Property
Jørgen Løvseth (29) and Merethe Selnes (22) owns four apartments. Even should they be in the basement of Løvseths parents to earn the most from your rental income.
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Jørgen Løvseth (29) and her partner Merethe Selnes (22) owns a total of four apartments in Trondheim can be rented out.
the Couple has rental returns of 45.000 million per month in the four apartments. The borrowing costs per month are 44.300 million, says the. Even staying Løvseth and Selnes in kjellerleiligheten to Løvseths parents, to earn the most from your rental.
Løvseth believes they never would have had the opportunity to this, in a situation with stricter lånekrav, so financial supervisory authority of norway now has proposed.
It would have been difficult to start from the bottom, ” says Løvseth.
the Authority proposes, among other things, that the banks ‘power to deviate from the regulations’ requirements to betjeningsevne, belåningsgrad and payment in installations is removed, so that the banks can no longer operate in its sole discretion.
the Proposal is now on public consultation in the ministry, and the deadline of one month.
Four apartments on five years
In 2011, Løvseth their first apartment, while he studied. He inherited money from his (maternal) grandfather his and had with the father as medlåntaker.
I stayed there for a few months, ” says Løvseth.
Then he found out that he would move into the family cottage, to rent out the apartment. So he should save the money for a new apartment. In the summer of 2014, when he still was studying, he bought apartment number two. Last year was apartment number three purchased. On Thursday this week took over the samboerparet his fourth apartment.
House prices in Trondheim has risen 53.8 per cent in the last five years. Together with Oslo, Trondheim, the city that has had the greatest rise in house prices since 2011.
Løvseth has calculated that with the four apartments, sits the couple with an unrealized gain of 1.45 million.
29-year-old is self-employed, and operates as a transporter for matkasseselskaper, as well as the distribution of marketing material for a eiendomsmeglerforetak.
I have had a medium-low income, but lokalbanken has had the faith. That I start to see results by now, ” he says.
I have shown the ability and willingness to save and pay off loans. And so we have had the help of the increase in value of each apartment, ” he says.
Mean well leietilbud is important
Fagsjef Dag Jørgen Hveem for personal finance at BI Norwegian business School points out that the financial supervisory authority of norway with its suggestion aiming to that fewer to get a loan.
- It is not a major problem that the 29-year-old would have faced the wall at the revised regulations, he believes.
at the same time shows the Hveem that it is important to that it is a good leietilbud, and that, therefore, it can be positive that the people own multiple homes.
- It helps to keep rental prices down, which is good. Many will have a need for leiebolig, emphasizes Hveem.
- Fleksibilitetsregelen should not be changed
Hveem mean the rule that the banks can operate at the discretion of the 10 per cent of their loan customers should not be changed.
- In large parts of rural Norway, it is a lousy leiemarked. Own is in reality the only option in many places, he points out.
Hveem further shows that many would have faced the wall if you could not have a debt ratio higher than five times the earned income.
- It can be quite dramatic in several places. In my opinion, should fleksibilitetsregelen not be changed.
Those who are afflicted are those who do not have parents, or others, that may be to finance. They are a little more wealthy get it a little bit easier by the fact that the competition on the objects being anything less, ” he says.
Nor does the chief economist Elisabeth Holvik in the Sparebank 1 group believe the measures will work on them they are meant for – those who buy property only as an investment.
I don’t think the measures taken by the financial supervisory authority of norway will have any effect, because there is plenty of money in circulation in the economy. Those who have a lot of money, is looking for a location. Where is the property tax in a class of its own, said Holvik to DN in the previous week.
New housing in 2019
Plan ahead for Selnes and Løvseth is to wait a few years before they buy their next item. They see for themselves that boliglånsrentene going up from 2019.
Forward to it, we’re going to build a buffer and pay off debt. When the time comes, we are in a position to get an item number five. I’m not going to provide me with it first, ” says Løvseth.
To buy a home to live in have not paired any need for yet.
- we Need an apartment, we have the four to choose from. But you have to give something up when you should invest.
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