{"id":631,"date":"2019-07-20T12:44:36","date_gmt":"2019-07-20T12:44:36","guid":{"rendered":"https:\/\/selectbanks.se\/?p=631"},"modified":"2019-07-20T12:44:36","modified_gmt":"2019-07-20T12:44:36","slug":"sahar-samlar-du-dina-lan","status":"publish","type":"post","link":"https:\/\/navibanker.com\/se\/sahar-samlar-du-dina-lan\/","title":{"rendered":"S\u00e5h\u00e4r samlar du dina l\u00e5n"},"content":{"rendered":"

M\u00e5nga personer tar l\u00e5n. Det kan handla om l\u00e5n f\u00f6r att betala hus, bilar eller f\u00f6r att helt enkelt klara av en tuff m\u00e5nad rent ekonomiskt. Det \u00e4r ocks\u00e5 vanligt att dessa l\u00e5n \u00e4r fr\u00e5n olika kreditbolag som har olika villkor och r\u00e4ntor f\u00f6r dessa. Detta betyder dessutom mycket pappersarbete d\u00e4r olika fakturor med olika betalningsdatum m\u00e5ste h\u00e5llas reda p\u00e5.<\/p>\n

Detta \u00e4r en process som kan f\u00f6renklas genom att ta ett samlingsl\u00e5n. Denna artikel kommer att f\u00f6rklara vad ett samlingsl\u00e5n \u00e4r och varf\u00f6r det \u00e4r f\u00f6rdelaktigt…<\/p>\n

Vad inneb\u00e4r det att samla l\u00e5n?<\/h2>\n

Detta betyder att du du tar ett nytt l\u00e5n som t\u00e4cker kostnaderna av samtliga av dina utspridda sm\u00e5l\u00e5n. Du anv\u00e4nder d\u00e4refter dessa pengar till att betala tillbaka alla tidigare l\u00e5n f\u00f6r att kunna fokusera p\u00e5 endast ditt nya samlingsl\u00e5n<\/a>. P\u00e5 detta s\u00e4tt blir skulden l\u00e4ttare att hantera, den blir billigare och dessutom mindre tidskr\u00e4vande.<\/p>\n

Var hittar jag samlingsl\u00e5n?<\/h2>\n

Det enklaste s\u00e4ttet att hitta ett samlingsl\u00e5n \u00e4r att anv\u00e4nda sig av en j\u00e4mf\u00f6relsetj\u00e4nst. Dessa bolag j\u00e4mf\u00f6r kreditf\u00f6retag mellan varandra f\u00f6r att hitta det b\u00e4sta alternativet f\u00f6r just dig. Du beh\u00f6ver bara skicka in en ans\u00f6kan om l\u00e5n och du f\u00e5r f\u00f6rslag av samtliga l\u00e5ngivare som l\u00e5nf\u00f6rmedlaren samarbetar med. Det \u00e4r ett smidigt och snabbt s\u00e4tt att ta reda p\u00e5 de b\u00e4sta r\u00e4ntorna och \u00f6vriga villkor.<\/p>\n

Vilka \u00e4r f\u00f6rdelarna med att samla l\u00e5n?<\/h2>\n

N\u00e4r du tar olika sorters smsl\u00e5n<\/a> fr\u00e5n olika sorters f\u00f6retag inneb\u00e4r det att dina l\u00e5n har olika r\u00e4ntesatser. Med ett samlingsl\u00e5n har du ist\u00e4llet bara en r\u00e4nta. D\u00e5 st\u00f6rre l\u00e5n tenderar att ha mycket l\u00e4gre r\u00e4ntor \u00e4n sm\u00e5l\u00e5n kommer du att spara pengar p\u00e5 detta s\u00e4tt.<\/p>\n

Har du m\u00e5nga skulder samtidigt p\u00e5verkar detta ditt kreditbetyg negativt. Din kreditv\u00e4rdighet p\u00e5verkar exempelvis dina chanser att ans\u00f6ka om nya l\u00e5n, samt vid hyra eller k\u00f6p<\/a> av bostad. N\u00e4r du ist\u00e4llet samlar dina l\u00e5n kommer alla dessa utspridda l\u00e5n att sk\u00e4ras ned till endast ett. Detta leder till ett markant b\u00e4ttre kreditbetyg.<\/p>\n

Via Upplysningscentralens webbplats kan du se ditt kreditbetyg som best\u00e4ms i procentform. En l\u00e4gre procentsats ger ett b\u00e4ttre betyg. Ett tumregel \u00e4r att ha under 12 procent f\u00f6r att f\u00e5 l\u00e5n beviljade. Har du ist\u00e4llet under 4,5 procent i kreditbetyg kommer de flesta l\u00e5ngivare att ge dig f\u00f6rdelaktiga r\u00e4ntor.<\/p>\n

Varje l\u00e5n har flera administrationskostnader ut\u00f6ver r\u00e4ntan. Uppl\u00e4ggningsavgiften kan vara l\u00e4tt att gl\u00f6mma bort, men den brukar ligga p\u00e5 cirka 1000 kronor. I normala fall \u00e4r denna obligatorisk, men l\u00e5ngivare har i enstaka fall kampanjer d\u00e4r de f\u00f6rbiser denna utgift. Den andra kostnaden \u00e4r den som tillkommer med alla pappersavier. Varje faktura kostar pengar f\u00f6r l\u00e5ngivaren att skicka och f\u00f6retagen v\u00e4ljer sj\u00e4lva hur stora dessa avgifter \u00e4r. Om du f\u00e5r st\u00e4ndiga utskick hem till dig v\u00e4xer kostnaderna snabbt, vilket \u00e4r on\u00f6diga utgifter. P\u00e5minnelseavgifter och f\u00f6rseningsavgifter tillkommer dessutom om inte fakturorna betalas i tid.<\/p>\n

N\u00e4r du f\u00e5r m\u00e5nga fakturor hemskickade kan det vara sv\u00e5rt att h\u00e5lla reda p\u00e5 alla, men n\u00e4r du samlar l\u00e5n har du ist\u00e4llet bara en faktura varje m\u00e5nad och du minskar risken att slippa betala. F\u00f6rfallodatumen p\u00e5 fakturor tenderar att vara olika, vilket betyder att de m\u00e5ste betalas vid olika tidpunkter i m\u00e5naden, men detta slipper du ocks\u00e5 med ett samlingsl\u00e5n.<\/p>\n

Slutligen har sm\u00e5l\u00e5n oftast kortare amorteringstid \u00e4n st\u00f6rre l\u00e5n. Om du har ett dussintal sm\u00e5l\u00e5n kan totalkostnaden i slut\u00e4ndan vara h\u00f6g, men du f\u00f6rv\u00e4ntas betala tillbaka varje l\u00e5n med kort varsel. Med ett enda stort samlingsl\u00e5n f\u00e5r du l\u00e4ngre tid p\u00e5 dig om du beh\u00f6ver det. Sammantaget leder samlingsl\u00e5n till ett b\u00e4ttre v\u00e4lm\u00e5ende, d\u00e5 det \u00e4r ett smartare s\u00e4tt att hantera l\u00e5n p\u00e5.<\/p>\n","protected":false},"excerpt":{"rendered":"

M\u00e5nga personer tar l\u00e5n. Det kan handla om l\u00e5n f\u00f6r att betala hus, bilar eller f\u00f6r att helt enkelt klara av en tuff m\u00e5nad rent ekonomiskt. Det \u00e4r ocks\u00e5 vanligt att dessa l\u00e5n \u00e4r fr\u00e5n olika kreditbolag som har olika villkor och r\u00e4ntor f\u00f6r dessa. Detta betyder dessutom mycket pappersarbete d\u00e4r olika fakturor med olika … L\u00e4s mer<\/a><\/p>\n","protected":false},"author":1,"featured_media":632,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[2],"tags":[],"acf":[],"yoast_head":"\nS\u00e5h\u00e4r samlar du dina l\u00e5n - Navibanker - Sverige<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/navibanker.com\/se\/sahar-samlar-du-dina-lan\/\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"S\u00e5h\u00e4r samlar du dina l\u00e5n - Navibanker - Sverige\" \/>\n<meta property=\"og:description\" content=\"M\u00e5nga personer tar l\u00e5n. Det kan handla om l\u00e5n f\u00f6r att betala hus, bilar eller f\u00f6r att helt enkelt klara av en tuff m\u00e5nad rent ekonomiskt. Det \u00e4r ocks\u00e5 vanligt att dessa l\u00e5n \u00e4r fr\u00e5n olika kreditbolag som har olika villkor och r\u00e4ntor f\u00f6r dessa. Detta betyder dessutom mycket pappersarbete d\u00e4r olika fakturor med olika ... 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