{"id":2930,"date":"2022-12-14T20:04:33","date_gmt":"2022-12-14T20:04:33","guid":{"rendered":"https:\/\/heideinternati.wpengine.com\/?p=2930"},"modified":"2022-12-14T20:07:21","modified_gmt":"2022-12-14T20:07:21","slug":"forsta-justerbar-ranta-hypotekslan-2","status":"publish","type":"post","link":"https:\/\/heideinternational.com\/sv\/forsta-justerbar-ranta-hypotekslan-2\/","title":{"rendered":"F\u00f6rst\u00e5else f\u00f6r ett l\u00e5n med justerbar r\u00e4nta (ARM)"},"content":{"rendered":"
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Vad \u00e4r ett l\u00e5n med justerbar r\u00e4nta (ARM)?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Ett l\u00e5n med r\u00f6rlig r\u00e4nta (ARM) \u00e4r en typ av bostadsl\u00e5n med r\u00f6rlig r\u00e4nta. Den initiala r\u00e4ntan p\u00e5 en ARM \u00e4r fast f\u00f6r en viss tid. D\u00e4refter justeras den r\u00e4nta som till\u00e4mpas p\u00e5 den utest\u00e5ende skulden regelbundet, med \u00e5rliga eller till och med m\u00e5natliga intervaller.<\/p>

I de flesta fall har du m\u00f6jlighet att v\u00e4lja om du vill beh\u00e5lla r\u00e4ntan under hela l\u00e5nets l\u00f6ptid eller om du vill l\u00e5ta den fluktuera upp och ner. Den initiala l\u00e5ner\u00e4ntan f\u00f6r en ARM \u00e4r ofta fastst\u00e4lld till en l\u00e4gre r\u00e4nta \u00e4n f\u00f6r ett liknande l\u00e5n med fast r\u00e4nta.<\/p>

ARM:er kallas ibland f\u00f6r l\u00e5n med r\u00f6rlig r\u00e4nta eller r\u00f6rliga l\u00e5n. R\u00e4ntan p\u00e5 en ARM justeras beroende p\u00e5 ett riktm\u00e4rke eller index, plus en marginal som kallas ARM-marginal. London Interbank Offered Rate \u00e4r det vanligaste indexet som anv\u00e4nds f\u00f6r ARM:er (LIBOR).<\/p>

Den fasta perioden f\u00f6r en ARM kan vara mellan 5, 7 eller 10 \u00e5r. D\u00e4refter b\u00f6rjar en justeringsperiod och r\u00e4ntan p\u00e5 ARM kan stiga eller sjunka beroende p\u00e5 vilket index som anv\u00e4nds.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Fasta och justerbara l\u00e5n med fast r\u00e4nta<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Du kan v\u00e4lja mellan ett l\u00e5n med fast r\u00e4nta och ett l\u00e5n med justerbar r\u00e4nta som blivande bostadsk\u00f6pare. S\u00e5 vad \u00e4r skillnaden mellan de tv\u00e5?<\/p>

Ett l\u00e5n med fast r\u00e4nta ger st\u00f6rre s\u00e4kerhet eftersom r\u00e4ntan \u00e4r konstant under l\u00e5nets l\u00f6ptid. Detta s\u00e4kerst\u00e4ller att din m\u00e5natliga amortering f\u00f6rblir densamma under hela l\u00e5netiden.<\/p>

En ARM-kredit kan \u00e5 andra sidan ta ut mindre r\u00e4nta under introduktionsperioden, vilket leder till en l\u00e4gre f\u00f6rsta m\u00e5nadsbetalning. Efter den f\u00f6rsta perioden kommer dock r\u00e4ntef\u00f6r\u00e4ndringar att p\u00e5verka dina betalningar. ARM:er kan bli billigare n\u00e4r r\u00e4ntorna sjunker. ARM:er kan dock bli dyrare n\u00e4r r\u00e4ntorna stiger.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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\u00d6verensst\u00e4mmande Vs. Icke-konforma ARM-l\u00e5n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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L\u00e5n som \"\u00f6verensst\u00e4mmer\" med Fannie Mae och Freddie Macs regler kallas \"\u00f6verensst\u00e4mmande l\u00e5n\". S\u00e5 l\u00e4nge l\u00e5nen uppfyller Fannie Maes och Freddie Macs finansieringsnormer och de monet\u00e4ra restriktioner som fastst\u00e4llts av Federal Housing Finance Agency (FHFA) kan l\u00e5ngivarna s\u00e4lja de l\u00e5n som de har tagit fram till dessa statligt st\u00f6dda organisationer f\u00f6r ompaketering p\u00e5 den sekund\u00e4ra marknaden f\u00f6r hypoteksl\u00e5n.<\/p>

Ett l\u00e5n betraktas som avvikande om det inte motsvarar Fannie Mae-, Freddie Mac- eller FHFA-standarderna. Innan man f\u00f6rbinder sig till ett icke-konformt l\u00e5n \u00e4r det viktigt att f\u00f6rst\u00e5 riskerna fullt ut.<\/p>

L\u00e5ntagare kan ha legitima behov av ett icke-konformt hypoteksl\u00e5n, och de allra flesta icke-konforma hypoteksl\u00e5nare \u00e4r p\u00e5litliga f\u00f6retag. Du b\u00f6r granska det finstilta om r\u00e4nte\u00e4ndringar i ett nonconforming ARM mycket noggrant innan du godk\u00e4nner l\u00e5net.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Typer av ARM<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Justerbara bol\u00e5n finns inte i en enda smak<\/a>. Det finns olika alternativ f\u00f6r att finansiera en bostad och du b\u00f6r kunna hitta det alternativ som fungerar b\u00e4st f\u00f6r dig.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Hybrid ARM<\/strong><\/h4>

Hybrid-ARM:er inneh\u00e5ller en period med fast och en period med justerbar r\u00e4nta. R\u00e4ntan p\u00e5 denna form av l\u00e5n kommer att vara fast fr\u00e5n b\u00f6rjan och b\u00f6rjar sedan fluktuera under en best\u00e4md period.<\/p>

Denna information representeras ofta av tv\u00e5 heltal. I de flesta fall anger det f\u00f6rsta talet hur l\u00e4nge den fasta r\u00e4ntan till\u00e4mpas p\u00e5 l\u00e5net, medan det andra talet anger varaktigheten eller frekvensen f\u00f6r \u00e4ndringen av den r\u00f6rliga r\u00e4ntan.<\/p>

En 2\/28 ARM har till exempel en fast r\u00e4nta i tv\u00e5 \u00e5r f\u00f6ljt av en r\u00f6rlig r\u00e4nta under de f\u00f6ljande 28 \u00e5ren. En 5\/1 ARM har d\u00e4remot en fast r\u00e4nta under de f\u00f6rsta fem \u00e5ren, f\u00f6ljt av en r\u00f6rlig r\u00e4nta som \u00e4ndras \u00e5rligen (vilket anges av siffran ett efter snedstrecket). P\u00e5 samma s\u00e4tt skulle en 5\/5 ARM b\u00f6rja med en fast r\u00e4nta i fem \u00e5r och sedan justeras vart femte \u00e5r.<\/p>

R\u00e4ntefri ARM (I-O)<\/strong><\/h4>

Det \u00e4r ocks\u00e5 m\u00f6jligt att f\u00e5 en r\u00e4ntefri ARM (I-O), vilket inneb\u00e4r att du bara betalar r\u00e4nta p\u00e5 l\u00e5net under en viss tidsperiod - vanligtvis 3 till 10 \u00e5r. N\u00e4r denna period l\u00f6per ut m\u00e5ste du betala b\u00e5de r\u00e4nta och kapital p\u00e5 l\u00e5net.<\/p>

Dessa program \u00e4r attraktiva f\u00f6r konsumenter som vill betala mindre p\u00e5 sina l\u00e5n under de f\u00f6rsta \u00e5ren f\u00f6r att frig\u00f6ra pengar f\u00f6r andra \u00e4ndam\u00e5l, t.ex. f\u00f6r att k\u00f6pa m\u00f6bler till sitt nya hus. Denna f\u00f6rdel har f\u00f6rst\u00e5s en kostnad: ju l\u00e4ngre du bara betalar r\u00e4nta I-O-perioden, desto st\u00f6rre blir dina betalningar n\u00e4r den l\u00f6per ut.<\/p>

Se det som att betalningarna v\u00e4ntar p\u00e5 att du ska b\u00f6rja betala dem. Om du bara tar en kort paus i betalningen av kapitalet kommer du att bel\u00f6nas med en l\u00e4gre m\u00e5nadsavgift. Ju l\u00e4ngre du stannar fr\u00e5n att betala huvuddelen (eftersom \u00e5ren f\u00f6rblir desamma p\u00e5 ARM:en), desto fler \u00e5r ackumuleras en h\u00f6gre betalning av huvuddel + r\u00e4nta. Du sprider betalningarna \u00f6ver en kortare tid, och d\u00e4rf\u00f6r blir de h\u00f6gre.<\/p>

Betalningsoption ARM<\/strong><\/h4>

En ARM med betalningsalternativ \u00e4r en ARM med m\u00e5nga betalningsmetoder. Dessa alternativ omfattar ofta betalningar som t\u00e4cker b\u00e5de r\u00e4nta och kapital, betalningar som bara t\u00e4cker r\u00e4nta och betalningar som inte ens t\u00e4cker r\u00e4nta.<\/p>

Det kan verka lockande att bara betala r\u00e4ntan eller ett minimalt belopp. T\u00e4nk dock p\u00e5 att du m\u00e5ste betala tillbaka hela beloppet till l\u00e5ngivaren senast det datum som anges i avtalet och att r\u00e4ntekostnaderna blir h\u00f6gre n\u00e4r principen inte betalas helt. Om du forts\u00e4tter att betala av lite efter lite kommer din skuld att forts\u00e4tta att v\u00e4xa - kanske till oh\u00e5llbara proportioner.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Omfinansiering av en ARM<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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En ARM kan vara l\u00e4mplig i vissa fall, men vad h\u00e4nder om din ekonomiska situation f\u00f6r\u00e4ndras? F\u00f6r att f\u00e5 mer stabilitet \u00e4n vad en ARM kan ge kan du refinansiera din ARM till ett l\u00e5n med fast r\u00e4nta.<\/p>

Lyckligtvis \u00e4r f\u00f6rfarandet ganska enkelt. Du tar ett nytt l\u00e5n f\u00f6r att betala av det befintliga l\u00e5net om du vill refinansiera. D\u00e4refter b\u00f6rjar du betala tillbaka det nya bol\u00e5net.<\/p>

Eftersom du ans\u00f6ker om ett nytt l\u00e5n m\u00e5ste du g\u00e5 igenom m\u00e5nga av samma processer som n\u00e4r du f\u00f6rst ans\u00f6kte om din ARM. Det kommer till exempel n\u00e4stan s\u00e4kert att kr\u00e4vas l\u00f6nespecifikationer, kontoutdrag och andra bevis p\u00e5 inkomster och skulder.<\/p>

Unders\u00f6k de aktuella r\u00e4ntorna f\u00f6r att se om det \u00e4r en l\u00e4mplig tidpunkt f\u00f6r en refinansiering till ett l\u00e5n med fast r\u00e4nta. Om r\u00e4ntorna \u00e4r h\u00f6gre \u00e4n f\u00f6r din befintliga ARM \u00e4r det kanske inte det b\u00e4sta alternativet att byta l\u00e5n.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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F\u00f6rdelar med ett l\u00e5n med justerbar r\u00e4nta<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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ARM kan hj\u00e4lpa l\u00e5ntagare att f\u00e5 den l\u00e4gsta r\u00e4ntan. M\u00e5nga l\u00e5n ger l\u00e5ga startr\u00e4ntor.\u00a0<\/p>

De initiala l\u00e5ga m\u00e5nadsbetalningarna kan verka som en kampanjr\u00e4nta, men de hj\u00e4lper din budget. Du kanske kan betala extra p\u00e5 ditt kapital varje m\u00e5nad.<\/p>

Denna ekonomiska flexibilitet \u00e4r idealisk f\u00f6r personer som vill flytta snart efter att ha k\u00f6pt en fastighet. Om du planerar att s\u00e4lja fastigheten innan r\u00e4ntan justeras kommer eventuella f\u00f6r\u00e4ndringar inte att p\u00e5verka din budget, f\u00f6rutsatt att f\u00f6rs\u00e4ljningen sker som planerat och du inte l\u00e4ngre \u00e4r skyldig bol\u00e5net.<\/p>

Om du k\u00f6per ett hus som du vill bygga upp kan du ocks\u00e5 dra nytta av dessa f\u00f6rdelar. Om du kan s\u00e4lja din fastighet innan r\u00e4ntan \u00e4ndras \u00e4r riskerna med ARM blygsamma.<\/p>

Med en ARM:s l\u00e4gre inledande m\u00e5nadsbetalningar kan du spara pengar och uppn\u00e5 andra ekonomiska m\u00e5l. Du kan samla pengar f\u00f6r att f\u00f6rbereda dig f\u00f6r en eventuell r\u00e4nteh\u00f6jning efter den f\u00f6rsta l\u00f6ptiden.<\/p>

Om du flyttar till en plats d\u00e4r du inte kommer att stanna i mer \u00e4n fem \u00e5r och vill ha den l\u00e4gsta r\u00e4ntan p\u00e5 ett l\u00e5n kan en ARM vara det b\u00e4sta valet f\u00f6r dig.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Nackdelar med ett l\u00e5n med justerbar r\u00e4nta<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Ett l\u00e5n med justerbar r\u00e4nta (ARM), liksom andra typer av l\u00e5n, \u00e4r inte helt utan nackdelar. Om du tar ett bol\u00e5n med justerbar r\u00e4nta uts\u00e4tts du f\u00f6r den stora risken, dvs. m\u00f6jligheten att din r\u00e4nta kan stiga. Om detta skulle intr\u00e4ffa b\u00f6r du r\u00e4kna med en \u00f6kning av beloppet f\u00f6r din bol\u00e5nebetalning varje m\u00e5nad.<\/p>

Om r\u00e4ntesatser och m\u00e5nadsbetalningar kan f\u00f6r\u00e4ndras kan det vara sv\u00e5rt att g\u00f6ra korrekta prognoser om din nuvarande och framtida ekonomiska situation. Om r\u00e4ntorna skulle stiga \u00e4r det troligt att du kan f\u00e5 sv\u00e5rt att betala de st\u00f6rre m\u00e5nadsbetalningarna om detta intr\u00e4ffar. P\u00e5 grund av marknadens volatilitet b\u00f6r blivande hus\u00e4gare t\u00e4nka tv\u00e5 g\u00e5nger innan de tar ett l\u00e5n med justerbar r\u00e4nta.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Vem b\u00f6r \u00f6verv\u00e4ga en ARM? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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ARM kan vara mer meningsfullt f\u00f6r vissa bostadsk\u00f6pare, s\u00e4rskilt f\u00f6r dem som flyttar ofta eller s\u00f6ker ett f\u00f6rsta hem. Om du inte letar efter ett hem f\u00f6r evigt kan det leda till en l\u00e4gre amortering om du k\u00f6per en ARM och s\u00e4ljer den innan den fasta r\u00e4ntan l\u00f6per ut.<\/p>

Det finns naturligtvis alltid en m\u00f6jlighet att du inte kan s\u00e4lja din bostad innan r\u00e4ntan stiger. Om du inte kan s\u00e4lja b\u00f6r du \u00f6verv\u00e4ga att refinansiera till ett l\u00e5n med fast r\u00e4nta eller ett nytt l\u00e5n med justerbar r\u00e4nta. Om r\u00e4ntorna inte \u00e4r l\u00e5sta kan de dock stiga innan villkoren f\u00f6r din refinansiering tr\u00e4der i kraft.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Hitta de b\u00e4sta villkoren och r\u00e4ntorna f\u00f6r justerbara bol\u00e5n f\u00f6r dig<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

What Is an Adjustable-Rate Mortgage (ARM)? A variable-rate mortgage (ARM) is a type of house loan with a variable interest rate. The initial interest rate on an ARM is fixed for a set length of time. Following that, the interest rate applied to the outstanding debt is adjusted on a regular basis, at yearly or […]<\/p>","protected":false},"author":8,"featured_media":2931,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[27],"tags":[],"class_list":["post-2930","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"yoast_head":"\nUnderstanding an Adjustable-Rate Mortgage (ARM) - Heide International LLC<\/title>\n<meta name=\"description\" content=\"Adjustable rate mortgages (ARMs) are a type of mortgage in which the interest rate can change every year. 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