Hypoteket fortsätter öka sin omsättning men bromsas av storbankerna
Enligt Statistiska centralbyrån, SCB, utgör bolån 82% av svenskarnas belåning. Det rör sig om 3 458 miljarder kronor som vi i Sverige skuldsatt oss med för att betala för sitt boende. Cirka 10 miljarder av dessa lånas i dagsläget ut av Hypoteket som vill konkurrera med storbankerna. Den nuvarande utlåningssumman är en dubblering från föregående år.
“Vi siktar på att fortsätta växa i samma takt”, säger grundaren och vd:n Carl Johan Nordquist.
Hypoteket är dock inte ensamma om att utmana storbankerna. Stabelo, som marknadsför av både Nordned och Avanza, är fortfarande störst bland utmanarna med ett utlånat kapital om 16 miljarder kronor.
“Vi har valt lite olika vägar. Vi har valt att bygga vårt eget varumärke, på egen sajt. Men det är bra att vi är flera aktörer som utmanar de traditionella storbankerna”, fortsätter Carl Johan Nordquist.
Hypoteket verkar inom ramarna för bostadskrediter
De juridiska ramar som Hypoteket är verksamma inom går under segmentet “bostadskrediter”. Detta är en relativt ny form av finansiell verksamhet som står under Finansinspektionens tillsyn. Den nya finansiella formen tillkom efter initiativ från EU i unionens övergripande jakt på förbättrade ekonomiska villkor för konsumenterna.
Tufft att hitta finansiering
Det är inte ovanligt att läsa nyheter om diverse finansiell institut som regelbundet tar in ny Finansiering. Enligt Carl Johan Nordquist är det dock inte så enkelt som det kanske verkar.
“Det är inte så enkelt att hitta finansiering som man kan tro. Vi samarbetar med institutionella investerare, framför allt försäkringsbolag och pensionsfonder som investerar kapital över lång tid”, säger Carl Johan Nordquist. Enligt han själv får de bättre avkastning av att låna ut pengar till Hypoteket. Det vanligaste alternativet är att lägga pengarna i bankernas bostadsobligationer.
Amorteringsunderlag hämmar konkurrensen
Amorteringsunderlag är en handling som förklarar hur kundens amorteringsplan ser ut och på vilka grunder amorteringen är satt. Det är vanligtvis kunden själv som måste beställa dokumentet från sin befintliga långivare för att sedan skicka vidare det till den nya. Bankerna kan dock även kräva att beställningen görs på telefon via sin kundtjänst.
Beställningen av amorteringsunderlaget görs i ett skede av flyttprocessen av lånet där kunden kan anses redan ha bestämt sig för att byta långivare. Det innebär att den förra utlånaren vet att kunden vill flytta och det är här storbankerna börjar med sin so kallade “win-back teams”, enligt Hypoteket.
“Vi hör det från våra kunder. Det tar några dagar att få handlingen, vilket gör att vår process att flytta kunden tar en paus och bankerna får tid på sig att komma med motbud. De kanske erbjuder en tillfällig rabatt som matchar vår egen ränta under en period, och då är det lätt att tacka ja”, säger Carl Johan Nordquist. Han menar att kravet på amorteringsunderlag i princip hämmar konkurrensen.
“Jag tror alla är överens om att det inte var så här amorteringsunderlaget skulle användas”, avslutar han.
Simon är sedan våren 2018 innehållsansvarig på Lånium med ett brinnande intresse för ekonomi och lånemarknaden. Med sin stora kunskap hjälper han våra användare att låna pengar tryggt och smart. Simon har en kandidatexamen som webbredaktör.
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