Wednesday, November 18, 2009

Studielånet dubbelt så dyrt som bolånet.

TACK Dages Industri för att ni äntligen skriver om detta som jag tjatat om rätt länge, men varje gång fått till svar att CSN är sååå förmånligt...
,
"Studielånet dubbelt så dyrt som bolånet
2009-11-18 18:30
,
Räntan på studielån är mer än dubbelt så hög som för rörliga bolån. Ändå rekommenderas låntagarna att betala av andra skulder i första hand. Inte någon gång under 2000-talet har det varit så pass stora skillnader som det är i dag mellan räntan på studielån och den rörliga boräntan. Efter skattereduktion är snittet på den rörliga boräntan just nu ungefär 1,1 procent medan studielånsräntan är på 2,5 procent - eller cirka 130 procent högre. Även om räntan på studielånet förväntas sjunka nästa år till 2,4 procent, lär det dröja minst ett år innan bolånet är dyrare än CSN-lånet..."

138 comments:

egon said...

Fast de skriver ju på samma gång att det är tillfälligt ;)

HannaElin79 said...

Det är dyrt att vara utbildad :)

TRÄNINGSLYCKAN said...

Verligen dyrt! Vi har ju inte alls på samma sätt angående det här i Finland.

It´s all about me said...

Egon: I sådanafall har det varit tillfälligt länge. Och varför ska det ens vara tillfälligt? Jag finner inget argument varför räntan någonsin ska vara högre än bankräntor. Punkt.

Anki: Lyllo er! Staten är riktigt sneaky...

Sussie said...

Usch.
Jag känner faktiskt inte till hur det ligger till här, har aldrig haft lån, men jag litar på Anki. :)

It´s all about me said...

Lyllo!

Jag har massor...

egon said...

Men vad jag förstått så är ju anledningen till att boräntan är så extremt låg den ekonomiska krisen? Sett i perspektivet hur länge man betalar av ett csn-lån/bostadslån blir det då "tillfälligt". De varnade ju häromveckan för att ta bolån nu eftersom så många tar bolån nu när räntorna är låga men att de kommer gå upp så kraftigt igen inom några år att då kommer många personer inte ha råd.

egon said...

Sen att det är dyrt att ha lån protesterar jag inte mot...

egon said...

Omformulering och förtydling av första meningen: Men vad jag förstått så är ju den ekonomiska krisen anledningen till att boräntan är så extremt låg just nu?

Weronica said...

Tur jag inte har lån :D

Och angående min utbildning så är den en utbildning och ingen kurs. JAg blir regnskapsførare när jag är färdig. Vet inte vad det heter på svenska. hehe. Så jag kan i princip jobba med bokföring, löner, budgett osv vart jag vill :)

pim said...

det hörde jag för mpånga år sen att det var för månligare att ta ett banklån till sina studier än CSNlån..skamligt..

It´s all about me said...

Egon: Se pim. Det är inget nytt... förutom att CSN skrivs av när man dör, vilket det också hänvisas till i artikeln sedan på frågan varför CSN skulle vara förmånligt... Min åsikt kvarstår: kris eller inte, jag tycker INTE att staten ska "tjäna" på CSN-lån, CSN ska vara en investiering i vårt eget samhälle och inget som sprider skräck i oss och indirekt gör att många inte vill plugga! Se bara vissa svar... "tur att jag inte har lån.."

Wero: aha! Vet inet vad det är, men för att jobba med sånt i Sverige behöver man oftast vara ekonom med en flerårig-utbildning. Verkar soft i Norge att endast en termin räcker! (därav trodde jag att det var en kurs, eftersom en termins-utbildningar inte existerar i Sverige, vad jag vet!)

egon said...

Jag kollade upp räntesatserna för ett par år sedan då det faktiskt var aktuellt av ev betala av skulden och ha ett annat lån istället. Då var det i stort sett same same, vilket gjorde att jag behöll csn-lånet.

Korta utbildningar finns i Sverige också. KY-utbildningar är väl de vanligaste (finns många 1åriga där det är väldigt mkt praktik), alternativt privata utbildningar som kostar muchos pengar.

It´s all about me said...

Egon: Same same innebär att CSN inte är FÖRMÅNLIGT. Om CSN ligger mellan sämre eller same same, så tycker jag det motverkar syftet...

Och gällande utbildning; jo KY-finns ju såklart:) Men inte så vanligt att få en examen i ekonomi efter 1 termin som gör att du kan JOBBA med de sakerna på Weronica skrev om här i Sverige. Oftast krävs en låååång för ekonomi-arbete! :0

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