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Hushållens låntagande i bank och bostadsinstitut dämpades betydligt under 2011. Fjärde kvartalet ökade nytagna lån med 30 miljarder, vilket är 8 miljarder lägre än samma kvartal året innan.

Hushållen fortsätter att öka sina lån, nytagna minus amortering, i bank och bostadslån. Även om hushållens lån fortfarande ökar, så har ökningstakten mattats av det senaste året. För helåret 2011 var hushållens nytagna lån 24 procent mindre än året innan. Framförallt är det nytagna lån i bostadsinstitut som blivit lägre. Under fjärde kvartalet ökade nytagna lån med 14 miljarder, vilket är den lägsta noteringen sedan första kvartalet 2001. Bidragande faktorer kan vara omvärldsoro, stigande marknadsräntor, samt åtgärder såsom införandet av bolånetaket 2010.

Hushållens totala låneskuld uppgick vid slutet av 2011 till 2 835 miljarder kronor varav 2 533 utgjordes av lån i bank och bostadsinstitut. Hushållens resterande låneskuld utgörs av studielån, samt lån i övriga finansinstitut.

Positiv börsutveckling ökade hushållens tillgångar
Efter Stockholmsbörsens kraftiga fall tredje kvartalet steg aktiekurserna enligt Affärsvärldens generalindex med 8,4 procent fjärde kvartalet. Den positiva börsutvecklingen bidrog till att hushållens totala finansiella tillgångar steg med 2 procent till 6 418 miljarder. Därmed återhämtades delar av nedgången som skett tidigare under året. Framförallt påverkades hushållens aktie- och fondinnehav som steg till 435 respektive 521 miljarder kronor.

Fortsatt försäljning av aktier och fonder
Hushållen fortsatte nettosälja, köp minus försäljning, både i aktier och fonder för 8 miljarder under fjärde kvartalet. Totalt har hushållen de senaste två åren nettosålt aktier för 31 miljarder samt fonder för 18 miljarder.

Samtidigt som hushållen nettosålt aktier och fonder har inlåningen i bank och monetära finansinstitut kraftigt ökat de senaste två åren. Under fjärde kvartalet ökade inlåningen med 31 miljarder och uppgick vid slutet av året till 1 155 miljarder kronor.

Den ökade inlåningen tillsammans med högt försäkringssparande bidrog till att hushållens finansiella sparande, transaktioner i finansiella tillgångar minus skulder, blev svagt positivt, 2 miljarder, fjärde kvartalet.

Publicerad: 2012-02-17

Källa: www.scb.se; Statistiska Centralbyrån; Hämtad 20 februari 2012