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aria-labelledby="header-2023-id-:R2ae:-bar-item"><div class="c63d5h0" id="header-2023-id-:R2ae:-bar-item">Hae</div><svg width="24" height="24" viewbox="0 0 24 24" fill="none" aria-hidden="true" role="img" class="c63d5h2"><path fill-rule="evenodd" clip-rule="evenodd" d="M16.618 18.032a9 9 0 1 1 1.414-1.414l3.675 3.675a1 1 0 0 1-1.414 1.414l-3.675-3.675ZM4 11a7 7 0 1 1 12.042 4.856 1.012 1.012 0 0 0-.186.186A7 7 0 0 1 4 11Z" fill="currentColor"></path></svg></a></div><div class="_6n20yd7 _6n20yd3"><div tabindex="-1" class="_14s4rj1"><input class="_14s4rj0 accessible-menu-checkbox" autocomplete="off" type="checkbox" id="header-2023-id-:R2qe:-menu-tgl-checkbox" role="switch" aria-label="Aiheet ja palvelut -valikko" aria-expanded="false" aria-controls="header-2023-id-:R2qe:-menu" data-testid="header-drawer-toggle-checkbox"/><label data-testid="header-drawer-toggle" class="c63d5h1 fck75q3 eopu3j0 _1svl7jy4" for="header-2023-id-:R2qe:-menu-tgl-checkbox" 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href="https://web.archive.org/web/20240402055114/https://areena.yle.fi/tv/opas" data-testid="header-drawer-submenu-link"><span class="fck75q3">TV-opas</span></a></li><li><a class="_1bvm4mm2 eopu3j0" href="https://web.archive.org/web/20240402055114/https://areena.yle.fi/podcastit/opas" data-testid="header-drawer-submenu-link"><span class="fck75q3">Radio-opas</span></a></li><li><a class="_1bvm4mm2 eopu3j0" href="/web/20240402055114/https://yle.fi/uutiset/rss" data-testid="header-drawer-submenu-link"><span class="fck75q3">RSS-syötteet</span></a></li></ul><div class="bqq79o0"><a href="https://web.archive.org/web/20240402055114/https://areena.yle.fi/" class="_1m3quf81 eopu3j0" data-testid="header-areena-promo"><svg viewbox="0 0 120 18" fill="none" xmlns="http://www.w3.org/2000/svg" class="_1m3quf80"><title>Yle Areena</title><path d="M17.9106 0.83486V17.1651C17.9106 17.6102 17.5266 18 17.1058 18H0.840919C0.383949 17.9992 0 17.6102 0 17.1644V0.83486C0 0.371663 0.383949 0 0.840919 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3.79633H8.38093C8.24745 3.79633 7.84073 3.79633 7.84073 4.20192V4.52703C7.84073 4.65407 7.89647 4.94919 8.41469 4.94919H8.53717V11C8.53717 11.3456 8.61648 11.5602 9.00906 11.5602H9.24697C9.64819 11.5602 9.70237 11.2769 9.70237 11V4.64697C9.70237 4.32818 9.70237 3.79633 9.11113 3.79633ZM14.7432 10.4239C14.667 10.4239 14.5901 10.4389 14.5006 10.4563L14.4668 10.4626C14.2862 10.4989 13.9831 10.5596 13.5042 10.5596C12.2636 10.5596 12.1176 10.349 12.0783 9.37285H14.4503C14.9976 9.37285 15.2418 9.15664 15.2418 8.67213C15.2418 7.64237 15.0266 6.27171 13.165 6.27171C11.5931 6.27171 10.8919 7.12946 10.8919 9.05247C10.8919 10.9297 11.5452 11.6281 13.3016 11.6281C14.0318 11.6281 14.6097 11.5152 14.8366 11.4111C14.9811 11.3495 15.1138 11.2572 15.1138 11V10.8122C15.113 10.5699 14.9748 10.4239 14.7432 10.4239Z" fill="currentColor"></path><path d="M12.0846 8.41359C12.1301 7.57715 12.4701 7.20312 13.1831 7.20312H13.1838C13.8614 7.20312 14.1661 7.56532 14.1975 8.41202L12.0846 8.41359Z" fill="currentColor"></path><path d="M31.4197 13.2932H25.348L23.7136 18.0002H20.0957L26.4898 0.198242H30.7749L37.0436 18.0002H33.1032L31.4197 13.2932ZM28.4689 3.60924L26.1405 10.5302H30.6719L28.4689 3.60924Z" fill="currentColor"></path><path d="M49.178 18L45.1885 11.925H42.4616V18H38.9421V0.621C38.9421 0.621 41.1944 0 45.2332 0C49.8676 0 52.6393 1.62 52.6393 5.2515C52.6393 8.9595 50.3601 10.5525 48.7258 11.277L53.3826 18H49.178ZM42.466 9.1125H46.4556C48.1661 8.3925 48.9586 7.47 48.9586 5.6025C48.9586 3.6585 47.5706 2.889 45.2914 2.889C43.8541 2.889 42.466 3.1365 42.466 3.1365V9.1125Z" fill="currentColor"></path><path d="M55.4691 17.9996V0.24707H67.5319V3.25757H59.0109V7.71257H66.3677V10.6016H59.0109V14.9846H67.7558V17.9996H55.4691Z" fill="currentColor"></path><path d="M70.3842 17.9996V0.24707H82.4469V3.25757H73.926V7.71257H81.2828V10.6016H73.926V14.9846H82.6708V17.9996H70.3842Z" fill="currentColor"></path><path d="M88.7872 17.9996H85.2947V0.24707H88.5633L97.1111 11.4746V0.24707H100.631V17.9996H97.9798L88.7872 6.20057V17.9996Z" fill="currentColor"></path><path d="M113.831 13.2932H107.759L106.129 18.0002H102.511L108.901 0.198242H113.186L119.455 18.0002H115.514L113.831 13.2932ZM110.884 3.60924L108.556 10.5302H113.087L110.884 3.60924Z" fill="currentColor"></path></svg><p class="_1m3quf82 fck75q2">Sarjat. Podcastit. Suorat.</p></a></div><ul class="bqq79o6 bqq79o0" id="header-2023-drawer-sitemenu"><li><a class="_1bvm4mm2 eopu3j0" href="https://web.archive.org/web/20240402055114/https://svenska.yle.fi/" lang="sv" data-testid="header-drawer-sitemenu-link"><span class="fck75q3">Svenska</span></a></li><li><a class="_1bvm4mm2 eopu3j0" href="/web/20240402055114/https://yle.fi/sapmi" lang="se" data-testid="header-drawer-sitemenu-link"><span class="fck75q3">Sápmi</span></a></li><li><a class="_1bvm4mm2 eopu3j0" href="/web/20240402055114/https://yle.fi/news" lang="en" data-testid="header-drawer-sitemenu-link"><span class="fck75q3">News</span></a></li><li><a class="_1bvm4mm2 eopu3j0" href="/web/20240402055114/https://yle.fi/novosti" lang="ru" data-testid="header-drawer-sitemenu-link"><span class="fck75q3">Новости</span></a></li><li><a class="_1bvm4mm2 eopu3j0" href="/web/20240402055114/https://yle.fi/novyny" lang="uk" data-testid="header-drawer-sitemenu-link"><span class="fck75q3">Новини</span></a></li><li><a class="_1bvm4mm2 eopu3j0" href="/web/20240402055114/https://yle.fi/t/18-44136/fi" data-testid="header-drawer-sitemenu-link"><span class="fck75q3">Uudizet karjalakse</span></a></li></ul><ul class="bqq79o6 bqq79o0" id="header-2023-drawer-links"><li><a class="_1bvm4mm2 eopu3j0" href="/web/20240402055114/https://yle.fi/a/74-20031519" data-testid="header-drawer-links-link"><svg width="24" height="24" fill="none" viewbox="0 0 24 24" aria-hidden="true" class="_1bvm4mm1"><path fill="currentColor" fill-rule="evenodd" d="M12 8a5 5 0 1 0 0 10 5 5 0 0 0 0-10Zm-3 5a3 3 0 1 1 6 0 3 3 0 0 1-6 0ZM9 2a1 1 0 0 0-.832.445L6.465 5H3a3 3 0 0 0-3 3v11a3 3 0 0 0 3 3h18a3 3 0 0 0 3-3V8a3 3 0 0 0-3-3h-3.465l-1.703-2.555A1 1 0 0 0 15 2H9ZM7.832 6.555 9.535 4h4.93l1.703 2.555A1 1 0 0 0 17 7h4a1 1 0 0 1 1 1v11a1 1 0 0 1-1 1H3a1 1 0 0 1-1-1V8a1 1 0 0 1 1-1h4a1 1 0 0 0 .832-.445Z" clip-rule="evenodd"></path></svg><span class="fck75q3">Lähetä uutiskuva tai -video</span></a></li><li><a class="_1bvm4mm2 eopu3j0" 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Grafiikat näyttävät, kuinka ruotsalaisten arki on Suomea joustavampaa myös taloudellisesti tiukkoina aikoina.</p><div class="aw-1hwlbbb bnmrlv"><div class="aw-kzjed4 dgiUVP yle__article__date"><time class="aw-lsqctp jPSFYl yle__article__date--published" datetime="2024-01-20T07:00:36+02:00">20.1. 7:00</time><span aria-hidden="true" class="aw-131q90r bsXkQk">•</span><time class="aw-lsqctp jPSFYl yle__article__date--modified" datetime="2024-01-20T09:50:47+02:00">Päivitetty 20.1. 9:50</time></div><div><button aria-label="Jaa artikkeli" aria-disabled="false" id="share-menu-button" aria-haspopup="true" class="Buttonstyles__ButtonBase-sc-17sr1bx-0 Buttonstyles__ButtonText-sc-17sr1bx-3 jrqhnK kvhUhF"><span class="Buttonstyles__iconSize-sc-17sr1bx-4 Buttonstyles__IconWrapper-sc-17sr1bx-6 cazOWd dPcqZv yds-button__icon"><svg width="24" height="24" viewbox="0 0 24 24" fill="none" aria-hidden="true" class="aw-wi5224 fZrvxl"><path fill-rule="evenodd" clip-rule="evenodd" d="M12.43 3.078a1 1 0 0 1 1.087.207l8.182 8a1 1 0 0 1 0 1.43l-8.182 8a1 1 0 0 1-1.7-.715v-3.855h-.008c-1.968.029-3.972.988-5.827 2.417L3.61 20.389a1 1 0 0 1-1.592-.981l.5-2.597.014-.062c.23-.883.58-1.911.986-2.865.4-.94.88-1.876 1.387-2.532.964-1.246 2.07-2.138 3.405-2.709 1.057-.45 2.219-.684 3.508-.76V4a1 1 0 0 1 .612-.922Zm1.388 3.298v3.48h-1c-1.529 0-2.727.202-3.722.627-.984.42-1.826 1.081-2.609 2.093-.351.454-.753 1.206-1.129 2.09a19.46 19.46 0 0 0-.874 2.525l.277-.213c2.023-1.559 4.445-2.798 7.028-2.833h2.029v3.479L19.57 12l-5.752-5.624Z" fill="currentColor"></path></svg></span><span class="Buttonstyles__TextWrapper-sc-17sr1bx-7 WDnuQ yds-button__text">Jaa</span></button></div></div></div></div></header><section class="yle__article__content"><p class="aw-1gybjub aw-am3gsa jxdWmn jQcoET yle__accessibilityText">Osa artikkelin sisällöstä ei ole välttämättä saavutettavissa esimerkiksi ruudunlukuohjelmalla.</p><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph"><strong class="aw-ak79eh hgoSon yle__article__strong">TYÖRYHMÄ: ERKKA MIKKONEN, BENJAMIN SUOMELA JA KAROLIINA JUNTUNEN</strong></p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph"><strong class="aw-ak79eh hgoSon yle__article__strong">MÖLNDAL</strong> Tässä on keskiluokkainen ruotsalaisperhe: isä <strong class="aw-ak79eh hgoSon yle__article__strong">Eric Malm</strong> ja äiti <strong class="aw-ak79eh hgoSon yle__article__strong">Signe Bremell</strong> sekä lapset <strong class="aw-ak79eh hgoSon yle__article__strong">Nike</strong>, 7, <strong class="aw-ak79eh hgoSon yle__article__strong">David</strong>, 5, ja <strong class="aw-ak79eh hgoSon yle__article__strong">Ester</strong>, 1,5.</p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">He seisovat kotinsa edessä Göteborgin kyljessä sijaitsevassa Mölndalissa.</p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Ruotsalaisen lapsiperheen arki muistuttaa monin tavoin suomalaista, mutta erojakin löytyy. Niiden ansiosta ruotsalaiset voivat pärjätä suomalaisia paremmin myös tiukkoina aikoina.</p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><div class="aw-1dnbj3b fxARb yle__article__infogram"> <div class="infogram-embed" data-id="e13f9ef5-4d4a-4575-a953-20c75cb3b7ed" data-type="interactive" data-title=""></div> </div></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Tässä jutussa tarkastelemme ruotsalaisia asuntolainoja, vanhempainvapaita ja harrastusmahdollisuuksia. Ne tekevät taloudenpidon länsinaapurissa joustavaksi ja jättävät joka kuukausi enemmän rahaa käteen Suomeen verrattuna.</p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><h2 class="sc-gEvEer dSgPhs yle__article__heading yle__article__heading--2">Ruotsin ”ikuisissa” asuntolainoissa lyhennykset ovat pieniä</h2></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Kun Malmin ja Bremellin perhe neljä vuotta sitten osti omakotitalonsa, näytti taloustilanne toisenlaiselta.</p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Ruotsissa asuntovelallisten korkomenot ovat kohonneet Suomea enemmän. Malmin perheessä korko on noussut lainanottohetken 1,3 prosentista nykyiseen 4,7 prosenttiin.</p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Suurempi eroa Suomeen verrattuna on kuitenkin lainojen lyhentämisessä.</p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Ruotsalaisten pitää lyhentää lainaa vain siihen saakka, kunnes puolet asunnon arvosta on maksettu. Asuntolainat ovat myös hyvin pitkiä, ja pakolliset lyhennykset ovat pienempiä kuin Suomessa.</p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Ruotsin lähes ikuiset ja kuukausitasolla edulliset lainat jättävät rahaa muuhun elämään – kuukausittaisiin menoihin tai sijoittamiseen. Toisaalta kun asuntolainat ovat pitkiä ja korkotaso korkea, ruotsalaiset maksavat tavallisesti paljon enemmän korkoja kuin suomalaiset.</p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><div class="aw-1dnbj3b fxARb yle__article__infogram"> <div class="infogram-embed" data-id="c3b82190-40f9-459a-8c89-4f3e1728bd63" data-type="interactive" data-title="Siniset palkit näyttävät, että Ruotsissa lyhennetään vähemmän lainoja kuukausittain kuin Suomessa vastaavasta lainasta."></div> </div></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><aside class="aw-hvvcsw iWkivn yle__article__aside" aria-label="Faktalaatikko"><div class="aw-x2e1x8 cpdveM"><div class="aw-10f13pq jmkHIG"><h2 class="sc-gEvEer dSgPhs yle__article__heading yle__article__heading--2">Näin asuntolainoja vertailtiin</h2><div id=":R1qkqm:" aria-hidden="true" class="aw-rhxsvz jCTwLm"><div tabindex="-1"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Malmin ja Bremellin perhe otti viiden miljoonan kruunun arvoisen asuntolainan kahdeksan miljoonan kruunun arvoiseen taloon. Kurssimuutos euroiksi on tehty joulukuussa 2023.</p><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Koska lainan määrä suhteessa asunnon arvoon on reilu 60 prosenttia, perheen tulee lyhentää vuodessa lainaa yhden prosentin verran. Kun lainan määrä suhteessa asunnon arvoon on alle puolet, perhe voi lopettaa lyhentämästä lainaa ja maksaa vastaisuudessa pelkkiä korkoja.</p><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Ruotsalaisperheen lainaa verrataan Suomessa otettuun samansuuruiseen annuiteettilainaan, jonka kuukausittaiset maksuerät on poimittu Danske Bankin lainalaskurista.</p><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Vertailussa kummankin asuntolainan koroksi on otettu Malmin ja Bremellin perheen tämänhetkinen 4,7 prosentin korko. Todellisuudessa Suomen korkotaso on Ruotsia alhaisempi.</p><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Grafiikan luvut ovat suuntaa antavia. Vertailussa ei ole otettu lainkaan huomioon korkovaihteluja, eikä muita muutoksia, jotka voivat vaikuttaa lainakuluihin.</p></div></div><div class="aw-1a5ns0 jNnlvt"><div><button aria-disabled="false" aria-expanded="false" aria-controls=":R1qkqm:" class="Buttonstyles__ButtonBase-sc-17sr1bx-0 Buttonstyles__ButtonSecondary-sc-17sr1bx-2 blJlbw iLYbQX"><span class="Buttonstyles__TextWrapper-sc-17sr1bx-7 kWJvkV yds-button__content">Avaa</span><span class="Buttonstyles__iconSize-sc-17sr1bx-4 Buttonstyles__IconWrapper-sc-17sr1bx-6 jztbuJ dPcqZv yds-button__icon"><svg width="24" height="24" viewbox="0 0 24 24" fill="none" aria-hidden="true" class="aw-cyminj dnJDUA"><path d="M5.293 9.293a1 1 0 0 1 1.414 0L12 14.586l5.293-5.293a1 1 0 1 1 1.414 1.414l-6 6a1 1 0 0 1-1.414 0l-6-6a1 1 0 0 1 0-1.414Z" fill="currentColor"></path></svg></span></button></div></div></div></div></aside></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Sen jälkeen kun ruotsalaiset ovat maksaneet asunnon arvostaan puolet, moni maksaa kuukausittain enää pelkkiä korkoja.</p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Kuvaavaa on, että Eric Malm ei aluksi edes ymmärrä koko kysymystä asuntolainan pituudesta. Laina-ajalle kun ei ole Ruotsissa samanlaista merkitystä kuin meillä.</p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><h2 class="sc-gEvEer dSgPhs yle__article__heading yle__article__heading--2">Ruotsin vanhempainvapaamalli joustaa perheiden tarpeeseen</h2></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Ruotsissa valtio maksaa vanhempainpäivärahaa hieman avokätisemmin kuin Suomessa.</p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Todellinen etu syntyy kuitenkin siitä, että ruotsalaiset työnantajat maksavat suomalaisia useammin ja pidempään korvausta lapsen vanhemmille vanhempainpäivärahan päälle.</p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><div class="aw-1dnbj3b fxARb yle__article__infogram"> <div class="infogram-embed" data-id="5e5917be-6c98-4edb-b526-6e3e4b016f28" data-type="interactive" data-title="Siniset palkit kuvaavat äidin perhevapaan tuloja ja keltaiset palkit isän perhevapaan tuloja."></div> </div></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><aside class="aw-hvvcsw iWkivn yle__article__aside" aria-label="Faktalaatikko"><div class="aw-x2e1x8 cpdveM"><div class="aw-10f13pq jmkHIG"><h2 class="sc-gEvEer dSgPhs yle__article__heading yle__article__heading--2">Näin vanhempainvapaan etuuksia vertailtiin</h2><div id=":R2mkqm:" aria-hidden="true" class="aw-rhxsvz jCTwLm"><div tabindex="-1"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Etuudet koostuvat valtion maksamasta vanhempainpäivärahasta sekä työnantajien korvauksista.</p><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Ruotsalaisperheessä ansiosidonnaista vanhempainpäivärahaa maksetaan 390 päivän ajan seitsemänä päivänä viikossa, kun suomalaisperheessä vanhempainpäivärahan saa 320 + 40 päivän ajalta kuutena päivänä viikossa. 40 päivää on äidille myönnettävä raskausvapaa.</p><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Ruotsissa korvaus on 0,8-kertainen osuus palkasta. Suomessa korvaus on 0,7-kertainen, paitsi raskausvapaalta ja ensimmäiseltä 16 vanhempainvapaapäivän ajalta 0,9-kertainen.</p><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Ruotsalaisen esimerkkiperheen työnantajat korvaavat kummallekin vanhemmalle kolmen kuukauden ajan osan, joka jää vajaaksi normaalipalkasta. Suomessa työnantaja myöntää äidille kolmen ja isälle kuukauden palkallista vapaata.</p><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Työnantajien maksamat etuudet vanhempainvapaan aikana vaihtelevat paljon, mutta ne ovat yleisesti Ruotsissa Suomea avokätisempiä.</p><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Grafiikassa ei ole huomioitu verotuksen vaikutusta.</p></div></div><div class="aw-1a5ns0 jNnlvt"><div><button aria-disabled="false" aria-expanded="false" aria-controls=":R2mkqm:" class="Buttonstyles__ButtonBase-sc-17sr1bx-0 Buttonstyles__ButtonSecondary-sc-17sr1bx-2 blJlbw iLYbQX"><span class="Buttonstyles__TextWrapper-sc-17sr1bx-7 kWJvkV yds-button__content">Avaa</span><span class="Buttonstyles__iconSize-sc-17sr1bx-4 Buttonstyles__IconWrapper-sc-17sr1bx-6 jztbuJ dPcqZv yds-button__icon"><svg width="24" height="24" viewbox="0 0 24 24" fill="none" aria-hidden="true" class="aw-cyminj dnJDUA"><path d="M5.293 9.293a1 1 0 0 1 1.414 0L12 14.586l5.293-5.293a1 1 0 1 1 1.414 1.414l-6 6a1 1 0 0 1-1.414 0l-6-6a1 1 0 0 1 0-1.414Z" fill="currentColor"></path></svg></span></button></div></div></div></div></aside></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Vieläkin merkittävämpää on kuitenkin se, että Ruotsin vanhempainvapaamalli on paljon suomalaista joustavampi.</p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Malmin ja Bremellin perheen vanhemmat päättivät kummatkin nostaa yhdeksän kuukauden ajan valtion maksamaa vanhempainpäivärahaa vain viitenä päivänä viikossa. He halusivat näin pidentää kotona olemista kuopuksensa Esterin kanssa.</p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Tämänkin jälkeen perheelle jäi vielä säästöön vanhempainvapaapäiviä. He voivat käyttää niitä esimerkiksi perheen yhteisiin lomiin, kunnes Ester täyttää 12 vuotta.</p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Suomen elokuussa voimaan tullut perhevapaauudistus on ottanut joustoihin mallia Ruotsista. Malmin ja Bremellin perheen kaltainen järjestely olisi tuskin meillä mahdollinen.</p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Suomessa vanhempainpäivärahan ja -vapaan erottaminen toisistaan ei lähtökohtaisesti onnistu, vaikka työnantajan kanssa voidaankin neuvotella erityisjärjestelyistä. Vanhempainvapaita saa Suomessa käyttää, kunnes lapsi täyttää kaksi vuotta.</p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g bKSmmo"><figure class="aw-u5oz0a crkERF yle__article__figure"><script type="application/ld+json">{"@id":"74-20064899","@context":"https://web.archive.org/web/20240402055114/https://schema.org","image":{"@type":"ImageObject","description":"Signe Bremell ja Eric Malm antavat välipalaa perheen lapsille Nikelle (vas.), Davidille ja Esterille.","copyrightHolder":"Benjamin Suomela / Yle","url":"https://web.archive.org/web/20240402055114/https://images.cdn.yle.fi/image/upload/ar_1.5001369487811558,c_fill,g_faces,h_511,w_767/dpr_2.0/q_auto:eco/f_auto/fl_lossy/39-121299365731d649ced1","keywords":"Göteborg,Göteborgin kunta,Ruotsi,lapsiperheet"}}</script><div class="aw-1a00tic jlmxog"><div class="aw-1qvmjke bKIcxT"><div class="aw-1njknqq euollB"><picture><source data-testid="source-for-S" media="(max-width: 767px)" srcset="https://web.archive.org/web/20240402055114im_/https://images.cdn.yle.fi/image/upload/ar_1.5001369487811558,c_fill,g_faces,h_511,w_767/dpr_2.0/q_auto:eco/f_auto/fl_lossy/v1702043321/39-121299365731d649ced1 2x, https://web.archive.org/web/20240402055114im_/https://images.cdn.yle.fi/image/upload/ar_1.5001369487811558,c_fill,g_faces,h_511,w_767/dpr_1.0/q_auto:eco/f_auto/fl_lossy/v1702043321/39-121299365731d649ced1 1x"/><source data-testid="source-for-M" media="(min-width: 768px)" srcset="https://web.archive.org/web/20240402055114im_/https://images.cdn.yle.fi/image/upload/ar_1.5001369487811558,c_fill,g_faces,h_585,w_878/dpr_2.0/q_auto:eco/f_auto/fl_lossy/v1702043321/39-121299365731d649ced1 2x, https://web.archive.org/web/20240402055114im_/https://images.cdn.yle.fi/image/upload/ar_1.5001369487811558,c_fill,g_faces,h_585,w_878/dpr_1.0/q_auto:eco/f_auto/fl_lossy/v1702043321/39-121299365731d649ced1 1x"/><img alt="Perhe olohuoneessa." src="https://web.archive.org/web/20240402055114im_/https://images.cdn.yle.fi/image/upload/c_crop,h_3080,w_5477,x_0,y_418/ar_1.7777777777777777,c_fill,g_faces,h_493,w_878/dpr_1.0/q_auto:eco/f_auto/fl_lossy/v1702043321/39-121299365731d649ced1" class="aw-1l9m598 bTKagC"/></picture></div><div class="aw-45s348 glxCAO"><button aria-disabled="false" class="Buttonstyles__ButtonBase-sc-17sr1bx-0 Buttonstyles__ButtonSecondary-sc-17sr1bx-2 blJlbw iLYbQX"><span class="Buttonstyles__TextWrapper-sc-17sr1bx-7 kWJvkV yds-button__content">Avaa kuvien katselu</span></button></div></div></div><figcaption class="aw-kr26k0 iEoONW"><span>Signe Bremell ja Eric Malm antavat välipalaa perheen lapsille Nikelle (vas.), Davidille ja Esterille.</span><span> Kuva: Benjamin Suomela / Yle</span></figcaption></figure></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g bKSmmo"><figure class="aw-u5oz0a crkERF yle__article__figure"><script type="application/ld+json">{"@id":"74-20064899","@context":"https://web.archive.org/web/20240402055114/https://schema.org","image":{"@type":"ImageObject","description":"Signe Bremell suukottelee Esteriä perheen ruokailutilassa.","copyrightHolder":"Benjamin Suomela / Yle","url":"https://web.archive.org/web/20240402055114/https://images.cdn.yle.fi/image/upload/ar_1.5001369487811558,c_fill,g_faces,h_511,w_767/dpr_2.0/q_auto:eco/f_auto/fl_lossy/39-121299465731d64b74b2","keywords":"Göteborg,Göteborgin kunta,Ruotsi,lapsiperheet"}}</script><div class="aw-1a00tic jlmxog"><div class="aw-1qvmjke bKIcxT"><div class="aw-1njknqq euollB"><picture><source data-testid="source-for-S" media="(max-width: 767px)" srcset="https://web.archive.org/web/20240402055114im_/https://images.cdn.yle.fi/image/upload/ar_1.5001369487811558,c_fill,g_faces,h_511,w_767/dpr_2.0/q_auto:eco/f_auto/fl_lossy/v1702043331/39-121299465731d64b74b2 2x, https://web.archive.org/web/20240402055114im_/https://images.cdn.yle.fi/image/upload/ar_1.5001369487811558,c_fill,g_faces,h_511,w_767/dpr_1.0/q_auto:eco/f_auto/fl_lossy/v1702043331/39-121299465731d64b74b2 1x"/><source data-testid="source-for-M" media="(min-width: 768px)" srcset="https://web.archive.org/web/20240402055114im_/https://images.cdn.yle.fi/image/upload/ar_1.5001369487811558,c_fill,g_faces,h_585,w_878/dpr_2.0/q_auto:eco/f_auto/fl_lossy/v1702043331/39-121299465731d64b74b2 2x, https://web.archive.org/web/20240402055114im_/https://images.cdn.yle.fi/image/upload/ar_1.5001369487811558,c_fill,g_faces,h_585,w_878/dpr_1.0/q_auto:eco/f_auto/fl_lossy/v1702043331/39-121299465731d64b74b2 1x"/><img alt="Äiti ja lapsi." src="https://web.archive.org/web/20240402055114im_/https://images.cdn.yle.fi/image/upload/c_crop,h_3080,w_5476,x_0,y_360/ar_1.7777777777777777,c_fill,g_faces,h_493,w_878/dpr_1.0/q_auto:eco/f_auto/fl_lossy/v1702043331/39-121299465731d64b74b2" class="aw-1l9m598 bTKagC"/></picture></div><div class="aw-45s348 glxCAO"><button aria-disabled="false" class="Buttonstyles__ButtonBase-sc-17sr1bx-0 Buttonstyles__ButtonSecondary-sc-17sr1bx-2 blJlbw iLYbQX"><span class="Buttonstyles__TextWrapper-sc-17sr1bx-7 kWJvkV yds-button__content">Avaa kuvien katselu</span></button></div></div></div><figcaption class="aw-kr26k0 iEoONW"><span>Signe Bremell suukottelee Esteriä perheen ruokailutilassa.</span><span> Kuva: Benjamin Suomela / Yle</span></figcaption></figure></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g bKSmmo"><figure class="aw-u5oz0a crkERF yle__article__figure"><script type="application/ld+json">{"@id":"74-20064899","@context":"https://web.archive.org/web/20240402055114/https://schema.org","image":{"@type":"ImageObject","description":"Eric Malm leikkii tyttärensä Niken kanssa pihalla.","copyrightHolder":"Benjamin Suomela / Yle","url":"https://web.archive.org/web/20240402055114/https://images.cdn.yle.fi/image/upload/ar_1.5001369487811558,c_fill,g_faces,h_511,w_767/dpr_2.0/q_auto:eco/f_auto/fl_lossy/39-121300065731d76e5b34","keywords":"Göteborg,Göteborgin kunta,Ruotsi,lapsiperheet"}}</script><div class="aw-1a00tic jlmxog"><div class="aw-1qvmjke bKIcxT"><div class="aw-1njknqq euollB"><picture><source data-testid="source-for-S" media="(max-width: 767px)" srcset="https://web.archive.org/web/20240402055114im_/https://images.cdn.yle.fi/image/upload/ar_1.5001369487811558,c_fill,g_faces,h_511,w_767/dpr_2.0/q_auto:eco/f_auto/fl_lossy/v1702043379/39-121300065731d76e5b34 2x, https://web.archive.org/web/20240402055114im_/https://images.cdn.yle.fi/image/upload/ar_1.5001369487811558,c_fill,g_faces,h_511,w_767/dpr_1.0/q_auto:eco/f_auto/fl_lossy/v1702043379/39-121300065731d76e5b34 1x"/><source data-testid="source-for-M" media="(min-width: 768px)" srcset="https://web.archive.org/web/20240402055114im_/https://images.cdn.yle.fi/image/upload/ar_1.5001369487811558,c_fill,g_faces,h_585,w_878/dpr_2.0/q_auto:eco/f_auto/fl_lossy/v1702043379/39-121300065731d76e5b34 2x, https://web.archive.org/web/20240402055114im_/https://images.cdn.yle.fi/image/upload/ar_1.5001369487811558,c_fill,g_faces,h_585,w_878/dpr_1.0/q_auto:eco/f_auto/fl_lossy/v1702043379/39-121300065731d76e5b34 1x"/><img alt="Isä ja lapsi leikkii leikkimökissä." src="https://web.archive.org/web/20240402055114im_/https://images.cdn.yle.fi/image/upload/c_crop,h_3080,w_5476,x_0,y_444/ar_1.7777777777777777,c_fill,g_faces,h_493,w_878/dpr_1.0/q_auto:eco/f_auto/fl_lossy/v1702043379/39-121300065731d76e5b34" class="aw-1l9m598 bTKagC"/></picture></div><div class="aw-45s348 glxCAO"><button aria-disabled="false" class="Buttonstyles__ButtonBase-sc-17sr1bx-0 Buttonstyles__ButtonSecondary-sc-17sr1bx-2 blJlbw iLYbQX"><span class="Buttonstyles__TextWrapper-sc-17sr1bx-7 kWJvkV yds-button__content">Avaa kuvien katselu</span></button></div></div></div><figcaption class="aw-kr26k0 iEoONW"><span>Eric Malm leikkii tyttärensä Niken kanssa pihalla.</span><span> Kuva: Benjamin Suomela / Yle</span></figcaption></figure></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><h2 class="sc-gEvEer dSgPhs yle__article__heading yle__article__heading--2">Lapsi pääsee Ruotsissa harrastamaan halvemmalla</h2></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Malmin ja Bremellin perheessä kaksi vanhinta lasta pelaa jalkapalloa. Tämän lisäksi esikoinen Nike käy tanssitunneilla ja keskimmäinen David uimakoulussa.</p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Kun tarkastelee ruotsalaisperheen menoja, silmään pistää harrastamisen huokeus. Lasten säännöllisiin harrastuksiin kuluu vain reilut 40 euroa kuukaudessa.</p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Etenkin jalkapallon harrastaminen seurassa voi Suomessa olla huomattavasti Ruotsia kalliimpaa.</p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><div class="aw-1dnbj3b fxARb yle__article__infogram"> <div class="infogram-embed" data-id="9cdba3be-8a1a-4e69-9eee-bc22a038a87e" data-type="interactive" data-title=""></div> </div></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Nike harrastaa tanssia Göteborgin Kulturskolanissa.</p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Samanlaisia, julkisesti tuettuja kulttuurikouluja toimii ympäri Ruotsia. Niissä lapset ja nuoret voivat harrastaa edullisesti soittamista, näyttelemistä, kuvataidetta ja muita kulttuuriharrastuksia.</p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g bKSmmo"><figure class="aw-u5oz0a crkERF yle__article__figure"><script type="application/ld+json">{"@id":"74-20064899","@context":"https://web.archive.org/web/20240402055114/https://schema.org","image":{"@type":"ImageObject","description":"Perheen esikoinen Nike ja tämän pikkuveli David käyvät hakemassa välipalaa keittiön jääkaapista.","copyrightHolder":"Benjamin Suomela / Yle","url":"https://web.archive.org/web/20240402055114/https://images.cdn.yle.fi/image/upload/ar_1.5001369487811558,c_fill,g_faces,h_511,w_767/dpr_2.0/q_auto:eco/f_auto/fl_lossy/39-121299565731d6b4c039","keywords":"Göteborg,Göteborgin kunta,Ruotsi,lapsiperheet"}}</script><div class="aw-1a00tic jlmxog"><div class="aw-1qvmjke bKIcxT"><div class="aw-1njknqq euollB"><picture><source data-testid="source-for-S" media="(max-width: 767px)" srcset="https://web.archive.org/web/20240402055114im_/https://images.cdn.yle.fi/image/upload/ar_1.5001369487811558,c_fill,g_faces,h_511,w_767/dpr_2.0/q_auto:eco/f_auto/fl_lossy/v1702043350/39-121299565731d6b4c039 2x, https://web.archive.org/web/20240402055114im_/https://images.cdn.yle.fi/image/upload/ar_1.5001369487811558,c_fill,g_faces,h_511,w_767/dpr_1.0/q_auto:eco/f_auto/fl_lossy/v1702043350/39-121299565731d6b4c039 1x"/><source data-testid="source-for-M" media="(min-width: 768px)" srcset="https://web.archive.org/web/20240402055114im_/https://images.cdn.yle.fi/image/upload/ar_1.5001369487811558,c_fill,g_faces,h_585,w_878/dpr_2.0/q_auto:eco/f_auto/fl_lossy/v1702043350/39-121299565731d6b4c039 2x, https://web.archive.org/web/20240402055114im_/https://images.cdn.yle.fi/image/upload/ar_1.5001369487811558,c_fill,g_faces,h_585,w_878/dpr_1.0/q_auto:eco/f_auto/fl_lossy/v1702043350/39-121299565731d6b4c039 1x"/><img alt="Lapsia keittiössä." src="https://web.archive.org/web/20240402055114im_/https://images.cdn.yle.fi/image/upload/c_crop,h_3080,w_5476,x_0,y_107/ar_1.7777777777777777,c_fill,g_faces,h_493,w_878/dpr_1.0/q_auto:eco/f_auto/fl_lossy/v1702043350/39-121299565731d6b4c039" class="aw-1l9m598 bTKagC"/></picture></div><div class="aw-45s348 glxCAO"><button aria-disabled="false" class="Buttonstyles__ButtonBase-sc-17sr1bx-0 Buttonstyles__ButtonSecondary-sc-17sr1bx-2 blJlbw iLYbQX"><span class="Buttonstyles__TextWrapper-sc-17sr1bx-7 kWJvkV yds-button__content">Avaa kuvien katselu</span></button></div></div></div><figcaption class="aw-kr26k0 iEoONW"><span>Perheen esikoinen Nike ja tämän pikkuveli David käyvät hakemassa välipalaa keittiön jääkaapista.</span><span> Kuva: Benjamin Suomela / Yle</span></figcaption></figure></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><h2 class="sc-gEvEer dSgPhs yle__article__heading yle__article__heading--2">Myös ruotsalaiset joutuvat nipistämään kuluista</h2></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Talouden mittareilla Ruotsi on ollut perinteisesti Suomea vahvempi.</p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Viime vuonna länsinaapurin talous bruttokansantuotteessa mitattuna kuitenkin notkahti <a class="aw-iao6s4 drtaeR yle__article__link" href="https://web.archive.org/web/20240402055114/https://www.statista.com/statistics/1275207/gdp-growth-rate-nordics/" role="link">ennustuksen mukaan</a> hieman Suomea enemmän. Taloutta Ruotsissa rasittaa muun muassa kruunun heikko kurssi, joka pitää inflaation korkealla.</p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph">Menojen kasvu on saanut ruotsalaisperheen laskemaan rahojaan tarkemmin. He eivät ole kuitenkaan joutuneet nipistämään tärkeiksi koetuista asioista, kuten jokavuotisesta laskettelulomasta.</p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph"><strong class="aw-ak79eh hgoSon yle__article__strong">Tällä videolla Signe Bremell kertoo, kuinka perhe on onnistunut säästämään inflaation ja korkojen nousun paineessa.</strong></p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g bKSmmo"><figure class="aw-u5oz0a crkERF yle__article__figure"><script type="application/ld+json">{"@id":"74-20064899","@context":"https://web.archive.org/web/20240402055114/https://schema.org","video":{"@type":"VideoObject","name":"Ruotsalainen perheenäiti kertoo säästövinkin","thumbnailUrl":"https://web.archive.org/web/20240402055114/https://images.cdn.yle.fi/image/upload/ar_1.7777777777777777,c_fill,g_faces,h_431,w_767/dpr_2.0/q_auto:eco/f_auto/fl_lossy/39-42973859c268d07fd2f","uploadDate":"2023-12-19T16:53:54+02:00"}}</script><div class="aw-1a00tic ircCun"><div><div data-testid="video-player" class="aw-1kfkhk6 kyBcqJ"></div></div></div></figure></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph"><em class="aw-18vh2pl bZqHKZ yle__article__emphasis">Juttua varten on haastateltu Kelan erikoisasiantuntijaa Anneli Miettistä ja Nordean Kiinnitysluottopankin toimitusjohtajaa Jussi Pajalaa.</em></p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><p class="aw-1gybjub aw-1p7kakr jxdWmn ilDxnw yle__article__paragraph"><em class="aw-18vh2pl bZqHKZ yle__article__emphasis">20.1.2024 klo 9.50 Korjattu asuntolainojen vertailua selittävään faktalaatikkoon asunnon hinta oikeaksi.</em></p></div></div><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><div class="aw-sam797 cZASKT yle__article__externalContent"><div class="yle__article__externalContent__html"><div data-yle-external-content-parameters="{"id":"1FAIpQLSeuulZNCZT79sc4PrtrXQkhgr-3e6J_M48CPXQCi5-MZOaWMA","title":"Onko sinulla meille hyvä juttuvinkki? Voit ottaa yhteyttä luottamuksella.","language":"fi","show_iframe":"false"}"> <div data-yle-vis-id="2021-06-google-forms"></div> </div></div></div></div></div></section><footer class="yle__article__footer"><div class="aw-18kk502 BZRNw"><div class="aw-fn5j1g fKvLig"><div class="aw-1r230o7 gQvSLr"><div class="aw-trn3k7 bPmPiP"><h2 class="sc-eqUAAy dUJkWc yle__article__heading yle__article__heading--3">Tekijät</h2><div class="aw-2kspre hNbxpy"><span class="aw-12hpyjf hgboTK">Teksti:</span><span class="aw-vqkvxn kFOSDx">Erkka Mikkonen</span></div><div class="aw-2kspre hNbxpy"><span class="aw-12hpyjf hgboTK">Kuvat ja videot:</span><span class="aw-vqkvxn kFOSDx">Benjamin Suomela</span></div><div class="aw-2kspre hNbxpy"><span class="aw-12hpyjf hgboTK">Grafiikka:</span><span class="aw-vqkvxn kFOSDx">Karoliina Juntunen</span></div></div><h2 class="aw-zh6d69 dMYkJU">Aiheesta enemmän: Paketissa 2 linkkiä</h2><h2 class="sc-eqUAAy dUJkWc yle__article__heading yle__article__heading--3" aria-hidden="true">Aiheesta enemmän</h2><div class="yle__article__links" role="list" aria-label="Aiheesta enemmän"><div role="listitem" class="aw-124ec9l cFgRwb"><div class="aw-yq4wj5 hkKela"><div class="aw-fou4nx hULxUh"><div class="aw-aqrehu kskGQO"><div class="aw-ej1jxx Vjwex"><a href="/web/20240402055114/https://yle.fi/t/18-208996/fi" aria-label="Lisää artikkeleita aiheesta Hinnat" class="aw-l7odld jXfkxq">Hinnat</a></div><h3 class="aw-x9ikft cGmEmT"><a href="https://web.archive.org/web/20240402055114/https://yle.fi/a/74-20069667" class="aw-3ocnud eBKakF">Analyysi: Inflaatio heitti palkansaajan kuoppaan, josta nousemiseen menee vuosia</a></h3><time class="aw-4gocmc guzJZN">16.1.</time></div></div><div class="aw-vhyz8i mQzOb"><div class="aw-8sjfvz juaHCW"><div class="aw-1njknqq euollB"><picture><source data-testid="source-for-S" media="(max-width: 767px)" 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class="aw-wgen1m gdmTjL"><h3 class="aw-cp2loj icbluK"><span class="aw-mwf8bp hozjw">Uutispodcast: </span>Ei enää pikkuveli – Suomi voi haastaa Ruotsin myös taloudessa</h3></a><div class="aw-ij29ip cTcuuL"><svg width="16" height="16" viewbox="0 0 24 24" fill="none" aria-hidden="true" class="aw-199yppk kaJSAo"><path fill-rule="evenodd" clip-rule="evenodd" d="M6.343 6.343A8 8 0 0 1 20 12v1h-2a3 3 0 0 0-3 3v3a3 3 0 0 0 3 3h1a3 3 0 0 0 3-3v-7a10 10 0 0 0-20 0v7a3 3 0 0 0 3 3h1a3 3 0 0 0 3-3v-3a3 3 0 0 0-3-3H4v-1a8 8 0 0 1 2.343-5.657ZM4 15v4a1 1 0 0 0 1 1h1a1 1 0 0 0 1-1v-3a1 1 0 0 0-1-1H4Zm16 0h-2a1 1 0 0 0-1 1v3a1 1 0 0 0 1 1h1a1 1 0 0 0 1-1v-4Z" fill="currentColor"></path></svg>25 min</div></div></div><div class="aw-vhyz8i mQzOb"><div class="aw-8sjfvz juaHCW"><div class="aw-1njknqq euollB"><picture><source data-testid="source-for-S" media="(max-width: 767px)" 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Grafiikat näyttävät, kuinka ruotsalaisten arki on Suomea joustavampaa myös taloudellisesti tiukkoina aikoina.","mainMedia":[{"playbackBehaviour":"autoplay","id":"1-67761731","type":"video","programResponse":{"series":{"title":{"main":{"swe":"Nyhetsvideor","fin":"Uutisvideot"}},"image":{"cover":{"fin":{"type":"Image","id":"13-1-1255967-1677743590609","version":1711990481}},"main":{"fin":{"type":"Image","id":"13-1-1255967-1684137541041","version":1711990481}}}},"publications":[{"tags":["archive"],"service":{"type":"Service","id":"yle-areena"},"publisher":{"type":"Service","id":"yle-areena"},"startTime":"2024-01-19T13:39:28+02:00","geoRestriction":"None","type":"Publication","id":"4-67761732","kind":"Ondemand","protectionLevel":{"key":"none","type":"ContentProtectionPolicy","id":"22-0"},"media":{"videoTrack":{"format":"HD","aspectRatio":"16:9","type":"VideoTrack","duration":"PT11S"},"downloadable":false,"type":"Video","duration":"PT11S","id":"67-faf92051b3d44f3b9be0b97f0042bc04","available":true}}],"title":{"main":{"fin":"Malmin ja Bremelin perhe vilkuttaa talonsa portailla"}},"id":"1-67761731","image":{"main":{"fin":{"type":"Image","id":"13-67-faf92051b3d44f3b9be0b97f0042bc04","version":1705664798}}}}}],"authors":[{"role":"Teksti","organization":"Yle","name":"Erkka Mikkonen","id":"56-74-1570","type":"Person"},{"role":"Kuvat ja videot","organization":"Yle","name":"Benjamin Suomela","id":"56-74-1223","type":"Person"},{"role":"Grafiikka","organization":"Yle","name":"Karoliina Juntunen","id":"56-74-1579","type":"Person"}],"datePublished":"2024-01-20T07:00:36+0200","dateContentModified":"2024-01-20T09:50:47+0200","dateJsonModified":"2024-01-21T23:04:34+0200","publisher":{"name":"Yle Uutiset"},"publication":"uutiset","coverage":"national","content":[{"level":1,"text":"Ruotsalainen ”bonus”","type":"heading"},{"playbackBehaviour":"autoplay","id":"1-67761731","type":"video","programResponse":{"series":{"title":{"main":{"swe":"Nyhetsvideor","fin":"Uutisvideot"}},"image":{"cover":{"fin":{"type":"Image","id":"13-1-1255967-1677743590609","version":1711990481}},"main":{"fin":{"type":"Image","id":"13-1-1255967-1684137541041","version":1711990481}}}},"publications":[{"tags":["archive"],"service":{"type":"Service","id":"yle-areena"},"publisher":{"type":"Service","id":"yle-areena"},"startTime":"2024-01-19T13:39:28+02:00","geoRestriction":"None","type":"Publication","id":"4-67761732","kind":"Ondemand","protectionLevel":{"key":"none","type":"ContentProtectionPolicy","id":"22-0"},"media":{"videoTrack":{"format":"HD","aspectRatio":"16:9","type":"VideoTrack","duration":"PT11S"},"downloadable":false,"type":"Video","duration":"PT11S","id":"67-faf92051b3d44f3b9be0b97f0042bc04","available":true}}],"title":{"main":{"fin":"Malmin ja Bremelin perhe vilkuttaa talonsa portailla"}},"id":"1-67761731","image":{"main":{"fin":{"type":"Image","id":"13-67-faf92051b3d44f3b9be0b97f0042bc04","version":1705664798}}}}},{"text":"Ruotsalainen lapsiperhe avasi talouttaan Ylelle. Grafiikat näyttävät, kuinka ruotsalaisten arki on Suomea joustavampaa myös taloudellisesti tiukkoina aikoina.","type":"text"},{"text":"**TYÖRYHMÄ: ERKKA MIKKONEN, BENJAMIN SUOMELA JA KAROLIINA JUNTUNEN**","type":"text"},{"text":"**MÖLNDAL** Tässä on keskiluokkainen ruotsalaisperhe: isä **Eric Malm** ja äiti **Signe Bremell** sekä lapset **Nike**, 7, **David**, 5, ja **Ester**, 1,5.","type":"text"},{"text":"He seisovat kotinsa edessä Göteborgin kyljessä sijaitsevassa Mölndalissa.","type":"text"},{"text":"Ruotsalaisen lapsiperheen arki muistuttaa monin tavoin suomalaista, mutta erojakin löytyy. Niiden ansiosta ruotsalaiset voivat pärjätä suomalaisia paremmin myös tiukkoina aikoina.","type":"text"},{"infogramId":"e13f9ef5-4d4a-4575-a953-20c75cb3b7ed","type":"infogram"},{"text":"Tässä jutussa tarkastelemme ruotsalaisia asuntolainoja, vanhempainvapaita ja harrastusmahdollisuuksia. Ne tekevät taloudenpidon länsinaapurissa joustavaksi ja jättävät joka kuukausi enemmän rahaa käteen Suomeen verrattuna.","type":"text"},{"level":2,"text":"Ruotsin ”ikuisissa” asuntolainoissa lyhennykset ovat pieniä","type":"heading"},{"text":"Kun Malmin ja Bremellin perhe neljä vuotta sitten osti omakotitalonsa, näytti taloustilanne toisenlaiselta.","type":"text"},{"text":"Ruotsissa asuntovelallisten korkomenot ovat kohonneet Suomea enemmän. Malmin perheessä korko on noussut lainanottohetken 1,3 prosentista nykyiseen 4,7 prosenttiin.","type":"text"},{"text":"Suurempi eroa Suomeen verrattuna on kuitenkin lainojen lyhentämisessä.","type":"text"},{"text":"Ruotsalaisten pitää lyhentää lainaa vain siihen saakka, kunnes puolet asunnon arvosta on maksettu. Asuntolainat ovat myös hyvin pitkiä, ja pakolliset lyhennykset ovat pienempiä kuin Suomessa.","type":"text"},{"text":"Ruotsin lähes ikuiset ja kuukausitasolla edulliset lainat jättävät rahaa muuhun elämään – kuukausittaisiin menoihin tai sijoittamiseen. Toisaalta kun asuntolainat ovat pitkiä ja korkotaso korkea, ruotsalaiset maksavat tavallisesti paljon enemmän korkoja kuin suomalaiset.","type":"text"},{"alt":"Siniset palkit näyttävät, että Ruotsissa lyhennetään vähemmän lainoja kuukausittain kuin Suomessa vastaavasta lainasta.","infogramId":"c3b82190-40f9-459a-8c89-4f3e1728bd63","type":"infogram"},{"behaviour":"collapsed","type":"aside","content":[{"level":2,"text":"Näin asuntolainoja vertailtiin","type":"heading"},{"text":"Malmin ja Bremellin perhe otti viiden miljoonan kruunun arvoisen asuntolainan kahdeksan miljoonan kruunun arvoiseen taloon. Kurssimuutos euroiksi on tehty joulukuussa 2023.","type":"text"},{"text":"Koska lainan määrä suhteessa asunnon arvoon on reilu 60 prosenttia, perheen tulee lyhentää vuodessa lainaa yhden prosentin verran. Kun lainan määrä suhteessa asunnon arvoon on alle puolet, perhe voi lopettaa lyhentämästä lainaa ja maksaa vastaisuudessa pelkkiä korkoja.","type":"text"},{"text":"Ruotsalaisperheen lainaa verrataan Suomessa otettuun samansuuruiseen annuiteettilainaan, jonka kuukausittaiset maksuerät on poimittu Danske Bankin lainalaskurista.","type":"text"},{"text":"Vertailussa kummankin asuntolainan koroksi on otettu Malmin ja Bremellin perheen tämänhetkinen 4,7 prosentin korko. Todellisuudessa Suomen korkotaso on Ruotsia alhaisempi.","type":"text"},{"text":"Grafiikan luvut ovat suuntaa antavia. Vertailussa ei ole otettu lainkaan huomioon korkovaihteluja, eikä muita muutoksia, jotka voivat vaikuttaa lainakuluihin.","type":"text"}]},{"text":"Sen jälkeen kun ruotsalaiset ovat maksaneet asunnon arvostaan puolet, moni maksaa kuukausittain enää pelkkiä korkoja.","type":"text"},{"text":"Kuvaavaa on, että Eric Malm ei aluksi edes ymmärrä koko kysymystä asuntolainan pituudesta. Laina-ajalle kun ei ole Ruotsissa samanlaista merkitystä kuin meillä.","type":"text"},{"level":2,"text":"Ruotsin vanhempainvapaamalli joustaa perheiden tarpeeseen","type":"heading"},{"text":"Ruotsissa valtio maksaa vanhempainpäivärahaa hieman avokätisemmin kuin Suomessa.","type":"text"},{"text":"Todellinen etu syntyy kuitenkin siitä, että ruotsalaiset työnantajat maksavat suomalaisia useammin ja pidempään korvausta lapsen vanhemmille vanhempainpäivärahan päälle.","type":"text"},{"alt":"Siniset palkit kuvaavat äidin perhevapaan tuloja ja keltaiset palkit isän perhevapaan tuloja.","infogramId":"5e5917be-6c98-4edb-b526-6e3e4b016f28","type":"infogram"},{"behaviour":"collapsed","type":"aside","content":[{"level":2,"text":"Näin vanhempainvapaan etuuksia vertailtiin","type":"heading"},{"text":"Etuudet koostuvat valtion maksamasta vanhempainpäivärahasta sekä työnantajien korvauksista.","type":"text"},{"text":"Ruotsalaisperheessä ansiosidonnaista vanhempainpäivärahaa maksetaan 390 päivän ajan seitsemänä päivänä viikossa, kun suomalaisperheessä vanhempainpäivärahan saa 320 + 40 päivän ajalta kuutena päivänä viikossa. 40 päivää on äidille myönnettävä raskausvapaa.","type":"text"},{"text":"Ruotsissa korvaus on 0,8-kertainen osuus palkasta. Suomessa korvaus on 0,7-kertainen, paitsi raskausvapaalta ja ensimmäiseltä 16 vanhempainvapaapäivän ajalta 0,9-kertainen.","type":"text"},{"text":"Ruotsalaisen esimerkkiperheen työnantajat korvaavat kummallekin vanhemmalle kolmen kuukauden ajan osan, joka jää vajaaksi normaalipalkasta. Suomessa työnantaja myöntää äidille kolmen ja isälle kuukauden palkallista vapaata.","type":"text"},{"text":"Työnantajien maksamat etuudet vanhempainvapaan aikana vaihtelevat paljon, mutta ne ovat yleisesti Ruotsissa Suomea avokätisempiä.","type":"text"},{"text":"Grafiikassa ei ole huomioitu verotuksen vaikutusta.","type":"text"}]},{"text":"Vieläkin merkittävämpää on kuitenkin se, että Ruotsin vanhempainvapaamalli on paljon suomalaista joustavampi.","type":"text"},{"text":"Malmin ja Bremellin perheen vanhemmat päättivät kummatkin nostaa yhdeksän kuukauden ajan valtion maksamaa vanhempainpäivärahaa vain viitenä päivänä viikossa. He halusivat näin pidentää kotona olemista kuopuksensa Esterin kanssa.","type":"text"},{"text":"Tämänkin jälkeen perheelle jäi vielä säästöön vanhempainvapaapäiviä. He voivat käyttää niitä esimerkiksi perheen yhteisiin lomiin, kunnes Ester täyttää 12 vuotta.","type":"text"},{"text":"Suomen elokuussa voimaan tullut perhevapaauudistus on ottanut joustoihin mallia Ruotsista. Malmin ja Bremellin perheen kaltainen järjestely olisi tuskin meillä mahdollinen.","type":"text"},{"text":"Suomessa vanhempainpäivärahan ja -vapaan erottaminen toisistaan ei lähtökohtaisesti onnistu, vaikka työnantajan kanssa voidaankin neuvotella erityisjärjestelyistä. 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Tämän lisäksi esikoinen Nike käy tanssitunneilla ja keskimmäinen David uimakoulussa.","type":"text"},{"text":"Kun tarkastelee ruotsalaisperheen menoja, silmään pistää harrastamisen huokeus. Lasten säännöllisiin harrastuksiin kuluu vain reilut 40 euroa kuukaudessa.","type":"text"},{"text":"Etenkin jalkapallon harrastaminen seurassa voi Suomessa olla huomattavasti Ruotsia kalliimpaa.","type":"text"},{"infogramId":"9cdba3be-8a1a-4e69-9eee-bc22a038a87e","type":"infogram"},{"text":"Nike harrastaa tanssia Göteborgin Kulturskolanissa.","type":"text"},{"text":"Samanlaisia, julkisesti tuettuja kulttuurikouluja toimii ympäri Ruotsia. Niissä lapset ja nuoret voivat harrastaa edullisesti soittamista, näyttelemistä, kuvataidetta ja muita kulttuuriharrastuksia.","type":"text"},{"displayStyle":"normal","aspect":1.5001369487811558,"alt":"Lapsia keittiössä.","caption":"Perheen esikoinen Nike ja tämän pikkuveli David käyvät hakemassa välipalaa keittiön jääkaapista.","source":"Benjamin Suomela \u002F Yle","id":"39-121299565731d6b4c039","type":"image","alts":[{"language":"fin","value":"Lapsia keittiössä."}],"blurhash":"LVL4d3xC^*x]?wIUo#WDk=xuM_jb","tags":[{"label":[{"language":"fin","value":"Göteborg"},{"language":"swe","value":"Göteborg"}],"extId":"18-178107"},{"label":[{"language":"eng","value":"Gothenburg Municipality"},{"language":"fin","value":"Göteborgin kunta"},{"language":"swe","value":"Göteborgs kommun"}],"extId":"18-144993"},{"label":[{"language":"fin","value":"Ruotsi"},{"language":"sme","value":"Ruoŧŧa"},{"language":"swe","value":"Sverige"}],"extId":"18-189082"},{"label":[{"language":"fin","value":"lapsiperheet"},{"language":"swe","value":"barnfamiljer"}],"extId":"18-209208"}],"copyright":[{"language":"und","value":"Benjamin Suomela \u002F Yle"}],"crops":[{"name":"16:9","aspect":1.78,"coordinates":{"x":0,"y":107,"width":5476,"height":3080}},{"name":"2:3","aspect":0.67,"coordinates":{"x":1091,"y":0,"width":2434,"height":3651}},{"name":"1:1","aspect":1,"coordinates":{"x":671,"y":0,"width":3651,"height":3651}}],"height":3651,"licence":{"id":"6","name":[{"language":"und","value":"Yle"}],"properties":[]},"version":"1702043350","width":5477,"recommendedFormat":"jpg"},{"level":2,"text":"Myös ruotsalaiset joutuvat nipistämään kuluista","type":"heading"},{"text":"Talouden mittareilla Ruotsi on ollut perinteisesti Suomea vahvempi.","type":"text"},{"text":"Viime vuonna länsinaapurin talous bruttokansantuotteessa mitattuna kuitenkin notkahti [ennustuksen mukaan](https:\u002F\u002Fwww.statista.com\u002Fstatistics\u002F1275207\u002Fgdp-growth-rate-nordics\u002F) hieman Suomea enemmän. Taloutta Ruotsissa rasittaa muun muassa kruunun heikko kurssi, joka pitää inflaation korkealla.","type":"text"},{"text":"Menojen kasvu on saanut ruotsalaisperheen laskemaan rahojaan tarkemmin. He eivät ole kuitenkaan joutuneet nipistämään tärkeiksi koetuista asioista, kuten jokavuotisesta laskettelulomasta.","type":"text"},{"text":"**Tällä videolla Signe Bremell kertoo, kuinka perhe on onnistunut säästämään inflaation ja korkojen nousun paineessa.**","type":"text"},{"id":"1-67456613","type":"video","programResponse":{"series":{"title":{"main":{"swe":"Nyhetsvideor","fin":"Uutisvideot"}},"image":{"cover":{"fin":{"type":"Image","id":"13-1-1255967-1677743590609","version":1711990481}},"main":{"fin":{"type":"Image","id":"13-1-1255967-1684137541041","version":1711990481}}}},"publications":[{"tags":["archive"],"service":{"type":"Service","id":"yle-areena"},"publisher":{"type":"Service","id":"yle-areena"},"startTime":"2023-12-19T16:53:54+02:00","geoRestriction":"None","type":"Publication","id":"4-67456614","kind":"Ondemand","protectionLevel":{"key":"none","type":"ContentProtectionPolicy","id":"22-0"},"media":{"videoTrack":{"format":"HD","aspectRatio":"16:9","type":"VideoTrack","duration":"PT29S"},"captionTracks":[{"type":"CaptionTrack","language":"fin","kind":"hardOfHearing"}],"downloadable":false,"type":"Video","duration":"PT29S","id":"67-707319a5fc9242f0877d31bccfd0c0e0","available":true}}],"title":{"main":{"fin":"Ruotsalainen perheenäiti kertoo säästövinkin"}},"id":"1-67456613","image":{"main":{"fin":{"type":"Image","id":"13-1-67456613-1705736067938","version":1705736071}}}}},{"text":"*Juttua varten on haastateltu Kelan erikoisasiantuntijaa Anneli Miettistä ja Nordean Kiinnitysluottopankin toimitusjohtajaa Jussi Pajalaa.*","type":"text"},{"text":"*20.1.2024 klo 9.50 Korjattu asuntolainojen vertailua selittävään faktalaatikkoon asunnon hinta oikeaksi.*","type":"text"},{"darkModeCss":["https:\u002F\u002Fweb.archive.org\u002Fweb\u002F20240402055114\u002Fhttps:\u002F\u002Flusi-dataviz.ylestatic.fi\u002F2021-06-google-forms\u002Fstyles.a72aa41a.dark-mode.css"],"css":["https:\u002F\u002Fweb.archive.org\u002Fweb\u002F20240402055114\u002Fhttps:\u002F\u002Flusi-dataviz.ylestatic.fi\u002F2021-06-google-forms\u002Findex.70e66fb6.css"],"supports":["darkmode"],"html":"https:\u002F\u002Fweb.archive.org\u002Fweb\u002F20240402055114\u002Fhttps:\u002F\u002Flusi-dataviz.ylestatic.fi\u002F2021-06-google-forms\u002Fdataviz.html","scripts":["https:\u002F\u002Fweb.archive.org\u002Fweb\u002F20240402055114\u002Fhttps:\u002F\u002Flusi-dataviz.ylestatic.fi\u002F2021-06-google-forms\u002Findex.f16c1b5d.js"],"type":"external-content","parameters":[{"name":"id","value":"1FAIpQLSeuulZNCZT79sc4PrtrXQkhgr-3e6J_M48CPXQCi5-MZOaWMA"},{"name":"title","value":"Onko sinulla meille hyvä juttuvinkki? 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Ennen teollistumista talous perustui rautamalmiin ja puuhun. Mineraalit ovat Ruotsille tärkeitä ja maa tuottaakin suurimman osan Euroopan malmivaroista. Merkittäviä vientituotteita ovat koneet, rauta, malmi, moottoriajoneuvot sekä metsätaloustuotteet.\n\nPuutavara, vesivoima ja rautamalmi ovat Ruotsin ulkomaankauppaan suuntautuvan talouden perustana. Palvelualoilla on kuitenkin yhä tärkeämpi osuus maan taloudessa. Vuonna 2010 palvelusektori tuotti 71,5 prosenttia bruttokansantuotteesta ja työllisti 70,7 prosenttia työvoimasta. Julkinen sektori muodostaa taloudesta suuren osan ja työllistää noin 30 prosenttia työvoimasta (2009). Maan merkittävimmät luonnonvarat ovat sinkki, rautamalmi, kupari, lyijy, hopea, uraani ja puu. Merkittävimmät vientituotteet ovat vuorostaan koneet, moottoriajoneuvot, metsätaloustuotteet, rauta, teräs ja kemikaalit. 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