{"id":2500,"date":"2026-10-23T01:49:46","date_gmt":"2026-10-22T23:49:46","guid":{"rendered":"https:\/\/eklik.co\/?page_id=2500"},"modified":"2026-10-23T01:54:20","modified_gmt":"2026-10-22T23:54:20","slug":"lanekalkyl","status":"publish","type":"page","link":"https:\/\/eklik.co\/sv\/lanekalkyl\/","title":{"rendered":"L\u00e5nekalkyl: r\u00e4kna ut m\u00e5nadskostnad, r\u00e4nta och amortering"},"content":{"rendered":"<h1>L\u00e5nekalkyl: r\u00e4kna ut m\u00e5nadskostnad, r\u00e4nta och amortering<\/h1>\n<p>Fyll i l\u00e5nebelopp, r\u00e4nta och l\u00f6ptid s\u00e5 ser du direkt m\u00e5nadskostnaden, den totala r\u00e4ntekostnaden och en uppskattning av den effektiva r\u00e4ntan. Kalkylen fungerar f\u00f6r privatl\u00e5n, bill\u00e5n och bol\u00e5n, med annuitet eller rak amortering.<\/p>\n<div class=\"ekl\" id=\"ekl-se\" data-ekl=\"{&quot;fmt&quot;:[&quot;,&quot;,&quot;\\u00a0&quot;,&quot;kr&quot;,&quot;after&quot;,&quot;\\u00a0&quot;,&quot;\\u00a0&quot;],&quot;s&quot;:{&quot;amount&quot;:&quot;L\\u00e5nebelopp&quot;,&quot;rate&quot;:&quot;R\\u00e4nta&quot;,&quot;rate_sub&quot;:&quot;nominell, per \\u00e5r&quot;,&quot;term&quot;:&quot;L\\u00f6ptid&quot;,&quot;y&quot;:&quot;\\u00e5r&quot;,&quot;m&quot;:&quot;m\\u00e5n&quot;,&quot;years&quot;:&quot;\\u00c5r&quot;,&quot;months&quot;:&quot;M\\u00e5nader&quot;,&quot;type&quot;:&quot;Amorteringsform&quot;,&quot;ann&quot;:&quot;Annuitet&quot;,&quot;ann_sub&quot;:&quot;lika stora betalningar&quot;,&quot;lin&quot;:&quot;Rak amortering&quot;,&quot;lin_sub&quot;:&quot;betalningen minskar&quot;,&quot;fee&quot;:&quot;Uppl\\u00e4ggningsavgift&quot;,&quot;fee_sub&quot;:&quot;valfritt, % av beloppet&quot;,&quot;payment&quot;:&quot;M\\u00e5nadskostnad&quot;,&quot;first&quot;:&quot;F\\u00f6rsta betalningen&quot;,&quot;last&quot;:&quot;Sista betalningen&quot;,&quot;interest&quot;:&quot;Total r\\u00e4ntekostnad&quot;,&quot;fee_amt&quot;:&quot;Uppl\\u00e4ggningsavgift&quot;,&quot;total&quot;:&quot;Totalt att betala&quot;,&quot;eff&quot;:&quot;effektiv r\\u00e4nta (uppskattning)&quot;,&quot;eff_note&quot;:&quot;Uppskattningen av effektiv r\\u00e4nta omfattar r\\u00e4nta och uppl\\u00e4ggningsavgift, utan f\\u00f6rs\\u00e4kringar och andra avgifter.&quot;,&quot;plan&quot;:&quot;Amorteringsplan&quot;,&quot;by_y&quot;:&quot;Per \\u00e5r&quot;,&quot;by_m&quot;:&quot;Per m\\u00e5nad&quot;,&quot;c_y&quot;:&quot;\\u00c5r&quot;,&quot;c_m&quot;:&quot;M\\u00e5nad&quot;,&quot;c_pay&quot;:&quot;Betalt&quot;,&quot;c_pr&quot;:&quot;Amortering&quot;,&quot;c_in&quot;:&quot;R\\u00e4nta&quot;,&quot;c_bal&quot;:&quot;Kvar att betala&quot;,&quot;split&quot;:&quot;F\\u00f6rdelning amortering och r\\u00e4nta&quot;,&quot;err&quot;:&quot;Kontrollera uppgifterna: belopp \\u00f6ver 0, r\\u00e4nta 0\\u201330 % och l\\u00f6ptid 1\\u201340 \\u00e5r.&quot;,&quot;note&quot;:&quot;V\\u00e4gledande ber\\u00e4kning. Den faktiska kostnaden beror p\\u00e5 bankens erbjudande, utbetalningsdag och andra avgifter.&quot;,&quot;copy&quot;:&quot;Kopiera resultatet&quot;,&quot;copied&quot;:&quot;Kopierat&quot;,&quot;csv&quot;:&quot;Ladda ner plan (CSV)&quot;},&quot;cc&quot;:&quot;SE&quot;}\" lang=\"sv-SE\">\r\n\t<form class=\"ekl-calc\" autocomplete=\"off\" novalidate onsubmit=\"return false\">\r\n\t\t<div class=\"ekl-in\">\r\n\t\t\t<div class=\"ekl-field\">\r\n\t\t\t\t<label class=\"ekl-label\" for=\"ekl-se-amount\">L\u00e5nebelopp<\/label>\r\n\t\t\t\t<div class=\"ekl-input\"><input id=\"ekl-se-amount\" data-f=\"amount\" type=\"text\" inputmode=\"decimal\" value=\"200\u00a0000\"><span class=\"ekl-unit\">kr<\/span><\/div>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"ekl-two\">\r\n\t\t\t\t<div class=\"ekl-field\">\r\n\t\t\t\t\t<label class=\"ekl-label\" for=\"ekl-se-rate\">R\u00e4nta <small>nominell, per \u00e5r<\/small><\/label>\r\n\t\t\t\t\t<div class=\"ekl-input\"><input id=\"ekl-se-rate\" data-f=\"rate\" type=\"text\" inputmode=\"decimal\" value=\"6\"><span class=\"ekl-unit\">%<\/span><\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"ekl-field\">\r\n\t\t\t\t\t<label class=\"ekl-label\" for=\"ekl-se-term\">L\u00f6ptid<\/label>\r\n\t\t\t\t\t<div class=\"ekl-input\"><input id=\"ekl-se-term\" data-f=\"term\" type=\"text\" inputmode=\"numeric\" value=\"5\">\r\n\t\t\t\t\t\t<select data-f=\"unit\" aria-label=\"L\u00f6ptid\"><option value=\"y\" selected>\u00c5r<\/option><option value=\"m\">M\u00e5nader<\/option><\/select>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"ekl-presets\" role=\"group\" aria-label=\"L\u00f6ptid\">\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset\" data-years=\"3\">3 \u00e5r<\/button>\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset is-on\" data-years=\"5\">5 \u00e5r<\/button>\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset\" data-years=\"10\">10 \u00e5r<\/button>\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset\" data-years=\"15\">15 \u00e5r<\/button>\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset\" data-years=\"20\">20 \u00e5r<\/button>\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset\" data-years=\"25\">25 \u00e5r<\/button>\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset\" data-years=\"30\">30 \u00e5r<\/button>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t<fieldset class=\"ekl-field\">\r\n\t\t\t\t<legend class=\"ekl-label\">Amorteringsform<\/legend>\r\n\t\t\t\t<div class=\"ekl-seg\">\r\n\t\t\t\t\t<input type=\"radio\" name=\"ekl-se-type\" id=\"ekl-se-ann\" value=\"ann\" checked>\r\n\t\t\t\t\t<label for=\"ekl-se-ann\">Annuitet<small>lika stora betalningar<\/small><\/label>\r\n\t\t\t\t\t<input type=\"radio\" name=\"ekl-se-type\" id=\"ekl-se-lin\" value=\"lin\">\r\n\t\t\t\t\t<label for=\"ekl-se-lin\">Rak amortering<small>betalningen minskar<\/small><\/label>\r\n\t\t\t\t<\/div>\r\n\t\t\t<\/fieldset>\r\n\t\t\t<div class=\"ekl-field ekl-field--fee\">\r\n\t\t\t\t<label class=\"ekl-label\" for=\"ekl-se-fee\">Uppl\u00e4ggningsavgift <small>valfritt, % av beloppet<\/small><\/label>\r\n\t\t\t\t<div class=\"ekl-input ekl-input--sm\"><input id=\"ekl-se-fee\" data-f=\"fee\" type=\"text\" inputmode=\"decimal\" value=\"0\"><span class=\"ekl-unit\">%<\/span><\/div>\r\n\t\t\t<\/div>\r\n\t\t\t<p class=\"ekl-err\" role=\"alert\" hidden>Kontrollera uppgifterna: belopp \u00f6ver 0, r\u00e4nta 0\u201330 % och l\u00f6ptid 1\u201340 \u00e5r.<\/p>\r\n\t\t<\/div>\r\n\t\t<div class=\"ekl-out\" aria-live=\"polite\">\r\n\t\t\t<div class=\"ekl-hero\">\r\n\t\t\t\t<span class=\"ekl-hero__k\" data-o=\"pay_label\">M\u00e5nadskostnad<\/span>\r\n\t\t\t\t<span class=\"ekl-hero__v\" data-o=\"pay\">3\u00a0866,56\u00a0kr<\/span>\r\n\t\t\t\t<span class=\"ekl-hero__sub\" data-o=\"pay_sub\"><\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<dl class=\"ekl-sum\">\r\n\t\t\t\t<div><dt>Total r\u00e4ntekostnad<\/dt><dd data-o=\"interest\">31\u00a0993,60\u00a0kr<\/dd><\/div>\r\n\t\t\t\t<div data-o=\"fee_row\" hidden><dt>Uppl\u00e4ggningsavgift<\/dt><dd data-o=\"fee\">0,00\u00a0kr<\/dd><\/div>\r\n\t\t\t\t<div><dt>Totalt att betala<\/dt><dd data-o=\"total\">231\u00a0993,60\u00a0kr<\/dd><\/div>\r\n\t\t\t\t<div><dt>effektiv r\u00e4nta (uppskattning)<\/dt><dd data-o=\"eff\">6,17\u00a0%<\/dd><\/div>\r\n\t\t\t<\/dl>\r\n\t\t\t<div class=\"ekl-bar\" role=\"img\" aria-label=\"F\u00f6rdelning amortering och r\u00e4nta\">\r\n\t\t\t\t<span class=\"ekl-bar__p\" data-o=\"bar_p\" style=\"width:86.21%\"><\/span><span class=\"ekl-bar__i\" data-o=\"bar_i\" style=\"width:13.79%\"><\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"ekl-legend\"><span><i class=\"ekl-dot ekl-dot--p\"><\/i>Amortering <b data-o=\"leg_p\">200\u00a0000,00\u00a0kr<\/b><\/span><span><i class=\"ekl-dot ekl-dot--i\"><\/i>R\u00e4nta <b data-o=\"leg_i\">31\u00a0993,60\u00a0kr<\/b><\/span><\/div>\r\n\t\t\t<p class=\"ekl-note\">Uppskattningen av effektiv r\u00e4nta omfattar r\u00e4nta och uppl\u00e4ggningsavgift, utan f\u00f6rs\u00e4kringar och andra avgifter.<\/p>\r\n\t\t\t<div class=\"ekl-actions\"><button type=\"button\" class=\"ekl-btn\" data-a=\"copy\">Kopiera resultatet<\/button><button type=\"button\" class=\"ekl-btn\" data-a=\"csv\">Ladda ner plan (CSV)<\/button><\/div>\r\n\t\t<\/div>\r\n\t<\/form>\r\n\t<div class=\"ekl-plan\">\r\n\t\t<div class=\"ekl-plan__head\">\r\n\t\t\t<h3 class=\"ekl-plan__title\">Amorteringsplan<\/h3>\r\n\t\t\t<div class=\"ekl-tabs\" role=\"tablist\">\r\n\t\t\t\t<button type=\"button\" role=\"tab\" aria-selected=\"true\" data-view=\"y\">Per \u00e5r<\/button><button type=\"button\" role=\"tab\" aria-selected=\"false\" data-view=\"m\">Per m\u00e5nad<\/button>\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t<div class=\"ekl-table-wrap\" tabindex=\"0\">\r\n\t\t\t<table class=\"ekl-table\">\r\n\t\t\t\t<thead><tr><th scope=\"col\" data-o=\"col_p\">\u00c5r<\/th><th scope=\"col\">Betalt<\/th><th scope=\"col\">Amortering<\/th><th scope=\"col\">R\u00e4nta<\/th><th scope=\"col\">Kvar att betala<\/th><\/tr><\/thead>\r\n\t\t\t\t<tbody data-o=\"tbody\">\r\n\t\t\t\t\t\t\t\t\t<tr><td>1<\/td><td>46\u00a0398,72\u00a0kr<\/td><td>35\u00a0360,63\u00a0kr<\/td><td>11\u00a0038,09\u00a0kr<\/td><td>164\u00a0639,37\u00a0kr<\/td><\/tr>\r\n\t\t\t\t\t\t\t\t\t<tr><td>2<\/td><td>46\u00a0398,72\u00a0kr<\/td><td>37\u00a0541,59\u00a0kr<\/td><td>8\u00a0857,13\u00a0kr<\/td><td>127\u00a0097,78\u00a0kr<\/td><\/tr>\r\n\t\t\t\t\t\t\t\t\t<tr><td>3<\/td><td>46\u00a0398,72\u00a0kr<\/td><td>39\u00a0857,08\u00a0kr<\/td><td>6\u00a0541,64\u00a0kr<\/td><td>87\u00a0240,70\u00a0kr<\/td><\/tr>\r\n\t\t\t\t\t\t\t\t\t<tr><td>4<\/td><td>46\u00a0398,72\u00a0kr<\/td><td>42\u00a0315,40\u00a0kr<\/td><td>4\u00a0083,32\u00a0kr<\/td><td>44\u00a0925,30\u00a0kr<\/td><\/tr>\r\n\t\t\t\t\t\t\t\t\t<tr><td>5<\/td><td>46\u00a0398,72\u00a0kr<\/td><td>44\u00a0925,30\u00a0kr<\/td><td>1\u00a0473,42\u00a0kr<\/td><td>0,00\u00a0kr<\/td><\/tr>\r\n\t\t\t\t\t\t\t\t<\/tbody>\r\n\t\t\t<\/table>\r\n\t\t<\/div>\r\n\t\t<p class=\"ekl-note\">V\u00e4gledande ber\u00e4kning. Den faktiska kostnaden beror p\u00e5 bankens erbjudande, utbetalningsdag och andra avgifter.<\/p>\r\n\t<\/div>\r\n<\/div>\r\n\t\n<h2>S\u00e5 r\u00e4knas m\u00e5nadskostnaden ut<\/h2>\n<p>Med ett annuitetsl\u00e5n \u00e4r alla m\u00e5nadsbetalningar lika stora. Betalningen r\u00e4knas ut med formeln:<\/p>\n<p><strong>B = L \u00d7 r \u00d7 (1 + r)<sup>n<\/sup> \/ ((1 + r)<sup>n<\/sup> \u2212 1)<\/strong><\/p>\n<ul>\n<li><strong>L<\/strong> \u00e4r l\u00e5nebeloppet,<\/li>\n<li><strong>r<\/strong> \u00e4r m\u00e5nadsr\u00e4ntan, allts\u00e5 den nominella \u00e5rsr\u00e4ntan delad med 12,<\/li>\n<li><strong>n<\/strong> \u00e4r antalet m\u00e5nadsbetalningar.<\/li>\n<\/ul>\n<p><strong>Exempel:<\/strong> ett l\u00e5n p\u00e5 200 000 kr med 6 % r\u00e4nta och 5 \u00e5rs l\u00f6ptid (60 betalningar) ger en m\u00e5nadskostnad p\u00e5 3 866,56 kr. Du betalar totalt 31 993,60 kr i r\u00e4nta, allts\u00e5 231 993,60 kr inklusive l\u00e5nebeloppet.<\/p>\n<p>Varje betalning best\u00e5r av r\u00e4nta och amortering. I b\u00f6rjan \u00e4r r\u00e4ntedelen st\u00f6rst, och i takt med att skulden minskar g\u00e5r en allt st\u00f6rre del till amortering. Amorteringsplanen under kalkylen visar exakt hur det ser ut.<\/p>\n<h2>Annuitet eller rak amortering<\/h2>\n<p>Med <strong>annuitet<\/strong> \u00e4r betalningen lika stor under hela l\u00f6ptiden, vilket g\u00f6r det l\u00e4tt att planera ekonomin. Med <strong>rak amortering<\/strong> betalar du av lika mycket p\u00e5 skulden varje m\u00e5nad, s\u00e5 den f\u00f6rsta betalningen \u00e4r h\u00f6gst och minskar sedan successivt.<\/p>\n<p>I samma exempel (200 000 kr, 6 %, 5 \u00e5r) blir den f\u00f6rsta betalningen med rak amortering 4 333,33 kr och den sista 3 350,20 kr. Den totala r\u00e4ntan blir 30 500,00 kr, vilket \u00e4r 1 493,60 kr mindre \u00e4n med annuitet eftersom skulden minskar snabbare.<\/p>\n<h2>Nominell r\u00e4nta och effektiv r\u00e4nta<\/h2>\n<p>Den nominella r\u00e4ntan anv\u00e4nds f\u00f6r att r\u00e4kna ut r\u00e4ntekostnaden. Den <strong>effektiva r\u00e4ntan<\/strong> visar l\u00e5nets verkliga \u00e5rliga kostnad: den tar h\u00e4nsyn till att r\u00e4ntan betalas m\u00e5nadsvis och till avgifter som uppl\u00e4ggningsavgift. D\u00e4rf\u00f6r \u00e4r den alltid n\u00e5got h\u00f6gre \u00e4n den nominella r\u00e4ntan.<\/p>\n<p>Med en nominell r\u00e4nta p\u00e5 6 % och m\u00e5nadsbetalningar blir den effektiva r\u00e4ntan cirka 6,17 %. Med en uppl\u00e4ggningsavgift p\u00e5 1 % (2 000,00 kr) stiger den till cirka 6,61 %. J\u00e4mf\u00f6r d\u00e4rf\u00f6r alltid l\u00e5n utifr\u00e5n den effektiva r\u00e4ntan.<\/p>\n<h2>M\u00e5nadskostnad f\u00f6r ett bol\u00e5n p\u00e5 1 000 000 kr<\/h2>\n<p>Tabellen visar m\u00e5nadskostnaden med annuitet f\u00f6r ett l\u00e5n p\u00e5 1 000 000 kr vid olika r\u00e4ntor och l\u00f6ptider, f\u00f6re r\u00e4nteavdrag.<\/p>\n<table>\n<thead>\n<tr>\n<th>R\u00e4nta<\/th>\n<th>20 \u00e5r<\/th>\n<th>25 \u00e5r<\/th>\n<th>30 \u00e5r<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>3 %<\/td>\n<td>5 545,98 kr<\/td>\n<td>4 742,11 kr<\/td>\n<td>4 216,04 kr<\/td>\n<\/tr>\n<tr>\n<td>4 %<\/td>\n<td>6 059,80 kr<\/td>\n<td>5 278,37 kr<\/td>\n<td>4 774,15 kr<\/td>\n<\/tr>\n<tr>\n<td>5 %<\/td>\n<td>6 599,56 kr<\/td>\n<td>5 845,90 kr<\/td>\n<td>5 368,22 kr<\/td>\n<\/tr>\n<tr>\n<td>6 %<\/td>\n<td>7 164,31 kr<\/td>\n<td>6 443,01 kr<\/td>\n<td>5 995,51 kr<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>En l\u00e4ngre l\u00f6ptid s\u00e4nker m\u00e5nadskostnaden men \u00f6kar den totala r\u00e4ntan kraftigt. F\u00f6r 1 000 000 kr \u00f6ver 25 \u00e5r med 4 % r\u00e4nta blir m\u00e5nadskostnaden 5 278,37 kr och den totala r\u00e4ntan 583 510,21 kr. Bol\u00e5n i Sverige har ofta l\u00e4ngre amorteringstid \u00e4n 30 \u00e5r; kalkylen visar fullst\u00e4ndig \u00e5terbetalning under vald l\u00f6ptid.<\/p>\n<h2>Bunden eller r\u00f6rlig r\u00e4nta<\/h2>\n<p>Med bunden r\u00e4nta \u00e4r r\u00e4ntan densamma under den avtalade perioden, s\u00e5 kostnaden \u00e4r f\u00f6ruts\u00e4gbar. R\u00f6rlig r\u00e4nta f\u00f6ljer marknadsr\u00e4ntan och kan stiga eller sjunka under l\u00e5nets l\u00f6ptid. I Sverige \u00e4r r\u00f6rlig r\u00e4nta (tre m\u00e5naders bindningstid) vanlig p\u00e5 bol\u00e5n och p\u00e5verkas fr\u00e4mst av Riksbankens styrr\u00e4nta.<\/p>\n<h2>T\u00e4nk p\u00e5 detta innan du l\u00e5nar<\/h2>\n<ul>\n<li>J\u00e4mf\u00f6r den effektiva r\u00e4ntan hos olika l\u00e5ngivare, inte bara den nominella r\u00e4ntan.<\/li>\n<li>Kontrollera alla kostnader: uppl\u00e4ggningsavgift, aviavgifter, f\u00f6rs\u00e4kringar och pantbrev.<\/li>\n<li>Ta reda p\u00e5 villkoren f\u00f6r f\u00f6rtidsinl\u00f6sen och eventuell r\u00e4nteskillnadsers\u00e4ttning.<\/li>\n<li>Ha en buffert i budgeten om den r\u00f6rliga r\u00e4ntan stiger.<\/li>\n<\/ul>\n<p>Mer om dina r\u00e4ttigheter som l\u00e5ntagare finns hos <a href=\"https:\/\/www.fi.se\/\" target=\"_blank\" rel=\"noopener\">Finansinspektionen<\/a>.<\/p>\n<p><em>V\u00e4gledande ber\u00e4kning. Den faktiska kostnaden, effektiva r\u00e4ntan och amorteringsplanen framg\u00e5r av l\u00e5ngivarens erbjudande och avtal.<\/em><\/p>\n<section class=\"eklik-faq\" id=\"cesta-pitanja\"><h2>Vanliga fr\u00e5gor<\/h2><div class=\"eklik-faq__item\"><h3 class=\"eklik-faq__q\">Hur r\u00e4knar jag ut m\u00e5nadskostnaden f\u00f6r ett l\u00e5n?<\/h3><div class=\"eklik-faq__a\"><p>F\u00f6r ett annuitetsl\u00e5n anv\u00e4nds formeln B = L \u00d7 r \u00d7 (1 + r)^n \/ ((1 + r)^n \u2212 1), d\u00e4r L \u00e4r l\u00e5nebeloppet, r m\u00e5nadsr\u00e4ntan (\u00e5rsr\u00e4ntan delad med 12) och n antalet betalningar. Kalkylen p\u00e5 den h\u00e4r sidan r\u00e4knar ut det automatiskt.<\/p><\/div><\/div><div class=\"eklik-faq__item\"><h3 class=\"eklik-faq__q\">Vad blir m\u00e5nadskostnaden f\u00f6r 200 000 kr p\u00e5 5 \u00e5r?<\/h3><div class=\"eklik-faq__a\"><p>Med 6 % r\u00e4nta och annuitet blir m\u00e5nadskostnaden 3 866,56 kr. Den totala r\u00e4ntan blir 31 993,60 kr och totalt betalar du tillbaka 231 993,60 kr.<\/p><\/div><\/div><div class=\"eklik-faq__item\"><h3 class=\"eklik-faq__q\">Vad \u00e4r effektiv r\u00e4nta?<\/h3><div class=\"eklik-faq__a\"><p>Effektiv r\u00e4nta visar l\u00e5nets verkliga \u00e5rliga kostnad, inklusive m\u00e5nadsvis r\u00e4nta och avgifter. Med 6 % nominell r\u00e4nta och 1 % uppl\u00e4ggningsavgift blir den cirka 6,61 %.<\/p><\/div><\/div><div class=\"eklik-faq__item\"><h3 class=\"eklik-faq__q\">Annuitet eller rak amortering \u2013 vad \u00e4r b\u00e4st?<\/h3><div class=\"eklik-faq__a\"><p>Annuitet ger lika stora betalningar och \u00e4r l\u00e4ttare att planera. Rak amortering ger h\u00f6gre betalningar i b\u00f6rjan men l\u00e4gre total r\u00e4nta. F\u00f6r 200 000 kr p\u00e5 5 \u00e5r med 6 % \u00e4r skillnaden 1 493,60 kr.<\/p><\/div><\/div><div class=\"eklik-faq__item\"><h3 class=\"eklik-faq__q\">Vad kostar ett bol\u00e5n p\u00e5 1 000 000 kr per m\u00e5nad p\u00e5 25 \u00e5r?<\/h3><div class=\"eklik-faq__a\"><p>Med 4 % r\u00e4nta blir m\u00e5nadskostnaden 5 278,37 kr och den totala r\u00e4ntan 583 510,21 kr. Med 5 % blir den 5 845,90 kr per m\u00e5nad.<\/p><\/div><\/div><div class=\"eklik-faq__item\"><h3 class=\"eklik-faq__q\">Hur mycket sparar en procentenhet l\u00e4gre r\u00e4nta?<\/h3><div class=\"eklik-faq__a\"><p>F\u00f6r 1 000 000 kr p\u00e5 25 \u00e5r s\u00e4nker 4 % i st\u00e4llet f\u00f6r 5 % r\u00e4nta m\u00e5nadskostnaden med 567,53 kr och den totala r\u00e4ntan med 170 260,06 kr.<\/p><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>L\u00e5nekalkyl: r\u00e4kna ut m\u00e5nadskostnad, r\u00e4nta och amortering Fyll i l\u00e5nebelopp, r\u00e4nta och l\u00f6ptid s\u00e5 ser du direkt m\u00e5nadskostnaden, den totala r\u00e4ntekostnaden och en uppskattning av den effektiva r\u00e4ntan. Kalkylen fungerar f\u00f6r privatl\u00e5n, bill\u00e5n och bol\u00e5n, med annuitet eller rak amortering. S\u00e5 r\u00e4knas m\u00e5nadskostnaden ut Med ett annuitetsl\u00e5n \u00e4r alla m\u00e5nadsbetalningar lika stora. Betalningen r\u00e4knas ut&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2500","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>L\u00e5nekalkyl: r\u00e4kna ut m\u00e5nadskostnad, r\u00e4nta och effektiv r\u00e4nta<\/title>\n<meta name=\"description\" content=\"Gratis l\u00e5nekalkyl: r\u00e4kna ut m\u00e5nadskostnad, total r\u00e4ntekostnad och effektiv r\u00e4nta, och se amorteringsplanen per \u00e5r eller m\u00e5nad.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/eklik.co\/sv\/lanekalkyl\/\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta 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