{"id":260,"date":"2015-01-15T14:29:04","date_gmt":"2015-01-15T14:29:04","guid":{"rendered":"http:\/\/46.226.13.205\/?p=260"},"modified":"2025-01-17T12:34:48","modified_gmt":"2025-01-17T12:34:48","slug":"gunstig-sparing-med-bsu","status":"publish","type":"post","link":"https:\/\/\u00f8konomilappen.no\/?p=260","title":{"rendered":"Gunstig sparing med BSU"},"content":{"rendered":"<p>Den mest lukrative m\u00e5ten \u00e5 spare p\u00e5 er BSU \u2013 Boligsparing for ungdom. Dette er et banksparetilbud til og med det \u00e5ret du fyller 33 \u00e5r. BSU er s\u00e5 gunstig at de skal ha gode grunner for \u00e5 velge en annen spareform. BSU gir skattefradrag og en h\u00f8y innskuddsrente.<\/p>\n<h1><strong>Regler for BSU<\/strong><\/h1>\n<ul>\n<li>Du m\u00e5 v\u00e6re under 34 \u00e5r.<\/li>\n<li>Du kan spare inntil 27 500 kroner i \u00e5ret og 300 000 kroner totalt.<\/li>\n<li>Har du skattbar inntekt, f\u00e5r du et skattefradrag p\u00e5 10 prosent av sparebel\u00f8pet, alts\u00e5 2 750 kroner i \u00e5ret dersom du sparer maksimumsbel\u00f8pet.<\/li>\n<li>Pengene du setter inn p\u00e5 BSU-kontoen kan kun brukes til boligkj\u00f8p etter at spareavtalen ble inng\u00e5tt.<\/li>\n<li>BSU-pengene kan ogs\u00e5 brukes til \u00e5 nedbetale l\u00e5n p\u00e5 bolig som du allerede har kj\u00f8pt.<\/li>\n<li>BSU er en fleksibel spareordning: du er ikke bundet til et fast sparebel\u00f8p, og du kan ta en sparepause.<\/li>\n<li>Bankene gir god rente p\u00e5 BSU-sparing.<\/li>\n<\/ul>\n<h1><strong>Egenkapital til bolig<\/strong><\/h1>\n<p>Ved \u00e5 spare i BSU skaffer du deg egenkapital til bolig. Myndighetene har bestemt at alle som kj\u00f8per bolig b\u00f8r ha minst 10 prosent av kj\u00f8pesummen i form av egne oppsparte penger, egenkapital.<\/p>\n<p><strong>For eksempel:<\/strong> Har du planer om \u00e5 kj\u00f8pe en leilighet til to millioner kroner, m\u00e5 du ha minst 200 000 kroner i egenkapital. Jo mer du har klart \u00e5 spare opp selv, jo mindre m\u00e5 eventuelt foreldrene dine stille opp med i tillegg. Da viser du banken at du har god kontroll p\u00e5 egen \u00f8konomi; du klarer \u00e5 spare.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ingen over, ingen ved side. BSU er den smarteste m\u00e5ten \u00e5 spare p\u00e5!<\/p>\n","protected":false},"author":1,"featured_media":591,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[2],"class_list":["post-260","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-sparing"],"_links":{"self":[{"href":"https:\/\/\u00f8konomilappen.no\/index.php?rest_route=\/wp\/v2\/posts\/260","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/\u00f8konomilappen.no\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/\u00f8konomilappen.no\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/\u00f8konomilappen.no\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/\u00f8konomilappen.no\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=260"}],"version-history":[{"count":6,"href":"https:\/\/\u00f8konomilappen.no\/index.php?rest_route=\/wp\/v2\/posts\/260\/revisions"}],"predecessor-version":[{"id":924,"href":"https:\/\/\u00f8konomilappen.no\/index.php?rest_route=\/wp\/v2\/posts\/260\/revisions\/924"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/\u00f8konomilappen.no\/index.php?rest_route=\/wp\/v2\/media\/591"}],"wp:attachment":[{"href":"https:\/\/\u00f8konomilappen.no\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=260"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/\u00f8konomilappen.no\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=260"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/\u00f8konomilappen.no\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=260"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}