Ålandsbanken, ICA Banken och Ikano Bank startar tillsammans med Söderberg & Partners och Borgo ett gemensamt hypoteksbolag. Att det gemensamma bolaget kommer till stånd beror sannolikt och i mångt och mycket på att SBAB tidigare avslutat sitt samarbete med både Ikano Bank och ICA Banken.
Ett bolånesamarbete med kniven på strupen
Ikano Bank har sedan samarbetet med SBAB avslutades inget bolåneerbjudande alls. Och ICA Banken, vars samarbete med SBAB upphör den 1 december 2019, riskerar då att hamna i samma situation. Den tredje banketören Ålandsbanken erbjuder däremot bolån i egen regi idag. Med samarbetet vill Ålandsbanken troligen bredda sin repertoar och erbjuda mer än bolån med tre månaders bindningstid, vilket enligt tillgänglig statistik är det som i huvudsak tecknats av deras kunder. Det finns goda förutsättningar för framgång; men samtidigt är frågan om samarbetet så att säga tvingats fram med kniven på strupen.
Tre blir en – en reducering av antalet bolåneaktörer med två. Eller!? ?
Att vi får en ny aktör på bolånemarknaden är positivt. Det bör innebära mer konkurrens och lägre bolåneräntor för dig med bolån. Dock är det idag oklart om samtliga banker i samarbetet kommer att ha samma erbjudande eller om de så att säga ska ”konkurrera” med varandra. Skulle det förstnämnda gälla skulle antalet aktörer i sådana fall minska. Detta eftersom tre aktörer nu kommer att ha ”samma” erbjudande. Men eftersom Ikano Bank och ICA Banken haft eller har SBAB:s ränteerbjudande medan Ålandsbanken haft en egen lösning, innebär samarbetet att antalet aktörer ”bara” kan sägas minska med en.
Ett samarbete mellan fem parter innebär samtidigt att det är många aktörer som ska dela på kakan. Missförstå mig rätt, bankerna tjänar idag bra med pengar på sina bolån, så det finns goda möjligheter att sänka bolåneräntorna. Men för att det inte bara ska bli smulor över till samtliga samarbetspartners kanske prispressen inte blir vad den kunde blivit med färre aktörer i samarbetet. Något som kan råda bot på det är att även Söderberg & partners kommer bli mer aktiva med att förmedla eller distribuera bolån till sina kunder; och att intäkterna härigenom kommer av kvantiteten av bolån.
Bolånemarknaden behöver ett räntekrig
Ingen rök utan eld sägs det. Vi får verkligen hoppas att de tre banketörerna med sina två samarbetsparters skjuter skarp. För vi behöver mer än lösa skott för att få ner räntorna på bolånemarknaden till en mer rimlig nivå. Givetvis ska bankerna tjäna pengar på sina bolån. Men inte så mycket som idag!
Hi are using WordPress for your blog platform? I’m new to the blog
world but I’m trying to get started and set up my own. Do
you require any html coding knowledge to make your own blog?
Any help would be greatly appreciated!
After looking at a number of the blog posts on your web page, I honestly like your technique of blogging.
I book marked it to my bookmark website list and will be checking back in the near future.
Please check out my web site too and tell me
what you think.
Awesome post.
great put up, very informative. I wonder why the opposite experts of this sector don’t notice
this. You must continue your writing. I am confident, you have a huge readers’ base already!
I seriously love your blog.. Great colors & theme.
Did you develop this website yourself? Please reply back as I’m trying to create my own blog
and want to learn where you got this from or exactly what the theme
is called. Kudos!
Hi, its fastidious paragraph about media print, we all understand media is a enormous source
of data.
This article is truly a fastidious one it helps new web visitors, who are
wishing in favor of blogging.
hey there and thank you for your information – I have definitely picked up something new from right here.
I did however expertise a few technical issues using this
web site, since I experienced to reload the web site a lot of times previous to I could get it to
load correctly. I had been wondering if your web host is OK?
Not that I am complaining, but slow loading instances times will
very frequently affect your placement in google and could damage your quality
score if advertising and marketing with Adwords. Anyway I’m adding this RSS to my e-mail and
could look out for a lot more of your respective interesting content.
Ensure that you update this again very soon.
magnificent points altogether, you simply received a brand new reader.
What may you recommend about your publish that you just made
some days ago? Any positive?
Hi, I do think this is a great website. I stumbledupon it
😉 I may come back yet again since I bookmarked it.
Money and freedom is the best way to change, may you
be rich and continue to help other people.
Since the admin of this site is working, no hesitation very quickly it will
be renowned, due to its quality contents.
I have been browsing online greater than 3 hours as of
late, but I never found any interesting article like yours.
It is pretty value enough for me. In my view, if all web
owners and bloggers made excellent content as you
probably did, the net will likely be much more useful than ever before.
Fantastic beat ! I wish to apprentice while you amend your website, how could i
subscribe for a blog web site? The account helped me a acceptable deal.
I had been tiny bit acquainted of this your broadcast offered bright clear
concept
You’re so interesting! I don’t believe I’ve truly read a
single thing like that before. So good to find another person with unique thoughts
on this subject. Really.. thank you for starting this up. This site is
one thing that is needed on the web, someone
with a little originality!
Do you have a spam issue on this site; I also am a blogger, and I
was curious about your situation; many of us have developed some nice methods and we are looking to exchange techniques with other folks,
why not shoot me an email if interested.
I do believe all of the concepts you’ve offered in your
post. They are very convincing and can certainly work. Nonetheless, the posts are very short
for starters. May just you please prolong them a little from subsequent time?
Thank you for the post.
What’s up, just wanted to tell you, I loved this article.
It was inspiring. Keep on posting!
It’s a shame you don’t have a donate button! I’d without a doubt
donate to this superb blog! I suppose for now i’ll settle
for bookmarking and adding your RSS feed to my Google account.
I look forward to fresh updates and will talk about this blog
with my Facebook group. Talk soon!
Hi there Dear, are you really visiting this website on a regular basis, if so then you will definitely obtain nice
experience.
Hello to every body, it’s my first go to see of this web site; this webpage includes awesome and
genuinely good data in favor of visitors.
Wonderful post! We will be linking to this great post on our website.
Keep up the great writing.
I am regular reader, how are you everybody? This article posted at this web
page is genuinely fastidious.
Hi! Would you mind if I share your blog with my zynga group?
There’s a lot of folks that I think would really appreciate your content.
Please let me know. Thanks
Link exchange is nothing else but it is just placing the other person’s webpage
link on your page at suitable place and other person will also do same for you.
Thank you for every other wonderful article. Where else may just anyone get that kind of info in such an ideal way of writing?
I have a presentation subsequent week, and I’m at the look for such info.
It’s an remarkable paragraph designed for all the internet people; they will get benefit from it I am sure.
Great site you have here but I was wondering if you knew of any community
forums that cover the same topics talked about here?
I’d really love to be a part of group where I can get responses from other
knowledgeable individuals that share the same interest. If you have any suggestions, please let me know.
Thanks!
Hi there, I enjoy reading all of your post. I wanted to write a little
comment to support you.
Hey there! Someone in my Myspace group shared this website with us so I came to
take a look. I’m definitely loving the information.
I’m bookmarking and will be tweeting this to my followers!
Fantastic blog and fantastic design and style.
Pretty! This was an extremely wonderful article.
Thanks for providing this info.