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itemtype="https://schema.org/Organization"> <div itemprop="logo" itemscope itemtype="https://schema.org/ImageObject"> <meta itemprop="url" content="https://web.archive.org/web/20230119094420/https://svenska.yle.fi/apple-touch-icon-180x180.png"> <meta itemprop="width" content="180"> <meta itemprop="height" content="180"> </div> <meta itemprop="name" content="Svenska Yle"> </div> <div class="mb-24 px-16 ram:px-0"> <h1 class="ydd-article-headline" itemprop="headline"> <span>ÅA-professorn Edvard Johansson sågar Annika Saarikkos tankar om att återinföra skatteavdrag på bolåneräntor</span> </h1> <div class="flex items-center"> <span class="icon icon--time"></span> <span class="text-gray-60 text-xs" property="dc:date dc:created" content="2023-01-13T05:27:18+02:00" datatype="xsd:dateTime" rel="sioc:has_creator"> <span class="published" itemprop="datePublished" content="2023-01-13T05:27:18+02:00">Publicerad 13.01.2023 05:27.</span> <span class="updated" itemprop="dateModified" content="2023-01-13T07:02:13+02:00">Uppdaterad 13.01.2023 07:02.</span> </span> </div> </div> <div class="mb-16"> <div itemprop="image" itemscope="" itemtype="https://schema.org/ImageObject" class="ydd-image relative "> <figure role="group"> <img alt=" Johansson, Edvard, professor i nationalekonomi vid Åbo Akademi" itemprop="image" content="https://images.cdn.yle.fi/image/upload/f_auto,fl_progressive/fl_keep_iptc/q_88/w_2953,h_1661,c_crop,x_0,y_99/w_700/v1673546768/39-105880063c0499b0a6ae.jpg" data-yle-id="39-105880063c0499b0a6ae" data-crop-coords="w_2953,h_1661,c_crop,x_0,y_99" data-image-width="2953" data-image-version="1673546768" data-copyright="Åbo Akademis bildbank" data-caption="Många tycker inte om tanken att beskatta boende, men Edvard Johansson som är professor i nationalekonomi vid Åbo Akademi säger att alternativet är att beskatta annat i stället." data-ydd-modal-src="https://web.archive.org/web/20230119094420/https://images.cdn.yle.fi/image/upload/f_auto,fl_progressive/q_auto/w_2953,h_1661,c_crop,x_0,y_99/w_2953/w_1400,h_1400,c_fit/v1673546768/39-105880063c0499b0a6ae.jpg" data-ydd-modal-width="1400" data-ydd-modal-height="788" class="ydd-image__image js-ydd-image lazyload" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 2953 1661'%3E%3Cdefs%3E%3Cpattern id='blurhash' patternUnits='userSpaceOnUse' width='2953' height='1661'%3E%3Cimage href='data:image/png;base64,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' x='0' y='0' width='100%25' height='100%25' preserveAspectRatio='xMinYMin slice'%3E%3C/image%3E%3C/pattern%3E%3C/defs%3E%3Crect width='100%25' height='100%25' fill='url(%23blurhash)' /%3E%3C/svg%3E" width="2953" height="1661"> <meta itemprop="url" content="https://web.archive.org/web/20230119094420/https://images.cdn.yle.fi/image/upload/f_auto,fl_progressive/fl_keep_iptc/q_88/w_2953,h_1661,c_crop,x_0,y_99/w_700/v1673546768/39-105880063c0499b0a6ae.jpg"> <noscript class="absolute inset-0"><img class="ydd-image__image" src="https://web.archive.org/web/20230119094420im_/https://images.cdn.yle.fi/image/upload/f_auto,fl_progressive/q_auto/w_2953,h_1661,c_crop,x_0,y_99/w_400/v1673546768/39-105880063c0499b0a6ae.jpg" alt=" Johansson, Edvard, professor i nationalekonomi vid Åbo Akademi"/></noscript> <figcaption class="ydd-image__captions text-xs pl-16 ram:pl-0 pt-8"> <span class="sr-only">Bildtext</span> <span class="text-gray-70" itemprop="description">Många tycker inte om tanken att beskatta boende, men Edvard Johansson som är professor i nationalekonomi vid Åbo Akademi säger att alternativet är att beskatta annat i stället.</span> <div class="text-gray-60" itemprop="copyrightHolder">Bild: Åbo Akademis bildbank</div> </figcaption> 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itemprop="articleSection" content="Ekonomi" class="ydd-body-content ydd-body-content--article mb-64"> <p class="ydd-lead font-bold text-lg owl:text-xl"> Finansminister Annika Saarikko (C) har initierat en utredning om skatteavdrag på bolåneräntor om räntorna stiger för mycket. Åbo Akademis professor i nationalekonomi, Edvard Johansson, anser att det behövs andra lösningar.</p> <p>Centerns ordförande, finansminister Annika Saarikko överraskade alla på tisdagskvällen när hon plötsligt började flagga för att återinföra ränteavdrag på bolån. Finland har under de tio senaste åren gradvis kört ned ett system där bolånetagare kunde dra av en del av sina ränteutgifter för hemmets bolån i beskattningen.</p><p>Systemet infördes efter kriget då landet var sönderbombat och staten ville främja återuppbyggningen. Det har ändå länge funnits en bred enighet om att avdragsrätten inte längre är ändamålsenlig. Det var därför som man valde att börja fasa ut avdraget för drygt tio år sedan.</p><p>I Ilta-Sanomats <a class="deco-link" href="https://web.archive.org/web/20230119094420/https://svenska.yle.fi/a/7-10026188">partiledardebatt</a> sade Saarikko att hon gläntar på dörren till ett ränteavdrag på bolån igen.</p><div class="ydd-article-image ydd-article-image--normal mb-32 ml-12 mr-12 mt-32 relative"> <div class="relative"> <div itemprop="image" itemscope="" itemtype="https://schema.org/ImageObject" class="ydd-image relative "> <figure role="group"> <img alt="Ilta-Sanomats partiledardebatt 10.1.2023: Från väntster Samlingsapartiets ordförande Petteri Orpo, Centerns ordförande Annika Saarikko och Vänsterförbundets ordförande Li Andersson." itemprop="image" content="https://images.cdn.yle.fi/image/upload/f_auto,fl_progressive/fl_keep_iptc/q_88/w_5120/w_700/v1673373073/39-105769563bda4cdde33a.jpg" data-yle-id="39-105769563bda4cdde33a" data-crop-coords="w_5120" data-image-width="5120" data-image-version="1673373073" data-copyright="Lehtikuva" data-caption="Finansminister Annika Saarikko (C) i Ilta-Sanomats valdebatt på tisdagen. " data-ydd-modal-src="https://web.archive.org/web/20230119094420/https://images.cdn.yle.fi/image/upload/f_auto,fl_progressive/q_auto/w_5120/w_1400/w_1400,h_933,c_fit/v1673373073/39-105769563bda4cdde33a.jpg" data-ydd-modal-width="1400" data-ydd-modal-height="933" class="ydd-image__image js-ydd-image lazyload" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 5120 3413'%3E%3Cdefs%3E%3Cpattern id='blurhash' patternUnits='userSpaceOnUse' width='5120' height='3413'%3E%3Cimage href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABAAAAALCAIAAAD5gJpuAAAACXBIWXMAAA7EAAAOxAGVKw4bAAABIklEQVQokS3OO3YVURADQKnfHUgISNglOVtjU2DwMZ7XP4kA8gqKX799tyHHiKuQAmAQj0AQgNdqO1fPdcqHFgDYdNAmDJAgAcKGCdOCBZv2oZP/vGkEQSACDCBgwLDoDSlWsTqhN4Mh2IRCDpIBhkkYlqXYiZno5epwXwFQpEkxEAAZhEnaFrTsRjWrY+Z4X/w/SZtyAOFgEKLh3ZntcqWzUH2mX2BIXHE35DAIEjRhezQ9nZNPZbrqdP2yIcVuzMSIEgUAAhZub6lT+dwsVZ+q3zZ3Hz2P7tPDHowkjN10Usku9rAWpZP9bnPm6r4ydSfv8rOnVPYdvi/lR+01vDoe+zg1ZccMqngn397j9daPu3/WE3qH/3xhfjY/+YN9Lp2/0kU1Z7hMBy4AAAAASUVORK5CYII=' x='0' y='0' width='100%25' height='100%25' preserveAspectRatio='xMinYMin slice'%3E%3C/image%3E%3C/pattern%3E%3C/defs%3E%3Crect width='100%25' height='100%25' fill='url(%23blurhash)' /%3E%3C/svg%3E" width="5120" height="3413"/> <meta itemprop="url" content="https://web.archive.org/web/20230119094420/https://images.cdn.yle.fi/image/upload/f_auto,fl_progressive/fl_keep_iptc/q_88/w_5120/w_700/v1673373073/39-105769563bda4cdde33a.jpg"/> <noscript class="absolute inset-0"><img class="ydd-image__image" src="https://web.archive.org/web/20230119094420im_/https://images.cdn.yle.fi/image/upload/f_auto,fl_progressive/q_auto/w_5120/w_400/v1673373073/39-105769563bda4cdde33a.jpg" alt="Ilta-Sanomats partiledardebatt 10.1.2023: Från väntster Samlingsapartiets ordförande Petteri Orpo, Centerns ordförande Annika Saarikko och Vänsterförbundets ordförande Li Andersson."/></noscript> <figcaption class="ydd-image__captions text-xs pt-8"> <span class="sr-only">Bildtext</span> <span class="text-gray-70" itemprop="description">Finansminister Annika Saarikko (C) i Ilta-Sanomats valdebatt på tisdagen. </span> <div class="text-gray-60" itemprop="copyrightHolder">Bild: Lehtikuva</div> <span class="hidden" itemprop="keywords">Annika Saarikko,Petteri Orpo,Li Andersson,Ilta-Sanomat,valdebatt,partiledare</span> </figcaption> </figure> </div> </div> </div><p>– Jag har i Finansministeriet kommit överens om att vi inleder en snabb analys där vi bedömer hur mycket räntan kan stiga innan man borde bedöma om man borde återinföra detta eller ett motsvarande system.</p><p>Hon påpekar att nästan en miljon finländare har bostadslån. Ofta handlar det om småbarnsfamiljer som också har många andra stora utgifter.</p><p>Finansministeriet bekräftar till Svenska Yle att frågan har diskuterats men konstaterar att utredningen ännu är i sin linda.</p><h2 class="ydd-heading-large">Edvard Johansson: Satsa på andra stöd</h2><p>Edvard Johansson som är professor i nationalekonomi vid Åbo Akademi hör till dem som inte ser någon större poäng med Annika Saarikkos utredning.</p><p>Johansson tycker det var ett bra beslut att slopa avdraget.</p><p>– Nu är vi i den situation vi borde vara i. Ränteavdraget hjälper egentligen fel personer. De som har stora bostadslån är de som har höga inkomster. Många skulle få räntestöd även om de inte borde få det.</p><p>Han påpekar att statens inkomster minskar om man återinför ett avdrag på bolån.</p><p>– Det måste ställas mot övriga frågor då man bedömer om det är värt att satsa på. Jag är nog skeptisk till det här förslaget.</p><p>I stället tycker Edvard Johansson att vi borde använda de stöd som redan finns för att hjälpa dem med låga inkomster och se över om man borde förändra deras nivåer hellre än att satsa på dyra stöd med dålig träffsäkerhet.</p><h2 class="ydd-heading-large">Bostadsplacerare kan göra ränteavdrag</h2><p>Även om den som har tagit ett bolån för sitt eget hem inte längre får dra av sina ränteutgifter i beskattningen får nog de som tagit ett lån för en placeringsbostad göra det.</p><p>Det kan verka bakvänt, men Edvard Johansson påpekar att placeringsbostäder ska jämföras med andra placeringar.</p><p>– Om man placerar i andra instrument som till exempel aktier får man göra den här typen av avdrag. Då drar man av räntorna från kapitalinkomster som man får av placeringsverksamheten. Det kan inte jämföras med bolån där man skulle få göra avdrag från sina egna arbetsinkomster.</p><h2 class="ydd-heading-large">De som äger sin bostad betalar mindre skatt än de som hyr</h2><p>Över lag tycker Edvard Johansson att ägarboendet fortfarande stöds för mycket i Finland. Som han räknar det är det fortfarande skattemässigt bättre att bo i en ägarbostad än i en hyresbostad.</p><p>– Hyresvärden är tvungen att betala kapitalskatt på sina hyresintäkter. Men om man bor i en ägarbostad är man sin egen hyresvärd. Då kan man se det som att man i teorin betalar en hyra till sig själv som man inte behöver betala skatt på. Det är en fördel.</p><p>Ett exempel där det här syns i praktiken är om man köper en lägenhet som man tidigare hyrt.</p><p>Medan man hyrt lägenheten har hyresvärden betalat kapitalskatt på sina hyresinkomster från lägenheten. Detta har hyresvärden beaktat genom att begära en tillräckligt hög hyra för att både få en vinst och kunna betala skatt.</p><p>När man väl köpt lägenheten behöver man inte längre betala hyra, och kan alltså behålla både den andel av hyran som förr gick till hyresvärden och den andel som hyresvärden förr betalade som skatt. Staten förlorar pengar och bostadsägaren vinner dem.</p><p>– Den här försvinnande skatten förvränger valet mellan att bo i hyreslägenhet eller i ägarbostad. Det är en av orsakerna till att hyresmarknaden i Finland är ganska liten, säger Edvard Johansson.</p><p>Ett sätt att göra det mera jämlikt skulle antingen vara att man beskattade ägarbostäder hårdare, eller att hyresinkomster skulle vara skattefria för hyresvärdar. Det skulle ändå ställa till med problem då man jämför placeringsbostäder med andra investeringar som placeringar i aktier eller andra värdepapper.</p><p>– Det skulle bli problematiskt om staten skulle främja placeringar i hyresbostäder med skattelättnader men beskatta placeringar i aktier och andra värdepapper, säger Edvard Johansson.</p><h2 class="ydd-heading-large">”Beskatta all försäljning av bostäder lika”</h2><p>Eftersom Edvard Johansson tycker att ägandet av den egna bostaden får onödigt mycket stöd skulle han helst också beskatta all försäljningen av bostäder på samma sätt oberoende av hur länge ägaren bott där.</p><p>För tillfället får ägaren sälja bostaden skattefritt om hen bott där i minst två år.</p><p>– Också det är en omotiverad skattefördel. Det betyder att om man haft god tur och ens hus eller lägenhet har stigit mycket i värde får man en kapitalvinst som man kan realisera utan skattekonsekvenser.</p><p>Det tycker Edvard Johansson inte är i samklang med beskattningen av andra typer av förmögenhetsobjekt.</p><p>– Varför ska de vinsterna vara skattefria när vinster från andra placeringar inte är det. Placerar man i aktier eller andra tillgångar får man nog betala kapitalskatt när man säljer oavsett hur länge man har behållit dem.</p><p>Edvard Johansson tycker det skulle vara smartare att avveckla andra skatter i stället.</p><p>– Till exempel överlåtelseskatten på köp av mark och fastigheter är en dålig skatt som man gärna kunde slopa. Det är en skatt på att flytta och den har flera negativa konsekvenser.</p><p>En av dem är effekten på arbetsmarknaden, Det blir det lättare att flytta mellan olika orter om kostnaderna för att köpa och sälja fastigheter minskar.</p><div class="ydd-article-image ydd-article-image--normal mb-32 ml-12 mr-12 mt-32 relative"> <div class="relative"> <div itemprop="image" itemscope="" itemtype="https://schema.org/ImageObject" class="ydd-image relative "> <figure role="group"> <img alt="Henkilö katsomassa myynnissä olevaa kerrostaloasuntoa." itemprop="image" content="https://images.cdn.yle.fi/image/upload/f_auto,fl_progressive/fl_keep_iptc/q_88/w_5000/w_700/v1673531298/39-105860163c00b9200ce2.jpg" data-yle-id="39-105860163c00b9200ce2" data-crop-coords="w_5000" data-image-width="5000" data-image-version="1673531298" data-copyright="Henrietta Hassinen / Yle" data-caption="" data-ydd-modal-src="https://web.archive.org/web/20230119094420/https://images.cdn.yle.fi/image/upload/f_auto,fl_progressive/q_auto/w_5000/w_1400/w_1400,h_1400,c_fit/v1673531298/39-105860163c00b9200ce2.jpg" data-ydd-modal-width="1400" data-ydd-modal-height="1400" class="ydd-image__image js-ydd-image lazyload" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 5000 5000'%3E%3Cdefs%3E%3Cpattern id='blurhash' patternUnits='userSpaceOnUse' width='5000' height='5000'%3E%3Cimage href='data:image/png;base64,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' x='0' y='0' width='100%25' height='100%25' preserveAspectRatio='xMinYMin slice'%3E%3C/image%3E%3C/pattern%3E%3C/defs%3E%3Crect width='100%25' height='100%25' fill='url(%23blurhash)' /%3E%3C/svg%3E" width="5000" height="5000"/> <meta itemprop="url" content="https://web.archive.org/web/20230119094420/https://images.cdn.yle.fi/image/upload/f_auto,fl_progressive/fl_keep_iptc/q_88/w_5000/w_700/v1673531298/39-105860163c00b9200ce2.jpg"/> <noscript class="absolute inset-0"><img class="ydd-image__image" src="https://web.archive.org/web/20230119094420im_/https://images.cdn.yle.fi/image/upload/f_auto,fl_progressive/q_auto/w_5000/w_400/v1673531298/39-105860163c00b9200ce2.jpg" alt="Henkilö katsomassa myynnissä olevaa kerrostaloasuntoa."/></noscript> <figcaption class="ydd-image__captions text-xs pt-8"> <div class="text-gray-60" itemprop="copyrightHolder">Bild: Henrietta Hassinen / Yle</div> <span class="hidden" itemprop="keywords">fastighetsförmedling,fastighetsköp,bostadsköp,bostäder,boende,bostadsområden,bostadsaktiebolag,bostadsproduktion,bostadspolitik,bostadshus,bostadsmarknaden,Bolåneränta,Amorteringsfri period för bostadslånet,Lånetak för bostadslån,amortering av bostadslån,Konkurrensutsättning av bostadslån,Bostadslånekalkylator,Euribor,Esbo,flervåningshus,höghusområden,70-talet,Sökö, Esbo stad,bostadssparpremielån,First-time buyer,ekonomi,ekonomisk planering,hushåll,ekonomiska indikatorer,Finlands ekonomi,kreditmarknad,lån,lån garanti,Låneavtal,återbetalning av ett lån,amortering på ett lån,lånbetalninssätt,Lainaneuvottelu,gäldenär</span> </figcaption> </figure> </div> </div> </div><p>– Dessutom skulle det vara effektivare ur samhällets synvinkel om det skulle vara enklare för äldre människor som bor i en lägenhet att byta till en lite mindre lägenhet. En effekt av överlåtelseskatten är att den till viss del får folk att dra sig från att byta ner sig till en annan lägenhet. Utan den skulle det kanske bli ett större utbud på större lägenheter. Vi skulle använda de till buds stående husen lite bättre, säger Edvard Johansson.</p><p>Han erkänner att folk tar lite bättre hand om saker som de äger själv jämfört med saker som de hyr.</p><p>– Men jag skulle ändå säga att många nationalekonomer förhåller sig kritiskt till att det är så stor skillnad mellan att bo in en ägarbostad jämfört med att bo i hyreslägenhet på grund av skattefördelarna.</p> </div> <div class="-ml-16 -mr-16"> <details class="ydd-article-tags__details mb-32 ml-16 mt-32"> <summary class="ydd-article-tags__summary cursor-pointer flex pb-16 pointer-events-none relative select-none summary-reset"> <div class="flex"> <div class="ydd-article-tags__pill bg-gray-5 border border-gray-10 flex items-center pointer-events-auto rounded-4xl"> <span id="aria-article-tags" class="ydd-article-tags__pill-text text-gray-60 truncate">Taggar: <span aria-hidden="true" itemprop="keywords" content="ekonomi, beskattning, nationalekonomi, Annika Saarikko, Finland, hyresbostäder, bostadslån, hyresvärdar, bostäder, skatt, Bolåneränta, hyreslägenheter, ränta, pengar">Ekonomi, Beskattning</span> </span> <span class="ydd-article-tags__toggle ml-8"></span> </div> </div> </summary> <div class="ydd-article-tags__content pl-8"> <ul class="ydd-article-tags__list break-word list-reset relative w-full" aria-labelledby="aria-article-tags"> <li class="ydd-article-tags__list-item mb-16 pl-16 relative"> <a class="deco-link" href="/web/20230119094420/https://svenska.yle.fi/t/18-204933">Ekonomi</a> </li> <li class="ydd-article-tags__list-item mb-16 pl-16 relative"> <a class="deco-link" href="/web/20230119094420/https://svenska.yle.fi/t/18-212449">Beskattning</a> </li> <li class="ydd-article-tags__list-item mb-16 pl-16 relative"> <a class="deco-link" href="/web/20230119094420/https://svenska.yle.fi/t/18-8031">Nationalekonomi</a> </li> <li class="ydd-article-tags__list-item mb-16 pl-16 relative"> <a class="deco-link" href="/web/20230119094420/https://svenska.yle.fi/t/18-186741">Annika Saarikko</a> </li> <li class="ydd-article-tags__list-item mb-16 pl-16 relative"> <a class="deco-link" href="/web/20230119094420/https://svenska.yle.fi/t/18-187871">Finland</a> </li> <li class="ydd-article-tags__list-item mb-16 pl-16 relative"> <a class="deco-link" href="/web/20230119094420/https://svenska.yle.fi/t/18-207277">Hyresbostäder</a> </li> <li class="ydd-article-tags__list-item mb-16 pl-16 relative"> <a class="deco-link" href="/web/20230119094420/https://svenska.yle.fi/t/18-218143">Bostadslån</a> </li> <li class="ydd-article-tags__list-item mb-16 pl-16 relative"> <a class="deco-link" href="/web/20230119094420/https://svenska.yle.fi/t/18-21117">Hyresvärdar</a> </li> <li class="ydd-article-tags__list-item mb-16 pl-16 relative"> <a class="deco-link" href="/web/20230119094420/https://svenska.yle.fi/t/18-211498">Bostäder</a> </li> <li class="ydd-article-tags__list-item mb-16 pl-16 relative"> <a class="deco-link" href="/web/20230119094420/https://svenska.yle.fi/t/18-216025">Skatt</a> </li> <li class="ydd-article-tags__list-item mb-16 pl-16 relative"> <a class="deco-link" href="/web/20230119094420/https://svenska.yle.fi/t/18-164083">Bolåneränta</a> </li> <li class="ydd-article-tags__list-item mb-16 pl-16 relative"> <a class="deco-link" href="/web/20230119094420/https://svenska.yle.fi/t/18-212587">Hyreslägenheter</a> </li> <li class="ydd-article-tags__list-item mb-16 pl-16 relative"> <a class="deco-link" href="/web/20230119094420/https://svenska.yle.fi/t/18-214632">Ränta</a> </li> <li class="ydd-article-tags__list-item mb-16 pl-16 relative"> <a class="deco-link" href="/web/20230119094420/https://svenska.yle.fi/t/18-216561">Pengar</a> </li> </ul> </div> </details> <div class="mb-32 min-h-[64px] px-12" id="comments"> <h2 class="sr-only">Diskussion om artikeln</h2> <div class="js-ydd-comments-plugin lazyload" data-id="7-10026361"></div> </div> <aside id="ydd-article-related-content"> <div class="border-b-4 border-gray-10 deco-line-title mb-16 mt-8 pl-16 pr-16 w-full"> <div class="items-center flex justify-between"> <h3 class="font-yle-black text-lg" id="aria-articles-list-related-content"> Relaterat </h3> </div> </div> <div class="ydd-cards w-full list-"> <div class="ydd-card ydd-card--s-extended"> <div class="ydd-card__wrap"> <div class="ydd-card__content mr-16 ml-16 flex flex-wrap"> <div class="w-full"> <a href="https://web.archive.org/web/20230119094420/https://svenska.yle.fi/a/7-10026812"> <div class="ml-16 mb-8 w-1/4 float-right cod:w-1/6"> <div class="relative"> <div itemprop="image" itemscope="" itemtype="https://schema.org/ImageObject" class="ydd-image relative "> <figure role="group"> <img alt="Plastinpackade raka gurkor på en hylla i en matbutik. 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"/></noscript> </figure> </div> </div> </div> <h3 class="font-yle-black mb-16 text-md dog:text-lg">I fjol exporterade Finland för första gången livsmedel värt över 2 miljarder euro</h3> </a> <p class="mb-0 text-gray-95 text-md">Exporten har ökat mest till Frankrike.</p> <div class="ydd-card__footer flex flex-wrap items-center mt-16"> <div class="flex items-center mb-8"> <span class="flex icon icon--time"></span> <div aria-label="Publicerad" class="mr-8 pr-11 pb-5 pt-5 text-gray-60 text-xs">19.1.2023</div> </div> </div> </div> </div> </div> </div> <div class="border-gray-10 border-t mx-16"></div> <div class="ydd-card ydd-card--s-extended"> <div class="ydd-card__wrap"> <div class="ydd-card__content mr-16 ml-16 flex flex-wrap"> <div class="w-full"> <a href="https://web.archive.org/web/20230119094420/https://svenska.yle.fi/a/7-10026780"> <div class="ml-16 mb-8 w-1/4 float-right cod:w-1/6"> <div class="relative"> <div itemprop="image" itemscope="" itemtype="https://schema.org/ImageObject" class="ydd-image relative "> <figure role="group"> <img alt="I förgrunden vd Satya Nadella, och upptill Microsofts logo." itemprop="image" content="https://images.cdn.yle.fi/image/upload/f_auto,fl_progressive/fl_keep_iptc/q_88/w_3316,h_3316,c_fill,g_faces/w_700/v1642531207/39-90350361e70943275ba.jpg" data-yle-id="39-90350361e70943275ba" data-crop-coords="w_3316,h_3316,c_fill,g_faces" data-image-width="3316" data-image-version="1642531207" class="ydd-image__image js-ydd-image lazyload" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 3316 3316'%3E%3Cdefs%3E%3Cpattern id='blurhash' patternUnits='userSpaceOnUse' width='3316' height='3316'%3E%3Cimage href='data:image/png;base64,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' x='0' y='0' width='100%25' height='100%25' preserveAspectRatio='xMinYMin slice'%3E%3C/image%3E%3C/pattern%3E%3C/defs%3E%3Crect width='100%25' height='100%25' fill='url(%23blurhash)' /%3E%3C/svg%3E" width="3316" height="3316"> <meta itemprop="url" content="https://web.archive.org/web/20230119094420/https://images.cdn.yle.fi/image/upload/f_auto,fl_progressive/fl_keep_iptc/q_88/w_3316,h_3316,c_fill,g_faces/w_700/v1642531207/39-90350361e70943275ba.jpg"> <noscript class="absolute inset-0"><img class="ydd-image__image" src="https://web.archive.org/web/20230119094420im_/https://images.cdn.yle.fi/image/upload/f_auto,fl_progressive/q_auto/w_3316,h_3316,c_fill,g_faces/w_400/v1642531207/39-90350361e70943275ba.jpg" alt="I förgrunden vd Satya Nadella, och upptill Microsofts logo."/></noscript> </figure> </div> </div> </div> <h3 class="font-yle-black mb-16 text-md dog:text-lg">Microsoft säger upp 10 000 personer världen över</h3> </a> <p class="mb-0 text-gray-95 text-md">Boomen under coronapandemin är över.</p> <div class="ydd-card__footer flex flex-wrap items-center mt-16"> <div class="flex items-center mb-8"> <span class="flex icon icon--time"></span> <div aria-label="Publicerad" class="mr-8 pr-11 pb-5 pt-5 text-gray-60 text-xs">18.1.2023</div> </div> </div> </div> </div> </div> </div> <div class="border-gray-10 border-t mx-16"></div> <div class="ydd-card ydd-card--s-extended"> <div class="ydd-card__wrap"> <div class="ydd-card__content mr-16 ml-16 flex flex-wrap"> <div class="w-full"> <a href="https://web.archive.org/web/20230119094420/https://svenska.yle.fi/a/7-10026746"> <div class="ml-16 mb-8 w-1/4 float-right cod:w-1/6"> <div class="relative"> <div itemprop="image" itemscope="" itemtype="https://schema.org/ImageObject" class="ydd-image relative "> <figure role="group"> <img alt="Människor och trafik på gata i Indien." itemprop="image" content="https://images.cdn.yle.fi/image/upload/f_auto,fl_progressive/fl_keep_iptc/q_88/w_3850,h_3850,c_fill,g_faces/w_700/v1674048696/39-103410863735081ed1de.jpg" data-yle-id="39-103410863735081ed1de" data-crop-coords="w_3850,h_3850,c_fill,g_faces" data-image-width="3850" data-image-version="1674048696" class="ydd-image__image js-ydd-image lazyload" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 3850 3850'%3E%3Cdefs%3E%3Cpattern id='blurhash' patternUnits='userSpaceOnUse' width='3850' height='3850'%3E%3Cimage href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABAAAAALCAIAAAD5gJpuAAAACXBIWXMAAA7EAAAOxAGVKw4bAAABC0lEQVQokTXLMY4cUQwDUVL67dnZsxlw4vvfY7olloOFw3pA+e+f39399X6/v9/v7+/X69Xn2AVoV6SUq7iOf3Wd9gGBAEkCflr/CZDAwkjIhxGSFhYSJSRYCSREbZW0uCmokwdDLphlNj2WUAVtIIqldlV1VVWdvVHI2Vyba1IlhGrwRKBygavcVVad5xNW07XX7KmV2MT9UBOvqoygTAnCz8DTnqumVaLCOo/6oReVJWziiOZ87k18HT0fXUVJjlKM9UgrWSLyRuOUzmcn8nXnPpzCVkU53qp1jSKJxINMpPPJIt1Tz80UbZcK9Z6OiYGIOFF22fMQo1lmNOMzUYeGQAMEtPGM52HnHweNDn7+3wQDAAAAAElFTkSuQmCC' x='0' y='0' width='100%25' height='100%25' preserveAspectRatio='xMinYMin slice'%3E%3C/image%3E%3C/pattern%3E%3C/defs%3E%3Crect width='100%25' height='100%25' fill='url(%23blurhash)' /%3E%3C/svg%3E" width="3850" height="3850"> <meta itemprop="url" content="https://web.archive.org/web/20230119094420/https://images.cdn.yle.fi/image/upload/f_auto,fl_progressive/fl_keep_iptc/q_88/w_3850,h_3850,c_fill,g_faces/w_700/v1674048696/39-103410863735081ed1de.jpg"> <noscript class="absolute inset-0"><img class="ydd-image__image" src="https://web.archive.org/web/20230119094420im_/https://images.cdn.yle.fi/image/upload/f_auto,fl_progressive/q_auto/w_3850,h_3850,c_fill,g_faces/w_400/v1674048696/39-103410863735081ed1de.jpg" alt="Människor och trafik på gata i Indien."/></noscript> </figure> </div> </div> </div> <h3 class="font-yle-black mb-16 text-md dog:text-lg">Indien kan redan ha den största befolkningen i världen – Kinas befolkning minskade för första gången på sextio år</h3> </a> <p class="mb-0 text-gray-95 text-md">Skillnaden 5 miljoner – men symbolvärdet stort.</p> <div class="ydd-card__footer flex flex-wrap items-center mt-16"> <div class="flex items-center mb-8"> <span class="flex icon icon--time"></span> <div aria-label="Publicerad" class="mr-8 pr-11 pb-5 pt-5 text-gray-60 text-xs">18.1.2023</div> </div> </div> </div> </div> </div> </div> <div class="border-gray-10 border-t mx-16"></div> <div class="ydd-card ydd-card--telegram"> <div class="ydd-card__wrap"> <div class="ydd-card__content mr-16 ml-16 flex flex-wrap"> <div class="w-full"> <a href="https://web.archive.org/web/20230119094420/https://svenska.yle.fi/a/7-10026773"> <h3 class="font-yle-black text-md dog:text-lg">Räntorna på statsskulden slukar det mesta av tilläggsbudgeten</h3> </a> <div class="mb-0 mt-16 text-gray-95 text-md"><p>Finansministeriet lägger fram ett förslag på en tilläggsbudget som uppgår till 1,7 miljarder euro.</p><p>Merparten av summan går till räntekostnaderna för statsskulden, det är frågan om över en miljard euro.</p><p>I förslaget ingår den planerade engångsersättning till hushållen för höga elkostnader, cirka 400 miljoner euro är beräknat för det.</p><p>Frågan om välfärdsområdenas finansiering är fortfarande oklar. Enligt ministeriet finns det cirka 250 miljoner euro att röra sig med inom ramen för tilläggsbudgeten.</p><p><em>Källa: STT</em></p></div> <div class="ydd-card__footer flex flex-wrap items-center mt-16"> <div class="flex items-center mb-8"> <span class="flex icon icon--time"></span> <div aria-label="Publicerad" class="mr-8 pr-11 py-5 text-gray-60 text-xs">18.1.2023</div> </div> </div> </div> </div> </div> </div> </div> </aside> </div> </div> </article> </div> </div> </div> </main> <div> <section class="ydd-footer bg-gray-10 p-16 text-center" id="ylefifooter" aria-labelledby="footer-headline"> <div class="border-b border-light pb-16"> <a class="ydd-button border-2 font-bold inline-flex items-center justify-center leading-relaxed focus:outline-none focus:outline-3 focus:outline-turquoise-60 rounded-full shrink-0 text-xs bg-dark border-transparent text-light hover:bg-[#000]/70 hover:dark:bg-[#fff]/70 px-20 py-8 cursor-pointer" href="#top"> Till sidans topp </a> </div> <h2 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