Realkreditten drejer på omkostningsskruen – igen

Af Kim Valentin 96

Bidragssatserne på realkreditlån steg igen – denne gang var det Nykredit. Hvorfor stiger priserne og hvorfor er realkreditpriser så uigennemskuelige?

De seneste 5 år har realkreditselskaberne langsomt men sikkert gjort det væsentligt dyrere at være realkreditkunde. Det danske realkreditsystem leverer stadig nogle af verdens billigste boliglån, men det er i mange tilfælde blevet dobbelt så dyrt at handle realkredit. Det var nok ikke gået, hvis det var mælk eller kartofler, det drejede sig om.

Grunde til højere omkostninger på realkredit

Realkreditselskaberne har to undskyldninger for at forklare de voldsomme prisstigninger. Den første går på, at selskaberne skal lægge flere penge til side til reserver. Den anden handler om, at de korte F1- og F2-realkreditlån skal udfases, og at prisstigningerne skal lokke/piske kunderne til at vælge andre lån.

Begge forklaringer er sådan set rimelige nok – på kort sigt. Men undskyldningerne har en udløbsdato. Der må være grænser for, hvor mange penge der skal sættes af til øgede reserver, og når det er sket, så kan og bør priserne sættes ned igen.

Det klinger til gengæld hult, når realkreditsektoren varsler prisstigningerne over hele linjen og sikrer sig større fortjenester på alle typer lån. Finanskrisen bliver kort sagt brugt som undskyldning for at tjene flere penge til realkreditselskaberne og dermed også til bankerne, der jo ejer store dele af realkreditsektoren. Nykredit/Totalkredit er, som det eneste af de store selskaber, ikke ejet af bankerne, men har til gengæld strategiske bankinteresser og store ambitioner med Nykredit Bank.

Banker øger indtjening på realkredit

Bankerne ser realkreditbranchen som en mulighed for at få adgang til et stort antal kunder. Problemet, set fra bankerne, har været, at indtjeningen i realkreditsektoren ikke lever op til bankernes normalt høje krav til indtjening. Omkostningerne for kunden har simpelthen været for lave i bankernes perspektiv, så det er de nu ved at ændre på.

Man kunne mistænke bankerne for helt at ville afskaffe realkreditsystemet og indføre en ren bankmodel, men det er heldigvis ikke lykkedes – indtil videre. Til gengæld er det lykkedes at gøre realkreditmarkedet uigennemsigtigt for forbrugerne og at hæve omkostningerne i ly heraf.  På længere sigt tegner muligheden sig, for at EU lægger hindringer i vejen for den danske realkreditmodel. Der græder bankerne tørre tårer over.

Nykredit hæver priserne

I denne omgang var det altså Nykredit/Totalkredits tur til at sætte prisen op gældende fra 1. januar 2015. Næste måned er det sikkert et andet selskab, for det slutter ikke her.

Læs Nykredits meddelelse om nye priser

Nykredit benytter lejligheden til at indføre et nyt realkreditlån, som skal erstatte de gamle F1- og F2-lån. Erstatningen er et lån med variabel rente og en angiveligt bedre sikring i mod fremtidige finanskriser, hvilket i sig selv jo er meget godt. Men de nye produkter gør det også muligt at tjene flere penge på kunderne, og lur mig om den mulighed ikke bliver udnyttet til fulde.

Uigennemskuelige priser på realkreditlån

Antallet af gebyrer, kurtager, kursfradrag, bidrag og mange flere er blevet så stort, at det er nærmest umuligt at forstå for den almindelige kunde. Er det ikke tilstrækkeligt med en enkelt pris på et lån, der er til at forstå? Burde det ikke være god forretning for selskaberne at gøre det nemt at være realkreditkunde?

Med venlig hilsen

Kim Valentin

Finanshuset i Fredensborg

 

Kim Valentin skriver hver uge om realkredit, skat, pension og privatøkonomi i ugebrevet FinansNyt. Send mig FinansNyt helt gratis

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