Overall, it becomes small changes in the private economy.
The Alliance’s budget won over the government means that there will not be any major changes that affect household finances in the state budget. However, some less.
Those who use snuff or smoke may pay a little more for the box or cigarette package. Wine and spirits are a couple of dollars more bottle. Students can borrow a few hundred dollars more a month.
– The government’s budget were more private economic changes, while the Alliance’s most maintains that it has completed in the past, says Jens Magnusson, an economist at SEB.
But it is not just the state budget that govern our personal finances. In almost every third municipality there will be tax increases next year, with between five cents and just over a penny earned per hundred, according to Statistics Sweden. Overall affected four out of ten taxpayers.
At most, it means a few hundred pieces less in your wallet each month for those earning 25 000.
Meanwhile, those who work expect salary increases of a few percent. In combination with non-existent inflation gives more money to spend. But the gap for those without jobs, and retirees increases.
On the plus side for households are energy prices, which have fallen in recent times, low oil prices and low interest rates. Interest rates are important for many, above all mortgages are a major expense item.
– Interest rates are low and will probably continue to be, which makes it easier for the household economy. But there are also things that can push up costs, says Jens Magnusson.
He is primarily aimed on the amortization requirements is happening, but also to increased requirements for banks can increase their costs. Costs, they can then take it out on the customers through higher interest rates.
– We believe you it will amortization requirements for new mortgages. There are many details left for the FSA to report on how one defines new loans, but it seems that it will apply each time you move house.
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