Chapter 8 · The labour market and personal finances
Två hushåll har samma bolåneränta men olika stora lån. Vilket får störst ökad räntekostnad vid samma räntehöjning?
Two households have the same mortgage rate but different loan amounts. Which sees the larger increase in interest costs from the same rate rise?
Correct answer: The household with the larger loan
The same rate increase adds more interest in kronor to a larger debt. Mortgages can therefore take a large share of a household budget; the comparison applies once the new rate applies to both loans.
Key words
Source: Konsumentverket: Låna pengar – tips kring att ta lån · Har du råd att låna pengar? Ränta, amortering och återbetalningsförmåga
Last checked:
Why this option does not fit
Hushållet med det mindre lånet
A smaller debt produces a smaller increase in kronor at the same rate rise.
Båda får lika stor ökning i kronor
The same percentage change on different debts produces different amounts in kronor.
Det avgörs av vilket hushåll som amorterar mest
Principal repayments reduce debt over time, but this compares the debts at the rate rise.