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NJA 1997 s. 86
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NJA 1997 s. 86
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@misc{nja-1997-s-86,
author = {{Högsta domstolen}},
title = {{NJA 1997 s. 86}},
year = {1997},
howpublished = {Rättsfall}
}Dom
Hämtar dom…
Omtalad i rättsvetenskapen
4 hänvisningar i 3 artiklar · 4 stycken/fotnoter
Svensk rättspraxis Förmögenhetsrätt 1978–20042 hänvisningar
- I NJA 1997 s. 86 prövades betydelsen av innehållet i ett skuldebrev. På förstasidan angavs bl.a. ”Räntesats f.n. %” 14,500 %. Under rubriken ”Amortering” angavs ”Att betala varje förfallodag kronor … 2 610:- inkl amort, ränta och exp avg”. Vidare angavs att kredittiden var fem år. Vid rubriken ”Betalningsåtagande” hänvisades avseende betalning av ränta till de allmänna villkoren på s. 3 och 4. Under punkten 1 med rubriken ”Ränta” i de allmänna villkoren angavs i första stycket att ”Ränta skall beräknas efter den räntesats och enligt de grunder, som banken vid varje tid tillämpar för kredit av detta slag. Den räntesats, som gäller då krediten lämnas, är angiven på första sidan”. I andra stycket föreskrevs att ”Ändring av räntesatsen får ske med omedelbar verkan i samband med ändring av riksbankens diskonto eller då det motiveras av annan kreditpolitisk åtgärd eller av ändring i det allmänna ränteläget”. Enligt kreditgivaren skulle lånet amorteras under längre tid än fem år om räntan ändrades. Det av banken använda skuldebrevsformuläret var avsett för lån med rörlig ränta och inte för annuitetslån. Enligt HD fick det anses klart framgå av de allmänna villkoren att räntan inte var fastställd att gälla för hela kredittiden utan kunde komma att ändras under lånets löptid. Angivandet av kredittid om fem år kunde enligt domstolen inte ges den betydelsen att lånet skulle anses vara slutbetalat efter fem år, oavsett ränteförändringar. Trots att följderna av räntesatsförändringar inte uttryckligen angivits i skuldebrevet ansåg HD att dessa ”måste … vid en läsning av villkoren framstå som ofrånkomliga”, varför en kreditgivare som valt att erlägga fast månadsbelopp måste räkna med att ränteförändringar påverkade återbetalningstiden.
- NJA 1978 s. 147...........................626, 627 NJA 1981 s. 1091.................685, 706, 714 NJA 1978 s. 223..................................614 NJA 1981 s. 1205.................................591 NJA 1978 s. 301...........................642, 650 NJA 1981 s. 1255.................................641 NJA 1978 s. 307...642, 647, 651, 712, 719 NJA 1982 s. 36............................645, 695 NJA 1978 s. 317..................................557 NJA 1982 s. 138..................................616 NJA 1978 s. 389..................................634 NJA 1982 s. 244..................................624 NJA 1978 s. 432...................601, 702, 718 NJA 1982 s. 301..................................681 NJA 1978 s. 618..................................698 NJA 1982 s. 366 I................................658 NJA 1978 s. 628..................................604 NJA 1982 s. 380..................................679 NJA 1978 s. 742..................................728 NJA 1982 s. 386..................................701 NJA 1979 s. 85....................................698 NJA 1982 s. 390..................................597 NJA 1979 s. 94....................................690 NJA 1982 s. 404..........................687, 688 NJA 1979 s. 295..................................687 NJA 1982 s. 493..................................589 NJA 1979 s. 401..................................601 NJA 1982 s. 493 I................................579 NJA 1979 s. 451..................................634 NJA 1982 s. 493 II...............................579 NJA 1979 s. 483...................595, 608, 649 NJA 1982 s. 573..................................734 NJA 1979 s. 666...........................592, 593 NJA 1982 s. 589..........................561, 661 NJA 1979 s. 670...........................686, 721 NJA 1982 s. 613..................................599 NJA 1979 s. 731..................................594 NJA 1982 s. 691..........................585, 636 NJA 1979 s. 790...................645, 647, 695 NJA 1982 s. 778..................................556 NJA 1980 s. 1......................................580 NJA 1982 s. 800..........................590, 591 NJA 1980 s. 46....................................601 NJA 1982 s. 853..................................591 NJA 1980 s. 145...................583, 597, 624 NJA 1983 s. 118..................................679 NJA 1980 s. 263..................................582 NJA 1983 s. 229..................................572 NJA 1980 s. 311..................................678 NJA 1983 s. 332..........................594, 673 NJA 1980 s. 383...........................700, 701 NJA 1983 s. 385..................................594 NJA 1980 s. 398...........................613, 656 NJA 1983 s. 510..........................590, 591 NJA 1980 s. 547..................................660 NJA 1983 s. 550..................................561 NJA 1980 s. 555..................................647 NJA 1983 s. 604..................................556 NJA 1980 s. 624..................................642 NJA 1983 s. 617..........................698, 699 NJA 1980 s. 705...........................561, 660 NJA 1983 s. 617 I................................704 NJA 1981 s. 259...........................636, 637 NJA 1983 s. 808..........................616, 656 NJA 1981 s. 269..................................586 NJA 1983 s. 858..................641, 651, 695 NJA 1981 s. 323...........................556, 615 NJA 1983 s. 865...........595, 642, 647, 656 NJA 1981 s. 400...........................615, 655 NJA 1984 s. 3......................647, 650, 695 NJA 1981 s. 412..................................556 NJA 1984 s. 12....................................645 NJA 1981 s. 552..................................614 NJA 1984 s. 45....................................659 NJA 1981 s. 577..................................743 NJA 1984 s. 115..........................598, 625 NJA 1981 s. 693...........................561, 661 NJA 1984 s. 185..................................731 NJA 1981 s. 711..................................590 NJA 1984 s. 229..................................593 NJA 1981 s. 718..................................582 NJA 1984 s. 251..................................669 NJA 1981 s. 811..................................558 NJA 1984 s. 271..........................644, 657 NJA 1981 s. 815..................................647 NJA 1984 s. 280..........................598, 625 NJA 1981 s. 848..................................604 NJA 1984 s. 381..................................726 NJA 1981 s. 894...........................651, 656 NJA 1984 s. 482..................................555 NJA 1981 s. 897..................................559 NJA 1984 s. 501 I................................671 NJA 1981 s. 1050.........................687, 688 NJA 1984 s. 501 II...............................671 NJA 1981 s. 1072................................614 NJA 1984 s. 600..........................733, 734 NJA 1984 s. 673..................................560 NJA 1987 s. 80............................677, 678 NJA 1984 s. 733..................................693 NJA 1987 s. 167..................................561 NJA 1984 s. 747..................................749 NJA 1987 s. 211..................................563 NJA 1984 s. 772..................................561 NJA 1987 s. 243..........................734, 747 NJA 1984 s. 795..................................602 NJA 1987 s. 253..................................733 NJA 1985 s. 29....................................688 NJA 1987 s. 259..........................733, 745 NJA 1985 s. 97....................................561 NJA 1987 s. 266..................................621 NJA 1985 s. 121..................................732 NJA 1987 s. 312..................................687 NJA 1985 s. 178...................581, 585, 586 NJA 1987 s. 383..................................754 NJA 1985 s. 219..................................637 NJA 1987 s. 394..................................600 NJA 1985 s. 223...........................728, 729 NJA 1987 s. 417..................................679 NJA 1985 s. 232..................................634 NJA 1987 s. 468..................................744 NJA 1985 s. 274..................................650 NJA 1987 s. 553..................................604 NJA 1985 s. 343..................................618 NJA 1987 s. 592..................................572 NJA 1985 s. 352..................................723 NJA 1987 s. 639..................................593 NJA 1985 s. 365..................................633 NJA 1987 s. 668..................................636 NJA 1985 s. 373..................................585 NJA 1987 s. 692..........................573, 700 NJA 1985 s. 397 I.........................596, 621 NJA 1987 s. 710..................................705 NJA 1985 s. 397 II...............615, 631, 689 NJA 1987 s. 716..................................734 NJA 1985 s. 468...........................729, 732 NJA 1987 s. 726..................................559 NJA 1985 s. 561..................................750 NJA 1987 s. 746..................................733 NJA 1985 s. 573...........................580, 721 NJA 1987 s. 763..................................723 NJA 1985 s. 615..................................561 NJA 1987 s. 835..........................605, 712 NJA 1985 s. 641..................................679 NJA 1987 s. 845 I........................561, 580 NJA 1985 s. 717...................566, 569, 570 NJA 1987 s. 845 II...............................580 NJA 1985 s. 871...........................648, 650 NJA 1987 s. 982..................................754 NJA 1985 s. 879..................................684 NJA 1988 s. 3..............................694, 695 NJA 1986 s. 3......................................672 NJA 1988 s. 94....................................730 NJA 1986 s. 40....................................663 NJA 1988 s. 176..................................743 NJA 1986 s. 44.............................665, 666 NJA 1988 s. 197..................................561 NJA 1986 s. 61.............................709, 710 NJA 1988 s. 205..................................668 NJA 1986 s. 136...........................634, 684 NJA 1988 s. 230..................................600 NJA 1986 s. 146..................................637 NJA 1988 s. 312..................................658 NJA 1986 s. 198..................................742 NJA 1988 s. 335..................649, 682, 684 NJA 1986 s. 205...........................589, 689 NJA 1988 s. 363..................................724 NJA 1986 s. 358..................................672 NJA 1988 s. 408..................................611 NJA 1986 s. 366..................................636 NJA 1988 s. 457..................578, 724, 725 NJA 1986 s. 388..................................592 NJA 1988 s. 503 I................................735 NJA 1986 s. 454..................................668 NJA 1988 s. 503 II.......................735, 736 NJA 1986 s. 470..................................672 NJA 1988 s. 512..................................607 NJA 1986 s. 495..................................583 NJA 1988 s. 583..........................669, 690 NJA 1986 s. 503..................................618 NJA 1988 s. 598..................................743 NJA 1986 s. 513..................................633 NJA 1989 s. 7......................................691 NJA 1986 s. 539..................................733 NJA 1989 s. 9......................................661 NJA 1986 s. 596...........................570, 616 NJA 1989 s. 117..........................651, 712 NJA 1986 s. 670 I.........616, 644, 648, 656 NJA 1989 s. 156..................652, 703, 712 NJA 1986 s. 696...........................665, 666 NJA 1989 s. 177..................................668 NJA 1986 s. 712...........................679, 706 NJA 1989 s. 185..................................732 NJA 1986 s. 741..................................561 NJA 1989 s. 206..................................685 NJA 1986 s. 748..................................585 NJA 1989 s. 215..................................639 NJA 1989 s. 224...........................576, 683 NJA 1992 s. 263..........................565, 635 NJA 1989 s. 269...607, 615, 619, 675, 736 NJA 1992 s. 268 I................................663 NJA 1989 s. 346...........596, 597, 605, 619 NJA 1992 s. 268 II...............................663 NJA 1989 s. 389..................................679 NJA 1992 s. 290..................................593 NJA 1989 s. 505...........................585, 586 NJA 1992 s. 299..................................564 NJA 1989 s. 546...........................673, 725 NJA 1992 s. 303..................................739 NJA 1989 s. 614...................587, 702, 714 NJA 1992 s. 326..................................699 NJA 1989 s. 671...........................665, 666 NJA 1992 s. 351..................674, 722, 723 NJA 1989 s. 768..................................565 NJA 1992 s. 375..........................617, 628 NJA 1989 s. 773..................................612 NJA 1992 s. 403..................................621 NJA 1990 s. 18....................................560 NJA 1992 s. 414..................575, 622, 623 NJA 1990 s. 24.............................604, 621 NJA 1992 s. 428..................................606 NJA 1990 s. 35.............................736, 746 NJA 1992 s. 439..........................623, 751 NJA 1990 s. 80....................................678 NJA 1992 s. 502..................................707 NJA 1990 s. 110..................................732 NJA 1992 s. 782..566, 596, 619, 658, 703, NJA 1990 s. 245..................................659 749 NJA 1990 s. 405..................................690 NJA 1992 s. 829..........................742, 752 NJA 1990 s. 591...................566, 567, 569 NJA 1992 s. 845 I................................739 NJA 1990 s. 608...................643, 680, 713 NJA 1992 s. 845 II...............................739 NJA 1990 s. 705..................................718 NJA 1992 s. 892..................................742 NJA 1990 s. 745...........................626, 627 NJA 1993 s. 163..................630, 673, 674 NJA 1991 s. 3 I....................................584 NJA 1993 s. 188..................................669 NJA 1991 s. 3 II..................................584 NJA 1993 s. 222..................................664 NJA 1991 s. 43.............................654, 705 NJA 1993 s. 228..................................751 NJA 1991 s. 217...........................697, 717 NJA 1993 s. 319..................................589 NJA 1991 s. 277...................673, 674, 722 NJA 1993 s. 324..................................561 NJA 1991 s. 319..................................609 NJA 1993 s. 436..................603, 613, 682 NJA 1991 s. 343..................................691 NJA 1993 s. 468..................................560 NJA 1991 s. 412..................................572 NJA 1993 s. 555..........................620, 752 NJA 1991 s. 476...........................636, 706 NJA 1993 s. 570..................................685 NJA 1991 s. 481...........................652, 672 NJA 1993 s. 724..................................736 NJA 1991 s. 574..................................691 NJA 1994 s. 3......................................727 NJA 1991 s. 597..................................660 NJA 1994 s. 10 I..........................578, 579 NJA 1991 s. 625...........653, 685, 715, 716 NJA 1994 s. 10 II.........................578, 579 NJA 1991 s. 647..................................748 NJA 1994 s. 69....................................560 NJA 1991 s. 682...........................573, 689 NJA 1994 s. 85....................................646 NJA 1991 s. 725...........641, 653, 654, 704 NJA 1994 s. 95....................................747 NJA 1991 s. 736..................................725 NJA 1994 s. 130..................562, 598, 625 NJA 1991 s. 796..................................726 NJA 1994 s. 177..................................578 NJA 1991 s. 808...........................646, 696 NJA 1994 s. 190..................................663 NJA 1992 s. 16....................................737 NJA 1994 s. 204..........................617, 628 NJA 1992 s. 58.............................707, 715 NJA 1994 s. 297..................................661 NJA 1992 s. 66.............................559, 562 NJA 1994 s. 359..................573, 574, 595 NJA 1992 s. 113..................................672 NJA 1994 s. 381..................................674 NJA 1992 s. 130...........................608, 710 NJA 1994 s. 449 I................................672 NJA 1992 s. 143..................................592 NJA 1994 s. 449 II...............................672 NJA 1992 s. 163..................................660 NJA 1994 s. 474..................................730 NJA 1992 s. 168..................................566 NJA 1994 s. 532..................606, 683, 708 NJA 1992 s. 213..................................722 NJA 1994 s. 553..................................750 NJA 1992 s. 243...........................641, 707 NJA 1994 s. 566..........................605, 606 NJA 1994 s. 712 I................................597 NJA 1997 s. 454..................................729 NJA 1994 s. 712 II..............................597 NJA 1997 s. 524..................................594 NJA 1994 s. 712 III.............................597 NJA 1997 s. 612..................................725 NJA 1994 s. 746...........................664, 690 NJA 1997 s. 629..........................645, 646 NJA 1995 s. 25....................................658 NJA 1997 s. 667..........................653, 654 NJA 1995 s. 135..................................557 NJA 1997 s. 699..................................633 NJA 1995 s. 197..................................574 NJA 1997 s. 734..................................740 NJA 1995 s. 274...........................701, 704 NJA 1997 s. 813..........................727, 728 NJA 1995 s. 356..................................729 NJA 1997 s. 832..................................671 NJA 1995 s. 437..................................570 NJA 1998 s. 3..............................618, 667 NJA 1995 s. 478..................................660 NJA 1998 s. 23....................................658 NJA 1995 s. 586..................................618 NJA 1998 s. 99............................590, 689 NJA 1995 s. 610..................................690 NJA 1998 s. 118..................................638 NJA 1995 s. 648...........................737, 738 NJA 1998 s. 252..........................742, 748 NJA 1996 s. 3......................................600 NJA 1998 s. 304..........................567, 569 NJA 1996 s. 19.....................630, 673, 675 NJA 1998 s. 343..................................606 NJA 1996 s. 68....................................678 NJA 1998 s. 364..................................609 NJA 1996 s. 104...........................699, 703 NJA 1998 s. 390..................................711 NJA 1996 s. 139..................................633 NJA 1998 s. 407..................................648 NJA 1996 s. 252...........571, 665, 702, 706 NJA 1998 s. 426..................................753 NJA 1996 s. 368...........................685, 731 NJA 1998 s. 438..................................716 NJA 1996 s. 400...........................573, 620 NJA 1998 s. 448..................................602 NJA 1996 s. 410..................................587 NJA 1998 s. 462..................................562 NJA 1996 s. 560...........................678, 750 NJA 1998 s. 520...........573, 701, 737, 738 NJA 1996 s. 564...........................699, 704 NJA 1998 s. 552..................................660 NJA 1996 s. 584...........................648, 696 NJA 1998 s. 610..................................563 NJA 1996 s. 598...................614, 649, 657 NJA 1998 s. 625..................................716 NJA 1996 s. 652..................................614 NJA 1998 s. 750..................................748 NJA 1996 s. 663..................................601 NJA 1998 s. 792..................657, 693, 696 NJA 1996 s. 700..................................700 NJA 1998 s. 852..................................675 NJA 1996 s. 727..................................610 NJA 1998 s. 873..........................629, 720 NJA 1996 s. 809..................................747 NJA 1998 s. 893..........................715, 717 NJA 1997 s. 5......................................588 NJA 1999 s. 35....................................611 NJA 1997 s. 27....................................554 NJA 1999 s. 52....................................737 NJA 1997 s. 44.....................575, 602, 644 NJA 1999 s. 71....................................691 NJA 1997 s. 58....................................662 NJA 1999 s. 188..................................754 NJA 1997 s. 65....................................708 NJA 1999 s. 197..................................699 NJA 1997 s. 86....................................623 NJA 1999 s. 232..................................749 NJA 1997 s. 93....................................564 NJA 1999 s. 304..................................600 NJA 1997 s. 97....................................740 NJA 1999 s. 408..........................594, 630 NJA 1997 s. 127 I.654, 655, 685, 705, 718 NJA 1999 s. 512..........................737, 738 NJA 1997 s. 127 II...............654, 655, 705 NJA 1999 s. 575...........558, 577, 581, 588 NJA 1997 s. 149..................................642 NJA 1999 s. 629..................................603 NJA 1997 s. 240..................................676 NJA 1999 s. 793..................558, 588, 658 NJA 1997 s. 250..................................748 NJA 2000 s. 31....................................737 NJA 1997 s. 281..................................747 NJA 2000 s. 43....................................660 NJA 1997 s. 290..................................644 NJA 2000 s. 48............................574, 739 NJA 1997 s. 307..................................612 NJA 2000 s. 97....................................676 NJA 1997 s. 347..................................637 NJA 2000 s. 137..........................737, 738 NJA 1997 s. 382..................................611 NJA 2000 s. 225..................608, 721, 727 NJA 2000 s. 262..................................753 NJA 2001 s. 711..................................575 NJA 2000 s. 285..................................740 NJA 2001 s. 721..................................663 NJA 2000 s. 380..................................571 NJA 2001 s. 750..................................616 NJA 2000 s. 462..................................595 NJA 2001 s. 878..................................700 NJA 2000 s. 538..................................620 NJA 2002 s. 3......................................661 NJA 2000 s. 569...........734, 735, 746, 747 NJA 2002 s. 11....................................728 NJA 2000 s. 629..................................638 NJA 2002 s. 41....................................664 NJA 2000 s. 667..................................677 NJA 2002 s. 142..................561, 662, 747 NJA 2000 s. 685..................................613 NJA 2002 s. 213..........................681, 699 NJA 2000 s. 712...........................629, 720 NJA 2002 s. 244..........................567, 568 NJA 2000 s. 747 I................................555 NJA 2002 s. 322..................................564 NJA 2000 s. 747 II..............................555 NJA 2002 s. 358..................................744 NJA 2000 s. 773..................................620 NJA 2002 s. 378..........................607, 670 NJA 2001 s. 3......................................629 NJA 2002 s. 412..................................727 NJA 2001 s. 10.............................634, 635 NJA 2002 s. 467..................................560 NJA 2001 s. 46....................................633 NJA 2002 s. 477..................641, 697, 714 NJA 2001 s. 75.....................562, 563, 632 NJA 2002 s. 561..................................634 NJA 2001 s. 93....................................741 NJA 2002 s. 577..................................667 NJA 2001 s. 138..................................632 NJA 2002 s. 630..........................653, 686 NJA 2001 s. 155...........................630, 643 NJA 2002 s. 644..................................719 NJA 2001 s. 177..................................639 NJA 2003 s. 128..................................607 NJA 2001 s. 191 I................................567 NJA 2003 s. 194..................................582 NJA 2001 s. 191 II..............................567 NJA 2003 s. 302..........................734, 741 NJA 2001 s. 234..................................711 NJA 2003 s. 540..................................752 NJA 2001 s. 241 I.........................670, 690 NJA 2004 s. 3......................................748 NJA 2001 s. 241 II..............................670 NJA 2004 s. 167..................................751 NJA 2001 s. 255...........................605, 615 NJA 2004 s. 288..................................751 NJA 2001 s. 269..................................708 NJA 2004 s. 397..................................561 NJA 2001 s. 292..................................663 NJA 2004 s. 499...........631, 735, 744, 746 NJA 2001 s. 309..................................680 NJA 2004 s. 534..........................575, 622 NJA 2001 s. 329...........................734, 745 NJA 2004 s. 682..................564, 588, 657 NJA 2001 s. 353..................................578 NJA 2004 s. 804..........................590, 599 NJA 2001 s. 486..................................749 NJA 2004 s. 862..................................554 NJA 2001 s. 511...........................565, 601 T 2362-01............................................640 NJA 2001 s. 657..................................685 T 4233-01....574, 577, 610, 664, 683, 724, NJA 2001 s. 695 I................................741 751 NJA 2001 s. 695 II..............................741