{"id":1742,"date":"2024-10-28T12:35:28","date_gmt":"2024-10-28T11:35:28","guid":{"rendered":"https:\/\/hoyre.no\/moss\/?p=1742"},"modified":"2024-10-28T12:35:29","modified_gmt":"2024-10-28T11:35:29","slug":"foreldrebanken-skal-ikke-avgjore-hvem-som-kommer-inn-pa-boligmarkedet","status":"publish","type":"post","link":"https:\/\/hoyre.no\/moss\/aktuelt\/foreldrebanken-skal-ikke-avgjore-hvem-som-kommer-inn-pa-boligmarkedet\/","title":{"rendered":"Foreldrebanken skal ikke avgj\u00f8re hvem som kommer inn p\u00e5 boligmarkedet"},"content":{"rendered":"\n

Det er p\u00e5 h\u00f8y tid at boligl\u00e5nsforskriften oppmykes!<\/p>\t\t\t

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H\u00f8yres redaksjon<\/h3>\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tSist oppdatert: 28. oktober 2024<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tCa. 1 minutter lesetid<\/em><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t
\n\t\tDel link<\/span><\/a>\n\t\tDel p\u00e5 twitter<\/span><\/a>\n\t\tDel p\u00e5 facebook<\/span><\/a>\n\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t
\"\"<\/div><\/figure>\n\n\n\n\n

Av Jorunn Karlsen Wiborg, Moss H\u00f8yre<\/p>\n\n\n\n

Historisk h\u00f8ye boligpriser, og da spesielt i storbyene, gj\u00f8r det vanskelig for flere \u00e5 komme inn p\u00e5 boligmarkedet. Til tross for utdannelse, fast jobb og sparemuligheter er det mange, og da s\u00e6rlig blant unge, som er avhengig av \u00abforeldrebanken\u00bb for \u00e5 kunne kj\u00f8pe sin f\u00f8rste bolig. Den h\u00f8ye renten har ikke gjort situasjonen bedre.<\/p>\n\n\n\n

Da Solberg-regjeringen i 2015 innf\u00f8rte krav om 15 prosent egenkapital, var hensikten \u00e5 dempe gjeldsgraden og prisveksten i boligmarkedet. Boligrenten var p\u00e5 det tidspunktet lav. N\u00e5 er situasjonen en annen, hvor dagens krav til egenkapital ikke er tilpasset tiden vi lever i. Med dagens renteniv\u00e5 og h\u00f8ye boligpriser er mange helt avhengig av foreldrenes \u00f8konomi og velvillighet for \u00e5 innfri egenkapitalkravet, hvor de som har tilgang til \u00abforeldrebanken\u00bb har et fortrinn fremfor de som ikke har den muligheten. Dette skaper et sosialt skille som ingen er tjent med.<\/p>\n\n\n\n

Dagens krav sl\u00e5r b\u00e5de skjevt og usosialt ut, og rammer unge med betjeningsevne, og de som av ulike \u00e5rsaker har brukt tid p\u00e5 \u00e5 gj\u00f8re inntreden i boligmarkedet. Det er behov for en modifisering.<\/p>\n\n\n\n

Norges Bank ber n\u00e5 regjeringen om \u00e5 vurdere \u00e5 senke egenkapitalkravet til 10 prosent, samt endre kravet til bel\u00e5ningsgrad fra 85 prosent til 90 prosent. H\u00f8yre mener en oppmykning av kravene vil kunne redusere sosiale ulikheter og gj\u00f8re det enklere for flere \u00e5 komme inn p\u00e5 boligmarkedet.<\/p>\n\n\n

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Ansvarlig \u00f8konomistyring er en forutsetning for gode tjenester <\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/a>\n\t<\/div>\n\n\t<\/div>
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En skole som forst\u00e5r hvordan barn faktisk l\u00e6rer <\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/a>\n\t<\/div>\n\n\t<\/div>
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8. mars betyr noe <\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/a>\n\t<\/div>\n\n\t<\/div><\/div>\t<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":18216,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"teft_cards_image_url":"","teft_cards_custom_pretitle":"","teft_cards_image_id":1238,"teft_cards_image_focal_point_x":0.5,"teft_cards_image_focal_point_y":0.5,"teft_cards_title":"","teft_cards_excerpt":"","teft_show_chapters":false,"author_display_name":"","footnotes":""},"category":[1],"post_tag":[],"hoyre-visibility":[],"article-type":[],"politician":[],"class_list":["post-1742","post","type-post","status-publish","format-standard","hentry","category-ukategorisert"],"yoast_head":"\nForeldrebanken skal ikke avgj\u00f8re hvem som kommer inn p\u00e5 boligmarkedet - Moss H\u00f8yre<\/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:\/\/hoyre.no\/moss\/aktuelt\/foreldrebanken-skal-ikke-avgjore-hvem-som-kommer-inn-pa-boligmarkedet\/\" \/>\n<meta property=\"og:locale\" content=\"nb_NO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Foreldrebanken skal ikke avgj\u00f8re hvem som kommer inn p\u00e5 boligmarkedet - 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