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57 %

Det er dyrt å bytte bolig, er noe vi stadig hører. Og ja, jeg kan være enig ! 
 
Av Tormod Boldvik, nestleder i NEF styret.

Det er ingen grunn til å diskutere om det er dyrt. Temaet er kanskje heller hvorfor det er så dyrt å skifte bolig. Som eiendomsmegler opplever jeg litt for ofte å sitte igjen med ”skylda”.

Et enkelt regnestykke viser at en boligtransaksjon i størrelsesorden kr. 4.000.000,- fort gir en samlet kostnad på kr. 230.000,- for kjøper og selger.

Av dette går om lag 60.000,- til meglerforetaket. Kr. 40.000,- går til fotografering, taksering, eierskifteforsikring og markedsføring. Kr. 130.000,- går til tinglysingsgebyrer, kommunale gebyrer, dokumentavgift og mva. på meglerprovisjon/taksering/foto/…

57 % av alle kostnader ved boligbytte går direkte i statskassa. Det kunne vært moro å følge regnestykket videre og se på sluttregnestykket etter beskatning av inntektene hos de ulike leverandørene. Men vi stopper ved 57 %, det er ille nok !

Det er for så vidt greit at vi bidrar til fellesskapet. Jeg tenkte ikke å bruke tid på en generell diskusjon om beskatning. La oss heller bruke tid på uærlig tilnærming til boligmarkedet.

Forbrukerrådet opprettholder sin jakt på ”høye meglerprovisjoner”. De mener forbrukerne kan gjøre jobben selv, og kontakte en megler/advokat for å få bistand til kontraktsarbeidet. Forsikringer, annonsering, informasjonsinnhenting, etc. mener de forbrukerne skal få på plass på egen hånd. Så står vi igjen med en total kostnad på kr. 190.000,-. Megler: kr. 20.000,-, leverandører: kr. 40.000,-, staten: kr. 120.000,-. 63 % av alle kostnader, rett i statskassen. Kun en liten del av kostnaden ble borte, og jobben er gjort med sterkt begrenset kvalitetssikring.

Politikerne bekymrer seg også for transaksjonskostnader. Men mest av alt for ”galopperende boligpriser” og kredittvekst. Det diskuteres om kravet til egenkapital skal være 10, 15 eller 20 %. Sannheten er at svært mange har nok med å dekke dokumentavgiften, og ikke sjelden ser vi at også denne har vært en del av finansieringen.

Salgskostnader trekkes fra selgers egenkapital, og kjøpskostnader øker prisen på boligen man kjøper. Bankene finansierer det man mangler av kapital, selvsagt etter forvarlighetsvurderinger. De kr. 130.000,- man betaler inn i statskassa ved et typisk boligbytte er således ikke penger man har, men penger man låner. Og den eneste grunnen til at den midlertidige dokumentavgiften (det var faktisk det Sigbjørn Johnsen sa den var, når den kom i 1988) ikke har fått mer motstand er at den pakkes inn i et lån som betjenes over 25 år.

Kunne det vært noe for Forbrukerrådet å vurdere rimeligheten av at forbrukeren tar opp lån for å betale skatt? Eller er mandatet kun å jakte på eiendomsmeglerne?

Kunne det vært noe for finanspolitikerne å vurdere dokumentavgiften i relasjon til kravet om økt egenkapital. De er åpenbart redd for at bankene skal finansiere til pipa, og innvilge 100 %. Men betenkeligheten blir borte når det er snakk om å begrave pipa i gjeld, for å øke skatteinntaket.

Jeg skulle like å se den finanspolitikeren som sier til barnefamilien på jakt etter et rekkehus til kr. 3.000.000,-. De med studiegjeld på kr. 500.000,- fordi de har ønsket å skaffe seg kunnskapskapital for å bidra godt i samfunnet.

”Først så skaffer dere kr. 530.000,-. Banken er pålagt å kreve kr. 450.000,- i egenkapital og vi skal ha kr. 80.000,- i skatt”

Det kunne blitt dårlig oppslutning av slikt. Så da er det vel bedre å stå bak Forbrukerrådet når de kritiserer meglerprovisjonene…

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