{"id":201606,"date":"2023-07-06T20:37:14","date_gmt":"2023-07-06T18:37:14","guid":{"rendered":"https:\/\/atena.sk\/blog\/kraftigt-stigande-eu-rantor-vad-kan-vi-gora-for-att-bevara-var-livsstil\/"},"modified":"2023-07-06T20:44:11","modified_gmt":"2023-07-06T18:44:11","slug":"kraftigt-stigande-eu-rantor-vad-kan-vi-gora-for-att-bevara-var-livsstil","status":"publish","type":"post","link":"https:\/\/atena.sk\/blog\/sv\/kraftigt-stigande-eu-rantor-vad-kan-vi-gora-for-att-bevara-var-livsstil\/","title":{"rendered":"Kraftigt stigande EU-r\u00e4ntor &#8211; vad kan vi g\u00f6ra f\u00f6r att bevara v\u00e5r livsstil?"},"content":{"rendered":"\n<p>R\u00e4ntor kan p\u00e5verka v\u00e5ra liv p\u00e5 ett betydande s\u00e4tt. P\u00e5 senare tid har r\u00e4ntorna stigit i Europeiska unionen (EU), vilket har haft en betydande inverkan p\u00e5 m\u00e4nniskor som \u00e4r tyngda av skulder.<\/p>\n\n<p>N\u00e4r r\u00e4ntorna stiger st\u00e4lls skuldsatta individer inf\u00f6r utmaningen med \u00f6kade skuldbetalningskostnader. Ett betydande problem uppst\u00e5r dock n\u00e4r l\u00f6nerna inte \u00f6kar i samma takt. Denna skillnad inneb\u00e4r att skuldb\u00f6rdan blir relativt sett tyngre, vilket minskar k\u00f6pkraften f\u00f6r den ekonomiska medelklassen. N\u00e4r en st\u00f6rre del av inkomsten anv\u00e4nds f\u00f6r att betala av skulder f\u00e5r individen mindre pengar \u00f6ver till l\u00f6pande utgifter eller sparande. Detta leder till en l\u00e4gre levnadsstandard.<\/p>\n\n<!--more-->\n\n<h2 class=\"wp-block-heading\">Vad \u00e4r den omedelbara konsekvensen av r\u00e4nteh\u00f6jningen?<\/h2>\n\n<p>N\u00e4r r\u00e4ntorna stiger f\u00e5r l\u00e5ntagarna mycket sv\u00e5rare att betala de m\u00e5natliga \u00e5terbetalningarna, vilket kan leda till betalningsinst\u00e4llelser, sena betalningar eller uteblivna betalningar. En s\u00e5dan situation kan f\u00e5 allvarliga konsekvenser, t.ex. en f\u00f6rs\u00e4mrad kreditv\u00e4rdighet och ackumulerade b\u00f6ter och avgifter. Den ned\u00e5tg\u00e5ende spiral som uppst\u00e5r kan i slut\u00e4ndan leda till en ond cirkel av ekonomiska problem och begr\u00e4nsa m\u00f6jligheterna till ekonomisk r\u00f6rlighet.<\/p>\n\n<h2 class=\"wp-block-heading\">Inkomstskillnader<\/h2>\n\n<p>Stigande r\u00e4ntor kan f\u00f6rdjupa inkomstklyftorna i samh\u00e4llet. Personer med h\u00f6gre inkomster har b\u00e4ttre m\u00f6jligheter att hantera effekterna av \u00f6kade skuldbetalningskostnader, medan de med l\u00e4gre inkomster st\u00e5r inf\u00f6r st\u00f6rre utmaningar. Denna oj\u00e4mlikhet bidrar till \u00f6kade f\u00f6rm\u00f6genhetsklyftor och kan leda till v\u00e4xande klasskillnader. S\u00e4rskilt medelklassen hamnar ofta i kl\u00e4m mellan stigande r\u00e4ntor och begr\u00e4nsad inkomsttillv\u00e4xt, och riskerar att hamna i ett l\u00e4gre socioekonomiskt skikt.<\/p>\n\n<p>Kombinationen av minskad k\u00f6pkraft, ekonomiska sv\u00e5righeter och inkomstskillnader kan leda till att ett stort antal individer hamnar n\u00e4rmare eller under fattigdomsgr\u00e4nsen. I takt med att allt fler m\u00e4nniskor k\u00e4mpar f\u00f6r att f\u00e5 ekonomin att g\u00e5 ihop blir risken f\u00f6r fattigdom allt vanligare. Stigande r\u00e4ntor kan ocks\u00e5 bidra till att individer och familjer hamnar i fattigdom. Denna situation kan f\u00e5 l\u00e5ngtg\u00e5ende samh\u00e4lleliga konsekvenser och ytterligare belasta de sociala st\u00f6dsystemen.<\/p>\n\n<h2 class=\"wp-block-heading\">Hur allvarlig \u00e4r situationen?<\/h2>\n\n<p>I f\u00f6ljande diagram kan vi se de r\u00e4ntesatser som ECB<em>(Europeiska centralbanken<\/em>) fastst\u00e4llt under de senaste tre \u00e5ren. N\u00e5gra procent kanske inte verkar s\u00e5 hemskt. Men n\u00e4r man s\u00e4tter allt i perspektiv \u00e4r f\u00f6r\u00e4ndringarna h\u00e4pnadsv\u00e4ckande.<\/p>\n\n<figure class=\"wp-block-table aligncenter is-style-regular\"><table><tbody><tr><td class=\"has-text-align-right\" data-align=\"right\">Landskap<\/td><td class=\"has-text-align-left\" data-align=\"left\">ECB:s r\u00e4ntor fr\u00e5n maj 2020 till maj 2023<\/td><td>L\u00e4gsta r\u00e4nta<\/td><td>H\u00f6gsta skattesats<\/td><\/tr><tr><td class=\"has-text-align-right\" data-align=\"right\"><img decoding=\"async\" width=\"2780\" height=\"1847\" class=\"lazyload wp-image-201045\" style=\"width: 100px\" src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_68838309-1-scaled.jpeg\" data-orig-src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_68838309-1-scaled.jpeg\" alt=\"SK FLAG\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%272780%27%20height%3D%271847%27%20viewBox%3D%270%200%202780%201847%27%3E%3Crect%20width%3D%272780%27%20height%3D%271847%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_68838309-1-200x133.jpeg 200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_68838309-1-300x199.jpeg 300w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_68838309-1-400x266.jpeg 400w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_68838309-1-600x399.jpeg 600w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_68838309-1-768x510.jpeg 768w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_68838309-1-800x532.jpeg 800w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_68838309-1-1024x680.jpeg 1024w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_68838309-1-1200x797.jpeg 1200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_68838309-1-1536x1021.jpeg 1536w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_68838309-1-scaled.jpeg 2780w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 2780px) 100vw, 2780px\" \/><\/td><td class=\"has-text-align-left\" data-align=\"left\"><img decoding=\"async\" width=\"1177\" height=\"269\" class=\"lazyload wp-image-201214\" style=\"width: 500px\" src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/Slovakiainterest.png\" data-orig-src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/Slovakiainterest.png\" alt=\"SK &#xD6;gonbryn\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271177%27%20height%3D%27269%27%20viewBox%3D%270%200%201177%20269%27%3E%3Crect%20width%3D%271177%27%20height%3D%27269%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/Slovakiainterest-200x46.png 200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/Slovakiainterest-300x69.png 300w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/Slovakiainterest-400x91.png 400w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/Slovakiainterest-600x137.png 600w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/Slovakiainterest-768x176.png 768w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/Slovakiainterest-800x183.png 800w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/Slovakiainterest-1024x234.png 1024w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/Slovakiainterest.png 1177w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1177px) 100vw, 1177px\" \/><\/td><td>-0,52%<\/td><td>3,66%<\/td><\/tr><tr><td class=\"has-text-align-right\" data-align=\"right\"><img decoding=\"async\" width=\"2780\" height=\"1853\" class=\"lazyload wp-image-201073\" style=\"width: 100px\" src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_98718252-scaled.jpeg\" data-orig-src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_98718252-scaled.jpeg\" alt=\"CZ FLAG\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%272780%27%20height%3D%271853%27%20viewBox%3D%270%200%202780%201853%27%3E%3Crect%20width%3D%272780%27%20height%3D%271853%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_98718252-200x133.jpeg 200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_98718252-300x200.jpeg 300w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_98718252-400x267.jpeg 400w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_98718252-600x400.jpeg 600w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_98718252-768x512.jpeg 768w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_98718252-800x533.jpeg 800w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_98718252-1024x683.jpeg 1024w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_98718252-1200x800.jpeg 1200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_98718252-1536x1024.jpeg 1536w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_98718252-scaled.jpeg 2780w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 2780px) 100vw, 2780px\" \/><\/td><td class=\"has-text-align-left\" data-align=\"left\"><img decoding=\"async\" width=\"1160\" height=\"235\" class=\"lazyload wp-image-201298\" style=\"width: 500px\" src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/CZRATES.png\" data-orig-src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/CZRATES.png\" alt=\"CZrates\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271160%27%20height%3D%27235%27%20viewBox%3D%270%200%201160%20235%27%3E%3Crect%20width%3D%271160%27%20height%3D%27235%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/CZRATES-200x41.png 200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/CZRATES-300x61.png 300w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/CZRATES-400x81.png 400w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/CZRATES-600x122.png 600w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/CZRATES-768x156.png 768w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/CZRATES-800x162.png 800w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/CZRATES-1024x207.png 1024w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/CZRATES.png 1160w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1160px) 100vw, 1160px\" \/><\/td><td>0,86%<\/td><td>5,11%<\/td><\/tr><tr><td class=\"has-text-align-right\" data-align=\"right\"><img decoding=\"async\" width=\"2780\" height=\"1668\" class=\"lazyload wp-image-201101\" style=\"width: 100px\" src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_140332858-scaled.jpeg\" data-orig-src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_140332858-scaled.jpeg\" alt=\"HU FLAG\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%272780%27%20height%3D%271668%27%20viewBox%3D%270%200%202780%201668%27%3E%3Crect%20width%3D%272780%27%20height%3D%271668%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_140332858-200x120.jpeg 200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_140332858-300x180.jpeg 300w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_140332858-400x240.jpeg 400w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_140332858-600x360.jpeg 600w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_140332858-768x461.jpeg 768w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_140332858-800x480.jpeg 800w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_140332858-1024x615.jpeg 1024w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_140332858-1200x720.jpeg 1200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_140332858-1536x922.jpeg 1536w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_140332858-scaled.jpeg 2780w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 2780px) 100vw, 2780px\" \/><\/td><td class=\"has-text-align-left\" data-align=\"left\"><img decoding=\"async\" width=\"1163\" height=\"254\" class=\"lazyload wp-image-201270\" style=\"width: 500px\" src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/HUrates-1.png\" data-orig-src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/HUrates-1.png\" alt=\"HUrates\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271163%27%20height%3D%27254%27%20viewBox%3D%270%200%201163%20254%27%3E%3Crect%20width%3D%271163%27%20height%3D%27254%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/HUrates-1-200x44.png 200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/HUrates-1-300x66.png 300w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/HUrates-1-400x87.png 400w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/HUrates-1-600x131.png 600w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/HUrates-1-768x168.png 768w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/HUrates-1-800x175.png 800w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/HUrates-1-1024x224.png 1024w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/HUrates-1.png 1163w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1163px) 100vw, 1163px\" \/><\/td><td>1,99%<\/td><td>10,25%<\/td><\/tr><tr><td class=\"has-text-align-right\" data-align=\"right\"><img decoding=\"async\" width=\"2780\" height=\"1853\" class=\"lazyload wp-image-201130\" style=\"width: 100px\" src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_97427755-scaled.jpeg\" data-orig-src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_97427755-scaled.jpeg\" alt=\"RO FLAG\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%272780%27%20height%3D%271853%27%20viewBox%3D%270%200%202780%201853%27%3E%3Crect%20width%3D%272780%27%20height%3D%271853%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_97427755-200x133.jpeg 200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_97427755-300x200.jpeg 300w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_97427755-400x267.jpeg 400w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_97427755-600x400.jpeg 600w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_97427755-768x512.jpeg 768w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_97427755-800x533.jpeg 800w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_97427755-1024x683.jpeg 1024w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_97427755-1200x800.jpeg 1200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_97427755-1536x1024.jpeg 1536w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_97427755-scaled.jpeg 2780w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 2780px) 100vw, 2780px\" \/><\/td><td class=\"has-text-align-left\" data-align=\"left\"><img decoding=\"async\" width=\"1158\" height=\"274\" class=\"lazyload wp-image-201326\" style=\"width: 500px\" src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/ROrates.png\" data-orig-src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/ROrates.png\" alt=\"ROrates\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271158%27%20height%3D%27274%27%20viewBox%3D%270%200%201158%20274%27%3E%3Crect%20width%3D%271158%27%20height%3D%27274%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/ROrates-200x47.png 200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/ROrates-300x71.png 300w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/ROrates-400x95.png 400w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/ROrates-600x142.png 600w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/ROrates-768x182.png 768w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/ROrates-800x189.png 800w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/ROrates-1024x242.png 1024w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/ROrates.png 1158w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1158px) 100vw, 1158px\" \/><\/td><td>2,65%<\/td><td>9,26%<\/td><\/tr><tr><td class=\"has-text-align-right\" data-align=\"right\"><img decoding=\"async\" width=\"2780\" height=\"1807\" class=\"lazyload wp-image-201158\" style=\"width: 100px\" src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_104471752-scaled.jpeg\" data-orig-src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_104471752-scaled.jpeg\" alt=\"BG FLAG\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%272780%27%20height%3D%271807%27%20viewBox%3D%270%200%202780%201807%27%3E%3Crect%20width%3D%272780%27%20height%3D%271807%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_104471752-200x130.jpeg 200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_104471752-300x195.jpeg 300w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_104471752-400x260.jpeg 400w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_104471752-600x390.jpeg 600w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_104471752-768x499.jpeg 768w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_104471752-800x520.jpeg 800w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_104471752-1024x665.jpeg 1024w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_104471752-1200x780.jpeg 1200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_104471752-1536x998.jpeg 1536w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_104471752-scaled.jpeg 2780w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 2780px) 100vw, 2780px\" \/><\/td><td class=\"has-text-align-left\" data-align=\"left\"><img decoding=\"async\" width=\"1160\" height=\"242\" class=\"lazyload wp-image-201382\" style=\"width: 500px\" src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/BGrates-1.png\" data-orig-src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/BGrates-1.png\" alt=\"BGrates\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271160%27%20height%3D%27242%27%20viewBox%3D%270%200%201160%20242%27%3E%3Crect%20width%3D%271160%27%20height%3D%27242%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/BGrates-1-200x42.png 200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/BGrates-1-300x63.png 300w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/BGrates-1-400x83.png 400w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/BGrates-1-600x125.png 600w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/BGrates-1-768x160.png 768w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/BGrates-1-800x167.png 800w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/BGrates-1-1024x214.png 1024w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/BGrates-1.png 1160w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1160px) 100vw, 1160px\" \/><\/td><td>0,14%<\/td><td>4,21%<\/td><\/tr><tr><td class=\"has-text-align-right\" data-align=\"right\"><img decoding=\"async\" width=\"2780\" height=\"1668\" class=\"lazyload wp-image-201186\" style=\"width: 100px\" src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_102352804-scaled.jpeg\" data-orig-src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_102352804-scaled.jpeg\" alt=\"LT FLAG\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%272780%27%20height%3D%271668%27%20viewBox%3D%270%200%202780%201668%27%3E%3Crect%20width%3D%272780%27%20height%3D%271668%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_102352804-200x120.jpeg 200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_102352804-300x180.jpeg 300w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_102352804-400x240.jpeg 400w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_102352804-600x360.jpeg 600w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_102352804-768x461.jpeg 768w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_102352804-800x480.jpeg 800w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_102352804-1024x614.jpeg 1024w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_102352804-1200x720.jpeg 1200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_102352804-1536x922.jpeg 1536w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_102352804-scaled.jpeg 2780w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 2780px) 100vw, 2780px\" \/><\/td><td class=\"has-text-align-left\" data-align=\"left\"><img decoding=\"async\" width=\"1167\" height=\"248\" class=\"lazyload wp-image-201467\" style=\"width: 500px\" src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/LTrates-1.png\" data-orig-src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/LTrates-1.png\" alt=\"LTrates\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271167%27%20height%3D%27248%27%20viewBox%3D%270%200%201167%20248%27%3E%3Crect%20width%3D%271167%27%20height%3D%27248%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/LTrates-1-200x43.png 200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/LTrates-1-300x64.png 300w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/LTrates-1-400x85.png 400w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/LTrates-1-600x128.png 600w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/LTrates-1-768x163.png 768w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/LTrates-1-800x170.png 800w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/LTrates-1-1024x218.png 1024w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/LTrates-1.png 1167w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1167px) 100vw, 1167px\" \/><\/td><td>0,16%<\/td><td>2,88%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p>Ta till exempel Tjeckien. F\u00f6r ungef\u00e4r tre \u00e5r sedan var r\u00e4ntan d\u00e4r <strong>0,86 procent<\/strong>. Om n\u00e5gon tar ett bol\u00e5n p\u00e5 100 000 euro i 30 \u00e5r blir den m\u00e5natliga \u00e5terbetalningen cirka <strong>315 euro<\/strong>. Eftersom minimil\u00f6nen d\u00e4r \u00e4r ungef\u00e4r 678 euro har n\u00e4stan alla familjer med tv\u00e5 f\u00f6rv\u00e4rvsarbetande r\u00e5d med ett bol\u00e5n. Men med den h\u00f6gsta r\u00e4ntan skulle samma bol\u00e5n kosta minst <strong>543<\/strong> euro. Det \u00e4r \u00f6ver <strong>70 %<\/strong> &#8211; och det f\u00f6r samma belopp som l\u00e5nats! I Ungern \u00e4r situationen till och med mycket v\u00e4rre. Om du l\u00e5nar samma belopp d\u00e4r skulle din m\u00e5natliga \u00e5terbetalning bli cirka <strong>896 euro<\/strong>.<\/p>\n\n<h2 class=\"wp-block-heading\">Hur kan m\u00e4nniskor ta itu med detta problem?<\/h2>\n\n<p>Om du inte \u00e4r miljon\u00e4r kommer 200-600 euro i extra utgifter varje m\u00e5nad verkligen att g\u00f6ra skillnad. Vissa personer kanske inte ens kan betala tillbaka. Hur kan vi l\u00f6sa detta?<\/p>\n\n<ol>\n<li><strong>Spendera mindre<\/strong>: Ta en noggrann titt p\u00e5 din budget och identifiera omr\u00e5den d\u00e4r du kan minska utgifterna. Genom att fokusera p\u00e5 det grundl\u00e4ggande kan du frig\u00f6ra mer pengar f\u00f6r att t\u00e4cka \u00f6kade bol\u00e5nebetalningar. Leta efter s\u00e4tt att spara p\u00e5 media, mat, underh\u00e5llning och andra icke-n\u00f6dv\u00e4ndiga saker.<\/li>\n\n\n\n<li><strong>Minska dina utgifter<\/strong>: om fastigheten du har k\u00f6pt \u00e4r relativt stor och i gott skick kan du hyra ut den och samtidigt hyra en billigare plats att bo p\u00e5. Detta fungerar dock bara om det finns en betydande skillnad mellan hyreskostnaderna f\u00f6r de tv\u00e5 fastigheterna.<\/li>\n\n\n\n<li><strong>Leta efter program f\u00f6r ekonomiskt st\u00f6d<\/strong>: vid snabba pris\u00f6kningar finns det ibland statliga \u00e5tg\u00e4rder f\u00f6r att hj\u00e4lpa m\u00e4nniskor som inte l\u00e4ngre kan betala sina skulder. Dessa program kan ge tillf\u00e4llig l\u00e4ttnad eller hj\u00e4lp med \u00e5terbetalning av bol\u00e5n under en period av ekonomiska sv\u00e5righeter.<\/li>\n<\/ol>\n\n<h2 class=\"wp-block-heading\">Finns det n\u00e5got b\u00e4ttre s\u00e4tt?<\/h2>\n\n<p>\u00c4ven om dina m\u00e5natliga utgifter skjuter i h\u00f6jden finns det fortfarande ett s\u00e4tt att beh\u00e5lla din livsstil. Du beh\u00f6ver bara<strong> tj\u00e4na mer<\/strong>. Och eftersom du inte kan f\u00e5 en b\u00e4ttre utbildning eller mycket erfarenhet p\u00e5 kort tid, \u00e4r det b\u00e4sta s\u00e4ttet att s\u00f6ka jobb i ett land d\u00e4r l\u00f6nerna \u00e4r h\u00f6gre. \u00c5 andra sidan \u00e4r det l\u00e4ttare sagt \u00e4n gjort. Alla kan inte bara packa en resv\u00e4ska, betala sin resa l\u00e5ngt bort, betala sin hyra och f\u00f6rs\u00f6rja sig sj\u00e4lva tills de hittar ett jobb och f\u00e5r betalt.<\/p>\n\n<p>Men \u00e4ven om du inte har r\u00e5d med alla de saker vi har n\u00e4mnt kan <a href=\"https:\/\/atena.org\">Atena <\/a>hj\u00e4lpa dig! <strong>Vi hittar ett jobb \u00e5t dig<\/strong>, <strong>betalar<\/strong> dig i f\u00f6rskott och v\u00e4ljer en tj\u00e4nst<em> <\/em>med <strong>s\u00e4kert boende<\/strong>! <a href=\"https:\/\/atena.org\">Atena <\/a>hj\u00e4lper dig ocks\u00e5 med allt n\u00f6dv\u00e4ndigt pappersarbete och st\u00e5r till ditt f\u00f6rfogande n\u00e4r som helst under din utlandsvistelse. Och det b\u00e4sta \u00e4r att n\u00e4r du \u00e5ker kan du hyra ut din fastighet hemma &#8211; n\u00e5gon annan betalar ditt bol\u00e5n medan du tj\u00e4nar tv\u00e5 till tre g\u00e5nger s\u00e5 mycket som du kan tj\u00e4na hemma.<\/p>\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>R\u00e4ntorna, liksom priserna p\u00e5 m\u00e5nga andra saker, har stigit. Ditt bol\u00e5n kan vara dubbelt s\u00e5 dyrt nu. Och \u00e4ven om det l\u00e5ter om\u00f6jligt finns det ett s\u00e4tt att betala av det och \u00e4nd\u00e5 beh\u00e5lla din livsstil.<\/p>\n","protected":false},"author":20,"featured_media":201527,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[805],"tags":[],"acf":{"facebookpost":"Till f\u00f6ljd av den senaste tidens h\u00e4ndelser har priserna p\u00e5 m\u00e5nga saker stigit kraftigt. R\u00e4ntorna har ocks\u00e5 stigit ????. I vissa l\u00e4nder kostar ett bol\u00e5n som tidigare kostade 400 euro i m\u00e5naden nu mer \u00e4n 900 euro! Hur kan du ha r\u00e5d att betala tillbaka \u00e4nd\u00e5? Finns det n\u00e5got s\u00e4tt att beh\u00e5lla din livsstil? Ta reda p\u00e5 det h\u00e4r.  ","popis_socialneho_obrazku":"Hur kan man fortfarande betala bol\u00e5net?"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kraftigt stigande EU-r\u00e4ntor - vad kan vi g\u00f6ra f\u00f6r att bevara v\u00e5r livsstil? - Atena blog<\/title>\n<meta name=\"description\" content=\"R\u00e4nteniv\u00e5erna inom EU stiger. 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Men med r\u00e4tt ekonomiska beslut \u00e4r det inte om\u00f6jligt att hantera denna \u00f6kning och \u00e4nd\u00e5 beh\u00e5lla den livsstil du har vant dig vid.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/atena.sk\/blog\/sv\/kraftigt-stigande-eu-rantor-vad-kan-vi-gora-for-att-bevara-var-livsstil\/\" \/>\n<meta property=\"og:site_name\" content=\"Atena blog\" \/>\n<meta property=\"article:published_time\" content=\"2023-07-06T18:37:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-06T18:44:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_605768180-1024x576.jpg\" \/>\n<meta name=\"author\" content=\"Marin Nedelev\" \/>\n<meta name=\"twitter:label1\" content=\"Skriven av\" \/>\n\t<meta name=\"twitter:data1\" content=\"Marin Nedelev\" \/>\n\t<meta name=\"twitter:label2\" content=\"Ber\u00e4knad l\u00e4stid\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minuter\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\/\/atena.sk\/blog\/sv\/kraftigt-stigande-eu-rantor-vad-kan-vi-gora-for-att-bevara-var-livsstil\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/atena.sk\/blog\/sv\/kraftigt-stigande-eu-rantor-vad-kan-vi-gora-for-att-bevara-var-livsstil\/\"},\"author\":{\"name\":\"Marin Nedelev\",\"@id\":\"https:\/\/atena.sk\/blog\/sv\/#\/schema\/person\/0ae6c6390563d6555f91b0db4767e168\"},\"headline\":\"Kraftigt stigande EU-r\u00e4ntor &#8211; vad kan vi g\u00f6ra f\u00f6r att bevara v\u00e5r livsstil?\",\"datePublished\":\"2023-07-06T18:37:14+00:00\",\"dateModified\":\"2023-07-06T18:44:11+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/atena.sk\/blog\/sv\/kraftigt-stigande-eu-rantor-vad-kan-vi-gora-for-att-bevara-var-livsstil\/\"},\"wordCount\":999,\"publisher\":{\"@id\":\"https:\/\/atena.sk\/blog\/sv\/#organization\"},\"image\":{\"@id\":\"https:\/\/atena.sk\/blog\/sv\/kraftigt-stigande-eu-rantor-vad-kan-vi-gora-for-att-bevara-var-livsstil\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_605768180-scaled.jpg\",\"articleSection\":[\"Kunder\"],\"inLanguage\":\"sv-SE\"},{\"@type\":[\"WebPage\",\"ItemPage\"],\"@id\":\"https:\/\/atena.sk\/blog\/sv\/kraftigt-stigande-eu-rantor-vad-kan-vi-gora-for-att-bevara-var-livsstil\/\",\"url\":\"https:\/\/atena.sk\/blog\/sv\/kraftigt-stigande-eu-rantor-vad-kan-vi-gora-for-att-bevara-var-livsstil\/\",\"name\":\"Kraftigt stigande EU-r\u00e4ntor - vad kan vi g\u00f6ra f\u00f6r att bevara v\u00e5r livsstil? - Atena blog\",\"isPartOf\":{\"@id\":\"https:\/\/atena.sk\/blog\/sv\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/atena.sk\/blog\/sv\/kraftigt-stigande-eu-rantor-vad-kan-vi-gora-for-att-bevara-var-livsstil\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/atena.sk\/blog\/sv\/kraftigt-stigande-eu-rantor-vad-kan-vi-gora-for-att-bevara-var-livsstil\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_605768180-scaled.jpg\",\"datePublished\":\"2023-07-06T18:37:14+00:00\",\"dateModified\":\"2023-07-06T18:44:11+00:00\",\"description\":\"R\u00e4nteniv\u00e5erna inom EU stiger. 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