{"id":73347,"date":"2024-07-12T16:31:12","date_gmt":"2024-07-12T14:31:12","guid":{"rendered":"https:\/\/lightweb.dev\/l\/svm-temp\/?p=73347"},"modified":"2024-07-12T16:31:12","modified_gmt":"2024-07-12T14:31:12","slug":"allt-farre-tar-bolan-i-spanien","status":"publish","type":"post","link":"https:\/\/lightweb.dev\/l\/svm-temp\/nyheter\/allt-farre-tar-bolan-i-spanien\/","title":{"rendered":"Allt f\u00e4rre tar bol\u00e5n i Spanien"},"content":{"rendered":"

Framf\u00f6rallt unga spanjorer f\u00e5r sv\u00e5rare och sv\u00e5rare att k\u00f6pa en egen bostad.<\/strong><\/p>\n

Spanjorerna tar ut f\u00e4rre bol\u00e5n. Det inneb\u00e4r att den totala l\u00e5neskulden hos befolkningen v\u00e4xer l\u00e5ngsammare men ocks\u00e5 att befolkningen tappar i fastighetstillg\u00e5ngar. Detta kan g\u00f6ra inv\u00e5narna mer ekonomiskt s\u00e5rbara p\u00e5 l\u00e5ng sikt, varnar Banco de Espa\u00f1a.\u00a0<\/span><\/p>\n

De pekar ocks\u00e5 p\u00e5 att gapet mellan \u00e4ldre och yngre m\u00e4nniskor som \u00e4ger sin egen bostad v\u00e4xer allt st\u00f6rre. N\u00e5got som g\u00f6r att den yngre befolkningen f\u00e5r allt sv\u00e5rare att bli sj\u00e4lvst\u00e4ndiga.\u00a0<\/span><\/p>\n

Andelen av befolkningen som har ett bostadsl\u00e5n har varit i stort sett stabil sedan 2014 och legat runt 28 procent. Men den varierar mycket mellan \u00e5ldrarna och sjunker i anm\u00e4rkningsv\u00e4rd takt bland de yngre, enligt bankens senaste rapport.\u00a0<\/span><\/p>\n

2022 hade 40 procent av de under 45 \u00e5rs \u00e5lder ett bol\u00e5n. Det \u00e4r hela 10 procentenheter l\u00e4gre \u00e4n i slutet av 2010-talet n\u00e4r siffran l\u00e5g p\u00e5 50 procent. Om man tittar p\u00e5 de under 35 \u00e4r det \u00e4nnu st\u00f6rre skillnad. F\u00f6r cirka 15 \u00e5r sedan hade 45 procent ett bol\u00e5n medan de idag knappt kommer \u00f6ver 20 procent.\u00a0<\/span><\/p>\n

Fler sparar<\/span><\/h2>\n

Situationen har blivit v\u00e4rre under de senaste \u00e5ren d\u00e5 Europeiska Centralbanken har h\u00f6jt r\u00e4ntorna och gjort l\u00e5nen dyrare. B\u00e5de p\u00e5 nya l\u00e5n och gamla med r\u00f6rlig r\u00e4nta. N\u00e4r det g\u00e4ller de senare menar dock banken att framtiden ser ljusare ut p\u00e5 grund av att Euribor har sjunkit. De f\u00f6rutser att 50 procent av alla bol\u00e5n kopplade till Euribor kommer att bli billigare under \u00e5ret.\u00a0<\/span><\/p>\n

Enligt Banco de Espa\u00f1a kan man dock se att folk sparar mer pengar idag. N\u00e5got som de menar beror p\u00e5 att l\u00f6nerna \u00f6kar och att folk konsumerar mindre. Idag ligger sparandegraden p\u00e5 14,2 procent vilket \u00e4r h\u00f6gre \u00e4n det historiska genomsnittet.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Framf\u00f6rallt unga spanjorer f\u00e5r sv\u00e5rare och sv\u00e5rare att k\u00f6pa en egen bostad.<\/p>\n","protected":false},"author":14,"featured_media":17116,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[351,3],"tags":[],"class_list":["post-73347","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi-nyheter","category-nyheter"],"yoast_head":"\nAllt f\u00e4rre tar bol\u00e5n i Spanien - Svenska Magasinet<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Allt f\u00e4rre tar bol\u00e5n i Spanien\" \/>\n<meta property=\"og:description\" content=\"Framf\u00f6rallt unga spanjorer f\u00e5r sv\u00e5rare och sv\u00e5rare att k\u00f6pa en egen bostad.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lightweb.dev\/l\/svm-temp\/artiklar\/ekonomi\/allt-farre-tar-bolan-i-spanien\/\" \/>\n<meta property=\"og:site_name\" content=\"Svenska Magasinet\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/svenskamagasinet\" \/>\n<meta property=\"article:published_time\" content=\"2024-07-12T14:31:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/lightweb.dev\/l\/svm-temp\/wp-content\/uploads\/2022\/06\/bolanen-okar-i-spanien.png\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Robbie Eriksson\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@SvenskaMagasine\" \/>\n<meta name=\"twitter:site\" content=\"@SvenskaMagasine\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/lightweb.dev\\\/l\\\/svm-temp\\\/artiklar\\\/ekonomi\\\/allt-farre-tar-bolan-i-spanien\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/lightweb.dev\\\/l\\\/svm-temp\\\/artiklar\\\/ekonomi\\\/allt-farre-tar-bolan-i-spanien\\\/\"},\"author\":{\"name\":\"Robbie Eriksson\",\"@id\":\"https:\\\/\\\/lightweb.dev\\\/l\\\/svm-temp\\\/#\\\/schema\\\/person\\\/caffe038990d25722f5a04a03c906a2b\"},\"headline\":\"Allt f\u00e4rre tar bol\u00e5n i Spanien\",\"datePublished\":\"2024-07-12T14:31:12+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/lightweb.dev\\\/l\\\/svm-temp\\\/artiklar\\\/ekonomi\\\/allt-farre-tar-bolan-i-spanien\\\/\"},\"wordCount\":331,\"publisher\":{\"@id\":\"https:\\\/\\\/lightweb.dev\\\/l\\\/svm-temp\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/lightweb.dev\\\/l\\\/svm-temp\\\/artiklar\\\/ekonomi\\\/allt-farre-tar-bolan-i-spanien\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/lightweb.dev\\\/l\\\/svm-temp\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/bolanen-okar-i-spanien.png\",\"articleSection\":[\"Ekonomi\",\"Nyheter\"],\"inLanguage\":\"sv-SE\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/lightweb.dev\\\/l\\\/svm-temp\\\/artiklar\\\/ekonomi\\\/allt-farre-tar-bolan-i-spanien\\\/\",\"url\":\"https:\\\/\\\/lightweb.dev\\\/l\\\/svm-temp\\\/artiklar\\\/ekonomi\\\/allt-farre-tar-bolan-i-spanien\\\/\",\"name\":\"Allt f\u00e4rre tar bol\u00e5n i Spanien - 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