Kharashka gurigu ma aha amaah keliya
Dulsaarku wuu muuqdaa, laakiin adeegyada, dayactirka, bixinta amaahda, diiwaangelinta iyo canshuur-dhimistu waxay ka baxaan isla miisaaniyadda.
Ka bilow koontada, ha ka bilaabin xayeysiiska
Marka hore ogow bisha waxa qoyska qaadi karo, ma aha inta bangigu oggol yahay.
Guryo isku eg waxay yeelan karaan khatar kala duwan
Guri ka jaban oo kharash joogto ah sareeyo wuu ka culusaan karaa mid qaali ah oo kharashkiisu deggan yahay.
Guuristu lacag caddaan ah bay cuntaa
Diiwaangelin, rahmad, laba kharash guri iyo rarid badanaa isku mar bay yimaadaan.
Xisaabiyayaal la xiriira
Xisaabiyaha amaahdii guriga
Xisaabi bolån Swedish ah adigoo raacaya bolånetak iyo amorteringskrav: qadarka amaahda, belåningsgrad, kharashka dulsaarka, amortisation-ka ugu yar iyo qiyaasta kharashka bille iyadoo lagu salaynayo qiimaha, lacagta hormarinta, heerka dulsaar iyo dakhliga guud ee qoyska.
Aragti cad oo ku saabsan belåningsgrad (85%), heerarka amorteringskrav (50/70%) iyo kordhinta ratio-ga amaah/ dakhli (4.5×) — ku habboon stress test adigoo adeegsanaya kalkylränta.
Fur xisaabiyaha amaahdii gurigaXisaabiyaha lagfart (canshuurta siin-tuurka)
Qiyaas kharashka lagfart ee Sweden adigoo isku daraya canshuurta siin-tuurka iyo khidmada diiwaangelinta ee go’an, iyadoo la adeegsanayo qiimaha ugu sarreeya ee u dhexeeya qiimaha iibka iyo qiimaha canshuurta.
Muujiya 1.5% qofka gaarka ah ama 4.25% shirkad, mar walbana wuxuu adeegsadaa qiimaha ugu sarreeya ee u dhexeeya qiimaha iyo taxeringsvärde.
Xisaabi lagfartXisaabiyaha Pantbrev (deyn-hubinta guri)
Qiyaas kharashka pantbrev adigoo xisaabinaya pantbrev cusub, canshuurta 2% iyo khidmada go’an ee 375 SEK.
Waxay muujisaa inta amaahda ah ee daboolan pantbrev hore iyo kharashka saxda ah ee pantbrev cusub.
Xisaabi pantbrevKala-jarista dulsaarka (ränteavdrag)
Ku qiyaas inta dulsaarka aad sannadkii bixisay ee aad ka soo celinayso canshuurta iyadoo loo marayo ränteavdrag-ka Iswiidhan.
Waxay tusaysaa kala-qaybsanaanta 30% iyo 21% iyo kharashkaaga dhabta ah marka canshuurta la dhimo.
Fur xisaabiyaha kala-jarista dulsaarkaMushahar nadiif ah kadib canshuur
Qiyaas mushaharka aad qaadanayso kadib canshuurta degmada, canshuurta dowlad dhexe, cashuurta kaniisadda iyo kaydka hawlgabka ikhtiyaariga ah.
Waxay tixgelisaa canshuurta dowladda Sweden, cashuurta kaniisadda iyo xulashada degmada.
Fur xisaabiyaha mushaharka