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Hushållen har 46,7 % högre arbetsinkomster än normen

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Överordnad kategori: Finansnyheter
Träffar: 1490
Swedbank publicerar idag Boindex för tredje kvartalet 2009. Boindex, som mäter husköpkraften utifrån medianpriser på småhus, bolåneräntor och hushållens arbetsinkomster, steg till 146,7 för riket som helhet, jämfört med 142,0 kvartalet innan. Hushållen har således 46,7 % högre arbetsinkomster än vad som krävs enligt vår norm.

Lägre bolåneräntor är den viktigaste förklaringen till att husköpkraften fortsatt att förbättras. Den sammanvägda bolåneräntan föll till 2,2 %, jämfört med 2,4 % kvartalet innan. Jämfört med för ett år sedan, då Boindex var 97,6 har husköpkraften ökat markant.

Utifrån normen är Boindex 100 när hushållen använder 15 procent av sina arbetsinkomster före skatt till bolånekostnader, och därmed har råd med sina husköp. Ju högre Boindex, desto högre är marginalerna och därmed husköpkraften.

- Förbättringen i husköpkraften under det senaste året är den största i Boindex historia, säger Cecilia Hermansson, Swedbanks chefekonom. I ytterligare ett par kvartal kan trenden vara uppåtriktad, men under nästa år när Riksbanken börjar höja sin styrränta kan husköpkraften dämpas vilket innebär att hushållen gradvis får det svårare att få råd med sina husköp.

Högre skulder ökar sårbarheten - främst i storstäderna
Hushållens skulder har ökat kraftigt och huspriserna har åter närmat sig tidigare toppnivåer. Skuldkvoten, d v s hushållens skulder i förhållande till disponibel-inkomsten, uppgår till 160 %. En fortsatt snabb kredittillväxt kring 8-10 % medför att skuldkvoten närmar sig 200 % år 2011. I Boindex framkommer att skillnaderna mellan storstäder och andra delar av landet är påtagliga. I storstäderna är husköpkraften generellt svagare, eftersom inkomstläget inte kompenserar de betydligt högre huspriserna.

- När skuldkvoten stiger är det främst i storstäderna som sårbarheten bland hushållen ökar, säger Cecilia Hermansson. De största riskerna för de mer skuldtyngda storstadshushållen under de kommande åren är en svagare arbetsmarknad och ett högre ränteläge.

Publicerad: 2009-12-03

Källa: www.swedbank.se ; Swedbank; Hämtad 4 december 2009

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