[ad_1]
More generous rules in the unemployment insurance fund and delayed reimbursement claims can give more than SEK 10,000 in reinforcement for households affected by unemployment, according to calculations from total crisis packages.
Private economist Arturo Arques, Swedbank. Stock Photography.
– Government policy makes a difference, but it is still a test for many households, says Swedbank’s private economist, Arturo Arques.
When the government presents its spring budget today, it can be seen that several of the crisis measures are already hammered into the Riksdag in several additional amending spring budgets. An attempt to summarize efforts targeting households shows that the temporarily improved Fund A and late mortgage payment requirements are the heaviest pieces.
For the family of two children with a SEK 3.8 million villa loan and a loan / value ratio of 85 percent of the purchase price, where the highest paid household is unemployed, it is around SEK 10,000 rather than with the old rules, where the home had returned, according to Swedbank’s calculations based on some kind of home.
“It is a difference between starting the economy or not,” says Arturo Arques.
Without the measures, many more households would have accomplished what they needed without money, according to Arques.
The consequence of relatively generous crisis packages means that the monthly economy of the homeowner is only reduced by a little more than a few thousand dollars when a person becomes unemployed.
The removed depreciation requirement makes the biggest difference, in the calculation example above, just over SEK 6,000 per month. The same family living in a rental apartment receives just over SEK 4,000 a month after the most necessary expenses have been paid, which is the same amount as the maximum cash after-tax cash limit. In almost the same way, a single person’s home is affected by unemployment.
On the other hand, those who have significantly lower wages, are not in the unemployment insurance fund, or have worked very little to reach minimum levels of unemployment insurance, approximately two days a week for the past six months, hardly any. there will be extra money.
Another improvement in private finance in crisis packages that have been raised is the reduction of the waiting period deduction from sick pay.
It is also allowed to work more for those who receive scholarships without the support being reduced to the limit.
– It’s great that you can jump and work more, says Arturo Arques.
This is changing
The cash cap is raised in the first 100 days from SEK 910 to SEK 1,200 per day, which in one month corresponds to an increase from SEK 25,000 to SEK 33,000 per month.
However, the compensation is only 80 percent, so at most you can get SEK 26,400 per month before taxes. After taxes, the maximum limit corresponds to those who normally have a monthly salary of more than 33,000 SEK, 4,000 more SEK per month.
Also, the rules have been changed so that cell A covers more. At the same time, the base amount is increased for those who have been unable to qualify for income related cash.
The repayment requirement is temporarily removed from the list, which means that banks do not have to compel mortgage borrowers to pay. So it depends on the banks how they act.
The free amount of study aid increases, allowing you to earn more money without cutting the aid off the edge.
The salary deduction in sick pay is reduced.
