{"id":840,"date":"2008-09-11T18:49:53","date_gmt":"2008-09-11T18:49:53","guid":{"rendered":"http:\/\/xn--lne-ula.priv.no\/l%c3%a5nerente---10-prosent%3f\/"},"modified":"2018-09-09T23:09:52","modified_gmt":"2018-09-09T21:09:52","slug":"lanerente-10-prosent","status":"publish","type":"post","link":"https:\/\/www.webforumet.no\/finans\/lanerente-10-prosent\/","title":{"rendered":"l\u00e5nerente &#8211; 10 prosent?"},"content":{"rendered":"<p>Bank-kollapsene i USA og b\u00f8rsuroen verden over har for alvor forplantet seg til det norske boligl\u00e5nsmarkedet. Bankene betaler rekordmye for sine l\u00e5n, og regningen blir veltet over p\u00e5 deg og meg. Selv om de beste boligl\u00e5nsrentene ligger p\u00e5 rundt syv prosent, krever bankene en rentebuffer p\u00e5 tre prosent i tillegg.<br \/>\n&#8211; Hos oss m\u00e5 l\u00e5nekundene t\u00e5le en rente p\u00e5 10 prosent. Vi opererer med stor sikkerhetsmargin og har fokus p\u00e5 betalingsevnen, sier informasjonssjef i Skandiabanken, Johnny Anderson til VG.<br \/>\nOg nettbanken er ikke alene om \u00e5 v\u00e6re varsom. I g\u00e5r var VG ogs\u00e5 i kontakt med SpareBank 1 SR-Bank, Postbanken, Nordea, Storebrand, Fokus Bank og DnB NOR. Samtlige banker bekreftet at dagens l\u00e5nekunder m\u00e5 t\u00e5le rundt 10 prosent i rente.<br \/>\nLes ogs\u00e5: &#8211; Kan gi rentehopp<br \/>\nStor uro<br \/>\n&#8211; Det er et faktum det er stor uro i de internasjonale finansmarkedene og at pengemarkedsrenten er h\u00f8y n\u00e5. Den situasjonen f\u00e5r konsekvenser for norske boligl\u00e5nsstakere etter hvert, sier informasjonsdirekt\u00f8r i DnB NOR, Aud-Helen Rasmussen.<br \/>\nNorges Banks styringsrente blir blant annet p\u00e5virket av l\u00f8nnsutviklingen, folks generelle kj\u00f8pekraft og presset i \u00f8konomien.<br \/>\nI dagens situasjon er det prisen bankene m\u00e5 betale for \u00e5 l\u00e5ne inn penger, som avgj\u00f8r utl\u00e5nsrenten til kundene, mer enn styringsrenten til Norges Bank. I tillegg er det n\u00e5 et eget \u00abrisikotillegg\u00bb p\u00e5 rundt 1 prosent, fordi verdens\u00f8konomien er s\u00e5 ustabil.<br \/>\n&#8211; Pengemarkedsrenten ligger n\u00e5 0,75 prosentpoeng h\u00f8yere enn styringsrenten. Det er et halvt prosentpoeng h\u00f8yere enn vanlig, forklarer sjefanalytiker Erik Bruce i Nordea Markets.<br \/>\nRasmussen mener l\u00e5ntagerne gj\u00f8r lurt i \u00e5 forberede seg p\u00e5 h\u00f8yere rente, men henviser til en landsdekkende unders\u00f8kelse som skal vise at 8 av 10 nordmenn fremdeles har en rentebuffer p\u00e5 sine boligl\u00e5n.<br \/>\nIf\u00f8lge DnB NORs tall fra slutten av august, er \u00f8kningen i mislighold p\u00e5 noen f\u00e5 promille.<br \/>\n&#8211; Det demper v\u00e5r bekymring, understreker Rasmussen.<br \/>\n<strong>Renten g\u00e5r opp<\/strong><br \/>\nDe f\u00e6rreste tror selve boligrenten vil n\u00e5 10 prosent \u2013 et slikt renteniv\u00e5 vil v\u00e6re det h\u00f8yeste siden boligmarkedet totalkollapset og ledigheten f\u00f8k i v\u00e6ret tidlig p\u00e5 1990-tallet. Men flertallet mener det vil komme en eller flere mindre oppjusteringer f\u00f8r renten flater ut.<br \/>\n&#8211; Vi tror p\u00e5 \u00e9n eller h\u00f8yst to \u00f8kninger til i l\u00f8pet av h\u00f8sten. Deretter vil renten flate ut i ett til to \u00e5r, f\u00f8r den faller litt. Men vi kan ikke h\u00e5pe p\u00e5 3 prosent l\u00e5nerente igjen. Over de neste fem til femten \u00e5rene forventer vi at boligrenten vil ligge p\u00e5 mellom 6 og 6,5 prosent, sier informasjonssjef i Storebrand bank, Bj\u00f8rn Erik S\u00e6ttem.<br \/>\nMen det er ogs\u00e5 faktorer som kan tale mot en oppgang i boligrenten.<br \/>\n&#8211; Hvis Norges Bank ikke setter opp renten og den internasjonale situasjonen roer seg ned, er det ingen grunn til at l\u00e5nerenten skal stige, sier Oddvar Rettedal, banksjef i SpareBank 1 SR-Bank.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bank-kollapsene i USA og b\u00f8rsuroen verden over har for alvor forplantet seg til det norske boligl\u00e5nsmarkedet. Bankene betaler rekordmye for sine l\u00e5n, og regningen blir veltet over p\u00e5 deg og meg. Selv om de beste boligl\u00e5nsrentene ligger p\u00e5 rundt syv prosent, krever bankene en rentebuffer p\u00e5 tre prosent i tillegg. &#8211; Hos oss m\u00e5 l\u00e5nekundene [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[106],"tags":[],"class_list":["post-840","post","type-post","status-publish","format-standard","hentry","category-penger"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>l\u00e5nerente - 10 prosent? &#187; WF Finans<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.webforumet.no\/finans\/lanerente-10-prosent\/\" \/>\n<meta property=\"og:locale\" content=\"nb_NO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"l\u00e5nerente - 10 prosent? &#187; WF Finans\" \/>\n<meta property=\"og:description\" content=\"Bank-kollapsene i USA og b\u00f8rsuroen verden over har for alvor forplantet seg til det norske boligl\u00e5nsmarkedet. 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Selv om de beste boligl\u00e5nsrentene ligger p\u00e5 rundt syv prosent, krever bankene en rentebuffer p\u00e5 tre prosent i tillegg. &#8211; Hos oss m\u00e5 l\u00e5nekundene [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.webforumet.no\/finans\/lanerente-10-prosent\/\" \/>\n<meta property=\"og:site_name\" content=\"WF Finans\" \/>\n<meta property=\"article:published_time\" content=\"2008-09-11T18:49:53+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-09-09T21:09:52+00:00\" \/>\n<meta name=\"author\" content=\"admin3\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Skrevet av\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin3\" \/>\n\t<meta name=\"twitter:label2\" content=\"Ansl. lesetid\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutter\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/lanerente-10-prosent\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/lanerente-10-prosent\\\/\"},\"author\":{\"name\":\"admin3\",\"@id\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/#\\\/schema\\\/person\\\/772e8a24610a98ede823a0fdd3db11cf\"},\"headline\":\"l\u00e5nerente &#8211; 10 prosent?\",\"datePublished\":\"2008-09-11T18:49:53+00:00\",\"dateModified\":\"2018-09-09T21:09:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/lanerente-10-prosent\\\/\"},\"wordCount\":491,\"articleSection\":[\"Penger\"],\"inLanguage\":\"nb-NO\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/lanerente-10-prosent\\\/\",\"url\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/lanerente-10-prosent\\\/\",\"name\":\"l\u00e5nerente - 10 prosent? &#187; WF Finans\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/#website\"},\"datePublished\":\"2008-09-11T18:49:53+00:00\",\"dateModified\":\"2018-09-09T21:09:52+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/#\\\/schema\\\/person\\\/772e8a24610a98ede823a0fdd3db11cf\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/lanerente-10-prosent\\\/#breadcrumb\"},\"inLanguage\":\"nb-NO\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/lanerente-10-prosent\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/lanerente-10-prosent\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Hjem\",\"item\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"l\u00e5nerente &#8211; 10 prosent?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/#website\",\"url\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/\",\"name\":\"WF Finans\",\"description\":\"Finansnyheter\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"nb-NO\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/#\\\/schema\\\/person\\\/772e8a24610a98ede823a0fdd3db11cf\",\"name\":\"admin3\",\"url\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/author\\\/admin3\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"l\u00e5nerente - 10 prosent? &#187; WF Finans","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.webforumet.no\/finans\/lanerente-10-prosent\/","og_locale":"nb_NO","og_type":"article","og_title":"l\u00e5nerente - 10 prosent? &#187; WF Finans","og_description":"Bank-kollapsene i USA og b\u00f8rsuroen verden over har for alvor forplantet seg til det norske boligl\u00e5nsmarkedet. 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