{"id":33310,"date":"2018-05-29T14:19:36","date_gmt":"2018-05-29T12:19:36","guid":{"rendered":"https:\/\/www.nordnet.no\/blogg\/?p=33310"},"modified":"2026-03-11T17:56:34","modified_gmt":"2026-03-11T16:56:34","slug":"pengepodden-sparing-slik-sparer-unge-seg-inn-i-boligmarkedet","status":"publish","type":"post","link":"https:\/\/www.nordnet.no\/blogg\/pengepodden-sparing-slik-sparer-unge-seg-inn-i-boligmarkedet\/","title":{"rendered":"#pengepodden sparing \u2013 Slik sparer unge seg inn i boligmarkedet"},"content":{"rendered":"<p><iframe loading=\"lazy\" width=\"770\" height=\"400\" scrolling=\"no\" frameborder=\"no\" src=\"https:\/\/w.soundcloud.com\/player\/?visual=true&#038;url=https%3A%2F%2Fapi.soundcloud.com%2Ftracks%2F450691749&#038;show_artwork=true&#038;maxwidth=770&#038;maxheight=1000&#038;dnt=1\"><\/iframe><\/p>\n<p>V\u00e5r spare\u00f8konom Bj\u00f8rn Erik og Nordnet-Anders er tilbake i studio, og snakker om nordmenns sparefavoritt, nemlig bolig. Hele 8 av 10 nordmenn eier egen bolig, og ca 60 % av nordmenns formue er plassert i bolig og hytte. Samtidig er kun ca 5 % plassert i aksjer og privat fondssparing.<\/p>\n<p>Anders mener derfor at nordmenn har for d\u00e5rlig diversifisering i sparingen sin, men legger til at de gunstige skattereglene for bolig medf\u00f8rer at nordmenn opptrer rasjonelt n\u00e5r de har en tilt i fav\u00f8r av bolig.<\/p>\n<p>Et relevant sp\u00f8rsm\u00e5l mange unge stiller seg er: Skal jeg kj\u00f8pe bolig eller leie de neste \u00e5rene? Typisk gjelder dette studenter med \u201dfamiliebanken\u201d i ryggen \u2013 eller nyutdannede med god l\u00f8nn.<\/p>\n<p>Bj\u00f8rn Erik forklarer at en tommelfingerregel er at det normalt vil l\u00f8nne seg \u00e5 kj\u00f8pe bolig hvis du har minst 3 \u00e5rs sparehorisont. Han begrunner dette med de relativt h\u00f8ye transaksjonskostnadene p\u00e5 bolig \u2013 dokumentavgift p\u00e5 2,5 % p\u00e5 selveierboliger samt omtrent tilsvarende kostnader til megler ved salg. R\u00e5det forutsetter et flatt eller svakt stigende boligmarked. Faller boligprisene i perioden, vil det naturligvis l\u00f8nne seg \u00e5 leie. Du f\u00e5r ogs\u00e5 h\u00f8re mer om flere av de fordelene det f\u00f8rer med seg \u00e5 leie bolig, i denne episoden av #pengepodden sparing.<\/p>\n<h2>Hvor mye l\u00e5n kan du f\u00e5?<\/h2>\n<p>(fra 11:27) Den mye omtalte Boligl\u00e5nsforskriften diskuteres. Forskriften sier at kunden maksimalt kan l\u00e5ne 5 ganger inntekten &#8211; inklusive andre l\u00e5n. I tillegg m\u00e5 du ha minst 15 % i egenkapital.<\/p>\n<p>Mange er s\u00e5 heldige at de f\u00e5r \u00f8konomisk hjelp fra foreldre. Skal du spare egenkapitalen selv, m\u00e5 du v\u00e6re veldig disiplinert. For eksempel ved \u00e5 flytte hjem til foreldrene, og spare husleien. Og ta ekstrajobb \u2013 husk at frikortgrensen er 55.000 kroner, minner Bj\u00f8rn Erik om. H\u00f8r flere smarte sparetips fra Bj\u00f8rn Erik og Anders i denne episoden.<\/p>\n<p>H\u00f8r mer om boligl\u00e5nsforskriften i denne #pengepodden-episoden: <a href=\"https:\/\/blogg.nordnet.no\/boligpriser-og-okonomiske-utsikter\/\" rel=\"noopener\">Boligpriser og \u00f8konomiske utsikter<\/a><\/p>\n<h2>Hvordan b\u00f8r du plassere pengene du sparer til bolig?<\/h2>\n<p>(fra 16:40) N\u00e5r du skal spare til din f\u00f8rste bolig, er sparehorisonten avgj\u00f8rende for hvordan du skal plassere pengene, mener gutta. Her er deres r\u00e5d:<\/p>\n<ol>\n<li>Aller f\u00f8rst: Betal ned dyre forbruksl\u00e5n og kredittkortgjeld.<\/li>\n<li>Fyll opp BSU-kvoten. Grensen er 25.000 kr i \u00e5ret \u2013 f\u00e5 20 % i skattefradrag. 300.000 totalt.<\/li>\n<li>Har du mer enn 2-3 \u00e5rs horisont p\u00e5 sparingen: Vurder kombinasjonsfond. Du kan ogs\u00e5 sette en andel i aksjefond eller enkeltaksjer.<\/li>\n<\/ol>\n<h2>Snarveier inn i boligmarkedet<\/h2>\n<p>(fra 24:21) Gutta i studio g\u00e5r gjennom noen snarveier for unge som vil inn i boligmarkedet:<\/p>\n<p>1. F\u00e5 unntak fra boligl\u00e5nsforskriften: Banken kan gi unntak fra kravene om 5 ganger inntekt og \/ eller 15 % egenkapital hvis banken mener det er forsvarlig, men det g\u00e5r en grense: I dag f\u00e5r de maksimalt gj\u00f8re unntak for inntil 10 % av boligl\u00e5nene i hele Norge. I Oslo er grensen satt til 8 %. En av gruppene som kan f\u00e5 unntak er unge akademikere som har utsikter til h\u00f8y l\u00f8nnsvekst. Ta kontakt med flere banker og s\u00f8k om l\u00e5n, anbefaler Bj\u00f8rn Erik.<\/p>\n<p>2. F\u00e5 hjelp av foreldre. Foreldrehjelp kan gis p\u00e5 flere m\u00e5ter:<\/p>\n<ul>\n<li>Forskudd p\u00e5 arv, alts\u00e5 en pengegave. N\u00e5 som arveavgiften er borte, trenger man ikke tenke p\u00e5 avgiften.<\/li>\n<li>L\u00e5n fra foreldre eller s\u00f8sken. Tips: Ha en formalisert l\u00e5neavtale som spesifiserer eventuelle renter og avdrag.\n<ul>\n<li>F\u00e5 foreldre til \u00e5 stille som kausjonister eller medl\u00e5ntakere. Det er viktig at foreldrene skj\u00f8nner hvilke konsekvenser et kausjonsansvar eller medl\u00e5ntaker kan f\u00e5 for egen \u00f8konomi. Misligholdes l\u00e5net, stilles foreldrene til ansvar og m\u00e5 betale for l\u00e5net<\/li>\n<\/ul>\n<\/li>\n<li>Foreldre kan kj\u00f8pe boligen sammen med barna. Da har man muligheten til \u00e5 kj\u00f8pe en st\u00f8rre leilighet og leie ut et soverom.<\/li>\n<\/ul>\n<p>3.\u00a0 Kj\u00f8pe leilighet med en kj\u00e6reste, god venn eller s\u00f8sken. Kvadratmeterprisen faller med st\u00f8rrelsen p\u00e5 leiligheten, s\u00e5 det er lettere \u00e5 kj\u00f8pe sammen med en annen.<\/p>\n<p>Du f\u00e5r ogs\u00e5 h\u00f8re mer om utviklingen i boligpriser i denne episoden. Konklusjonen er at boligprisene er h\u00f8ye n\u00e5, men s\u00e5 lenge man har et langsiktig perspektiv p\u00e5 boligkj\u00f8pet, b\u00f8r man kj\u00f8pe prim\u00e6rbolig n\u00e5. Det trekkes paralleller til aksjemarkedet, hvor timing er vanskelig og langsiktighet er viktig.<\/p>\n<p>Les spare\u00f8konomes blogginnlegg om boligmarkedet: <a href=\"https:\/\/blogg.nordnet.no\/boligpriser-er-fallet-virkelig-over\/\" rel=\"noopener\">Er fallet virkelig over?<\/a><\/p>\n<h2>Sp\u00f8rsm\u00e5l fra lytterne<\/h2>\n<p>(fra 39:53) Sigurd har lest Bj\u00f8rn Erik sitt blogginnlegg fra 4. mai om \u201d<a href=\"https:\/\/blogg.nordnet.no\/dropp-avdragene-sett-pengene-i-aksjefond\/\" rel=\"noopener\">Dropp avdragene, sett pengene i aksjefond!<\/a>\u201d Han skriver: \u201dDette h\u00f8res smart ut \u2013 jeg kopierer strategien din! Men er det smartest med avdragsfrihet eller lenger l\u00f8petid p\u00e5 l\u00e5net mon tro?\u201d \u00a0Bj\u00f8rn Erik presiserer at dette r\u00e5det kun gis til erfarne sparere med solid \u00f8konomi, f\u00f8r han diskuterer risikovilje i aksjemarkedet.<\/p>\n<p>H\u00f8r ogs\u00e5 forrige spareutgave av #pengepodden: <a href=\"https:\/\/blogg.nordnet.no\/pengepodden-sparing-velg-riktig-rentefond\/?autoplay=1\" rel=\"noopener\">Velg riktig rentefond<\/a><\/p>\n<p><a href=\"http:\/\/feeds.feedburner.com\/pengepodden\" target=\"_blank\" rel=\"external noopener noreferrer nofollow\" data-wpel-link=\"external\">Abonner via RSS<\/a><\/p>\n<p><a href=\"https:\/\/soundcloud.com\/pengepodden\" target=\"_blank\" rel=\"external noopener noreferrer nofollow\" data-wpel-link=\"external\">F\u00f8lg p\u00e5 SoundCloud<\/a><\/p>\n<p><a href=\"https:\/\/itunes.apple.com\/no\/podcast\/pengepodden\/id1001063872\" target=\"_blank\" rel=\"external noopener noreferrer nofollow\" data-wpel-link=\"external\">Abonner via iTunes<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>V\u00e5r spare\u00f8konom Bj\u00f8rn Erik og Nordnet-Anders er tilbake i studio, og snakker om nordmenns sparefavoritt, nemlig bolig. Hele 8 av 10 nordmenn eier egen bolig, og ca 60 % av nordmenns formue er plassert i bolig og hytte. Samtidig er kun ca 5 % plassert i aksjer og privat fondssparing. Anders mener derfor at nordmenn [&hellip;]<\/p>\n","protected":false},"author":20033,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"audio","meta":{"_acf_changed":false,"ghostkit_customizer_options":"","ghostkit_custom_css":"","ghostkit_custom_js_head":"","ghostkit_custom_js_foot":"","ghostkit_typography":"","_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"categories":[6463],"tags":[3962],"class_list":["post-33310","post","type-post","status-publish","format-audio","hentry","category-pengepodden","tag-toppsak","post_format-post-format-audio"],"acf":[],"all_images":{"thumbnail":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/04\/pengepodden-sparing-150x59.jpg","width":150,"height":59,"crop":true,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/04\/pengepodden-sparing-150x59.jpg 150w, 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