask.
Appreciate it!
Simply wish to say your article is as astounding. The clarity
to your post is simply spectacular and i can think you’re
knowledgeable on this subject. Fine with your permission let me to
snatch your RSS feed to keep updated with drawing close post.
Thanks a million and please continue the gratifying
work.
Hey! Do you know if they make any plugins to protect against
hackers? I’m kinda paranoid about losing everything I’ve worked hard on. Any tips?
I’m not that much of a internet reader to be
honest but your sites really nice, keep it up! I’ll go ahead and bookmark
your site to come back in the future. Cheers
I visit daily a few web sites and information sites to read posts, but this blog provides quality based posts.
I was recommended this website by my cousin. I’m not sure
whether this post is written by him as nobody else know such detailed about
my trouble. You’re incredible! Thanks!
Wonderful work! That is the kind of information that
are meant to be shared around the web. Shame on Google for no longer positioning this post higher!
Come on over and consult with my site . Thank you =)
Wow, this paragraph is fastidious, my sister is analyzing these kinds of
things, therefore I am going to inform her.
Your style is really unique in comparison to other people I have read stuff from.
Thank you for posting when you’ve got the opportunity, Guess I will just book mark this blog.
Hi, I read your blogs on a regular basis.
Your story-telling style is awesome, keep it up!
Heya i am for the first time here. I found this board and
I find It truly useful & it helped me out a lot. I hope
to give something back and aid others like you aided me.
Hello, I think your blog might be having browser compatibility issues.
When I look at your website in Safari, it looks fine but
when opening in Internet Explorer, it has some overlapping.
I just wanted to give you a quick heads up! Other then that, amazing blog!
I have been browsing online more than 2 hours today,
yet I never found any interesting article like yours.
It is pretty worth enough for me. Personally, if all web owners and bloggers made
good content as you did, the web will be a lot more useful than ever before.
Howdy! This blog post could not be written much better!
Reading through this post reminds me of my previous roommate!
He constantly kept preaching about this.
I am going to send this article to him. Pretty sure he’s going to have a good read.
Thanks for sharing!
Wow, amazing weblog format! How long have you been blogging for?
you make running a blog glance easy. The
overall look of your site is great, let alone the content!
You can see similar here sklep online
Howdy! I know this is somewhat off topic but I was wondering if
you knew where I could locate a captcha plugin for my comment form?
I’m using the same blog platform as yours and I’m having trouble finding one?
Thanks a lot!
Usually I don’t read post on blogs, however I wish to say that this write-up very pressured me to take a
look at and do so! Your writing taste has been amazed me.
Thanks, very nice post.
Hi there, I check your new stuff daily. Your story-telling
style is witty, keep doing what you’re doing!
This is a good tip particularly to those fresh to the blogosphere.
Brief but very precise info… Appreciate your sharing this one.
A must read post!
Fabulous, what a webpage it is! This webpage provides
useful information to us, keep it up.
Link exchange is nothing else but it is simply placing
the other person’s webpage link on your page at suitable place and other person will also do same
for you.
Right here is the right website for anybody who really wants to find
out about this topic. You understand a whole lot its almost tough to argue with you (not that I actually would want
to…HaHa). You certainly put a new spin on a subject that’s been written about for many years.
Great stuff, just wonderful!
I was curious if you ever considered changing the
structure of your site? Its very well written; I love what youve got to say.
But maybe you could a little more in the way of content so people
could connect with it better. Youve got an awful lot of text for only having 1 or two images.
Maybe you could space it out better?
I have been exploring for a little for any high quality
articles or blog posts on this kind of space .
Exploring in Yahoo I ultimately stumbled upon this site.
Studying this info So i am satisfied to express that I have a very good uncanny feeling I found out
just what I needed. I such a lot definitely will make certain to do not
overlook this website and give it a glance on a continuing basis.
Wow that was unusual. I just wrote an really long comment but after I clicked
submit my comment didn’t show up. Grrrr… well I’m not writing
all that over again. Anyhow, just wanted to say superb blog!
This text is priceless. Where can I find out more?
Oh my goodness! Impressive article dude! Thank you so
much, However I am going through problems with your RSS. I don’t understand the reason why I can’t join it.
Is there anybody else getting the same RSS issues? Anyone that
knows the solution can you kindly respond? Thanx!!
I really like it when folks come together and share opinions.
Great blog, keep it up!
I have been exploring for a bit for any high quality articles or blog posts in this kind
of house . Exploring in Yahoo I ultimately stumbled
upon this site. Reading this info So i am satisfied to convey that I have
an incredibly good uncanny feeling I came upon just what I needed.
I so much unquestionably will make sure to do not overlook this web
site and give it a look regularly.
Very quickly this site will be famous amid all blogging and site-building
viewers, due to it’s fastidious content
It’s going to be ending of mine day, except before
finish I am reading this fantastic post to increase my know-how.
I seriously love your website.. Great colors & theme. Did you create this web site yourself?
Please reply back as I’m attempting to create my
very own blog and want to find out where you got this from or just what the theme is
called. Thank you!
Definitely imagine that that you stated. Your favorite justification seemed to be on the internet
the simplest thing to take into accout of. I say to you, I certainly get annoyed at the same time as people think about issues that they just don’t recognize about.
You managed to hit the nail upon the top and outlined out the
whole thing without having side effect , other folks could take a signal.
Will probably be back to get more. Thanks
Having read this I believed it was rather informative. I appreciate you taking the time and effort to
put this article together. I once again find myself spending way too much time both reading and leaving comments.
But so what, it was still worthwhile!
It’s a shame you don’t have a donate button! I’d certainly donate to this brilliant blog!
I suppose for now i’ll settle for book-marking and adding your RSS feed to my Google account.
I look forward to fresh updates and will talk about
this site with my Facebook group. Talk soon!
It’s wonderful that you are getting thoughts from this paragraph as well as from our argument made at this
time.
I appreciate, result in I found just what I was having
a look for. You have ended my four day lengthy hunt!
God Bless you man. Have a great day. Bye
Very good post. I will be dealing with many
of these issues as well..
You’ve made some really good points there. I checked on the web for
more info about the issue and found most people will go along with your views on this site.
batmanapollo.ru
Hey there just wanted to give you a quick heads up.
The text in your post seem to be running off
the screen in Chrome. I’m not sure if this is a format issue or something
to do with internet browser compatibility but I thought I’d post to let you
know. The layout look great though! Hope you get the problem resolved soon. Thanks
I like reading through an article that can make people think.
Also, thanks for permitting me to comment!
Greetings from Ohio! I’m bored to death at work so I decided to browse your site on my iphone during lunch break.
I really like the information you provide here and can’t wait to take a look when I get home.
I’m amazed at how quick your blog loaded on my cell phone ..
I’m not even using WIFI, just 3G .. Anyhow, amazing blog!
Hi, this weekend is pleasant in favor of me, as this occasion i am reading this fantastic
educational piece of writing here at my residence.
Contraria sunt complementa — Противоположности дополняют друг друга.
Ad extra — До крайней степени.
Good way of explaining, and fastidious article to get information regarding my presentation topic,
which i am going to deliver in university.
Ad gloriam — Во славу.
Artificiosa natura — Творческая природа.
Alia tempora — Другие времена
Ad usum proprium — Для собственного употребления.
Consumor aliis inserviendo — Изнуряю себя, работая на благо других.
Министерство неджентльменских дел
Прямая трансляция: Александр Усик – Тайсон Фьюри
Усик – Фьюри: смотреть онлайн-трансляцию церемонии
Усик Фьюри – смотреть онлайн
Александр Усик – Тайсон Фьюри. Смотреть онлайн
You really make it seem really easy along with your presentation but I find this topic
to be really something which I think I’d by no means understand.
It sort of feels too complicated and very large for me.
I’m looking forward on your subsequent post, I’ll attempt to
get the grasp of it!
Attractive section of content. I just stumbled upon your web site and in accession capital to assert that I get
in fact enjoyed account your blog posts. Any way I’ll be subscribing to your augment and
even I achievement you access consistently fast.
When I originally commented I clicked the ”Notify me when new comments are added” checkbox and now each time a comment is added
I get three emails with the same comment. Is there any way
you can remove people from that service? Thanks a lot!
Фуриоса: Хроники Безумного Макса
Тут психолог
Психология
Тут психолог
Психотерапевт
I for all time emailed this blog post page to all my friends, as
if like to read it next my friends will too.
This piece of writing is really a pleasant one it assists new internet viewers, who are
wishing for blogging.
Принципы структурной типологии и лучшие обзоры по психиатрии.
Veni, vidi, vici
hi, thanks!: abacus market
fantastic post, very informative. I ponder why the other specialists of this sector don’t realize this.
You should continue your writing. I’m sure, you’ve a huge readers’ base already!
Hello terrific website! Does running a blog such as this take a large amount
of work? I have absolutely no expertise in programming but I had been hoping to start
my own blog soon. Anyway, if you have any ideas
or tips for new blog owners please share.
I understand this is off topic however I just had to ask.
Thank you!
It’s perfect time to make some plans for the future and
it’s time to be happy. I’ve read this post and if I could I wish to
suggest you some interesting things or tips. Maybe you can write next articles referring
to this article. I desire to read more things about it!
Cogito ergo sum