{"id":866,"date":"2008-09-18T23:07:40","date_gmt":"2008-09-18T23:07:40","guid":{"rendered":"http:\/\/xn--lne-ula.priv.no\/bind-renten-p%c3%a5-l%c3%a5net-ditt\/"},"modified":"2018-09-09T23:09:50","modified_gmt":"2018-09-09T21:09:50","slug":"bind-renten-pa-lanet-ditt","status":"publish","type":"post","link":"https:\/\/www.webforumet.no\/finans\/bind-renten-pa-lanet-ditt\/","title":{"rendered":"Bind renten p\u00e5 l\u00e5net ditt"},"content":{"rendered":"<p><strong>Bind renten p\u00e5 l\u00e5net ditt<\/strong><br \/>\nFlere banker tilbyr n\u00e5 en effektiv rente p\u00e5 6,5 prosent for l\u00e5n med fem \u00e5rs rentebinding. Ti\u00e5rsrenter er noe lavere, mens tre\u00e5rsrenter er noe h\u00f8yere. Mange kan alts\u00e5 senke renten med mer enn ett prosentpoeng ved \u00e5 inng\u00e5 avtale om fastrente. I s\u00e5 fall vil de m\u00e5nedlige utgiftene bli redusert med 600 kroner f\u00f8r skatt, rundt regnet. Samtidig vil du f\u00e5 full visshet om renter og avdrag i den perioden renten er bundet for.<br \/>\nHvis du klarer deg fint med 6,5 prosent rente, men sliter med 7,5 prosent, er det bare \u00e5 f\u00e5 bundet renten s\u00e5 fort som mulig.<br \/>\nMen vil det l\u00f8nne seg? Det vet du ikke f\u00f8r langt inn i bindingstiden. Det er alminnelig \u00e5 anta at man i det lange l\u00f8p m\u00e5 betale en forsikringspremie for fastrente, men det er aldri blitt tallfestet hva denne premien eventuelt er i Norge. Og det lange l\u00f8p er lenger enn fem eller ti \u00e5r. For s\u00e5 korte perioder vil tilfeldighetene avgj\u00f8re hva som l\u00f8nner seg.<br \/>\nHvis finanskrisen vedvarer, eller Norges Bank ikke f\u00e5r bukt med inflasjonen, kan det vise seg veldig l\u00f8nnsomt \u00e5 binde renten n\u00e5. Hvis derimot finanskrisen bl\u00e5ser fort over og inflasjonen kollapser, kan de med fastrente bli sittende med skjegget i postkassen.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bind renten p\u00e5 l\u00e5net ditt Flere banker tilbyr n\u00e5 en effektiv rente p\u00e5 6,5 prosent for l\u00e5n med fem \u00e5rs rentebinding. Ti\u00e5rsrenter er noe lavere, mens tre\u00e5rsrenter er noe h\u00f8yere. Mange kan alts\u00e5 senke renten med mer enn ett prosentpoeng ved \u00e5 inng\u00e5 avtale om fastrente. I s\u00e5 fall vil de m\u00e5nedlige utgiftene bli redusert [&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":[21],"tags":[],"class_list":["post-866","post","type-post","status-publish","format-standard","hentry","category-renter"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bind renten p\u00e5 l\u00e5net ditt &#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\/bind-renten-pa-lanet-ditt\/\" \/>\n<meta property=\"og:locale\" content=\"nb_NO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bind renten p\u00e5 l\u00e5net ditt &#187; WF Finans\" \/>\n<meta property=\"og:description\" content=\"Bind renten p\u00e5 l\u00e5net ditt Flere banker tilbyr n\u00e5 en effektiv rente p\u00e5 6,5 prosent for l\u00e5n med fem \u00e5rs rentebinding. Ti\u00e5rsrenter er noe lavere, mens tre\u00e5rsrenter er noe h\u00f8yere. Mange kan alts\u00e5 senke renten med mer enn ett prosentpoeng ved \u00e5 inng\u00e5 avtale om fastrente. 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