{"id":945,"date":"2021-01-07T11:40:00","date_gmt":"2021-01-07T10:40:00","guid":{"rendered":"http:\/\/www.Financer.com\/?page_id=945"},"modified":"2024-09-12T14:26:43","modified_gmt":"2024-09-12T12:26:43","slug":"tips-innan-du-lanar","status":"publish","type":"how_to","link":"https:\/\/financer.se\/lana-pengar\/artiklar\/tips-innan-du-lanar\/","title":{"rendered":"Checklista f\u00f6r att ta ett l\u00e5n &#8211; 17 tips innan du l\u00e5nar"},"content":{"rendered":"\n<p>Financer.com listar 17 tips att t\u00e4nka p\u00e5 innan du l\u00e5nar pengar. Tips som \u00e4r perfekta om du \u00e4r os\u00e4ker p\u00e5 om du borde ta ett l\u00e5n, inte vet vilket l\u00e5n som passar b\u00e4st eller hur du ans\u00f6ker om sj\u00e4lva l\u00e5net.<\/p>\n\n\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.se\/lana-pengar\/\" class=\"button  is-rounded is-primary is-large is-arrow\" target=\"_self\"  >J\u00e4mf\u00f6r olika l\u00e5n h\u00e4r<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Har_du_rd\">Har du r\u00e5d?<\/h2>\n\n\n\n<p>Till att b\u00f6rja med b\u00f6r du fundera noggrant om du r\u00e5d att ta ett l\u00e5n. S\u00e4tt dig ner i lugn och ro och <a href=\"https:\/\/financer.se\/kalkylator\/\" data-type=\"page\" data-id=\"12389\">r\u00e4kna p\u00e5 kostnaderna<\/a>.\u00a0<\/p>\n\n\n\n<ul>\n<li>Hur mycket kan du l\u00e4gga undan per m\u00e5nad?\u00a0<\/li>\n\n\n\n<li>Vilka \u00e4r dina inkomster och hur h\u00f6ga \u00e4r dina utgifter?\u00a0<\/li>\n\n\n\n<li>Har jag tillr\u00e4ckliga ekonomiska marginaler?<\/li>\n<\/ul>\n\n\n\n<p>Skriv ner svar p\u00e5 dessa fr\u00e5gor f\u00f6r dig sj\u00e4lv. G\u00f6r inga gl\u00e4djekalkyler utan var realistisk. Har du mycket sm\u00e5 marginaler b\u00f6r du \u00f6verv\u00e4ga att ta ett mindre l\u00e5n eller inget l\u00e5n alls.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Klarar_du_av_att_leva_snlare\">Klarar du av att leva sn\u00e5lare?\u00a0<\/h2>\n\n\n\n<p>\u00c4r du OK med f\u00e4rre eller inga utekv\u00e4llar, matl\u00e5da till jobbet och inga fler k\u00f6p av on\u00f6diga prylar osv?<\/p>\n\n\n\n<p>Ta inte ett l\u00e5n om du inte klarar av det. Har du d\u00e4remot ekonomiska marginaler och inga problem med vissa uppoffringar kan ett l\u00e5n vara en bra id\u00e9 och l\u00f6sningen p\u00e5 ett tillf\u00e4lligt ekonomiskt problem.<\/p>\n\n\n\n\t\t<div id=\"genericloan_0_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg1\"><h3>J\u00e4mf\u00f6r l\u00e5n fr\u00e5n 77 l\u00e5nef\u00f6retag<\/h3><p>Hitta b\u00e4sta l\u00e5n med l\u00e4gst r\u00e4nta. Med bara ett klick.<\/p><div class=\"step amount\">    <div class=\"slider_cont step__value\">\n        <span class=\"fl_l_m_15 amount_display\"><\/span>\n    <\/div>\n    <div class=\"step__slider\">\n        <input type=\"range\" data-default-value=\"10000\" data-name=\"param_amount\" \/>\n    <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financer.se\/resultat?query=1&non_affiliate=true&param_amount=10000&param_period=Array\" data-slider-url=\"https:\/\/financer.se\/resultat?query=1&non_affiliate=true&param_amount=10000&param_period=Array\" data-required=\"resultat?query=1non_affiliate=true&param_amount=10000&param_period=Array&\" class=\"get_results compare button is-primary is-medium is-rounded\">J\u00e4mf\u00f6r nu<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"Kontrollera_lnets_villkor\">Kontrollera l\u00e5nets villkor\u00a0<\/h2>\n\n\n\n<p>Lusl\u00e4s villkor och <a href=\"https:\/\/financer.se\/wiki\/avgifter-vid-forsenad-betalning\/\" data-type=\"URL\" data-id=\"https:\/\/financer.se\/wiki\/avgifter-vid-forsenad-betalning\/\">avgifter<\/a> innan du l\u00e5nar &#8211; b\u00e5de en och tv\u00e5 g\u00e5ngar. Kolla bland annat efter:<\/p>\n\n\n\n<ul>\n<li>Dolda avgifter<\/li>\n\n\n\n<li>R\u00e4ntesatser<\/li>\n\n\n\n<li>Uppl\u00e4ggningsavgifter<\/li>\n\n\n\n<li>F\u00f6rseningsavgifter<\/li>\n<\/ul>\n\n\n\n<p>Var inte r\u00e4dd f\u00f6r att fr\u00e5ga l\u00e5ngivaren en g\u00e5ng extra om villkoren. Du b\u00f6r hellre fr\u00e5ga en g\u00e5ng f\u00f6r mycket \u00e4n en g\u00e5ng f\u00f6r lite.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Jmfr_nr_du_ska_ta_ln\">J\u00e4mf\u00f6r n\u00e4r du ska ta l\u00e5n\u00a0<\/h2>\n\n\n\n<p>Alla l\u00e5n har olika villkor s\u00e5som avbetalningstid, r\u00e4nta och avgifter etc. N\u00f6j dig inte med f\u00f6rsta b\u00e4sta.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Ett_tips\">Ett extra tips<\/h3><p>Kan du betala tillbaka smsl\u00e5net inom 30 dagar och beh\u00f6ver du max 6000 kr? D\u00e5 kan l\u00e5net ibland faktiskt vara helt gratis.<\/p><\/div>\n\n\n<p>H\u00e4r p\u00e5 Financer.com kan du <a href=\"https:\/\/financer.se\/lana-pengar\/privatlan\/\" target=\"_blank\" rel=\"noreferrer noopener\">j\u00e4mf\u00f6ra olika l\u00e5ngivare<\/a>. P\u00e5 v\u00e5r startsida kan du dra i reglaget f\u00f6r att \u00e4ndra l\u00f6ptid och l\u00e5nebelopp och se vilket l\u00e5n som \u00e4r b\u00e4st f\u00f6r just dig.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Frbttra_din_kreditvrdighet\">F\u00f6rb\u00e4ttra din kreditv\u00e4rdighet<\/h2>\n\n\n\n<p>Genom att din kreditv\u00e4rdighet \u00f6kar du chanserna att bli beviljad ett l\u00e5n samtidigt som du kan f\u00e5 en l\u00e4gre r\u00e4nta.<\/p>\n\n\n\n<p><a href=\"https:\/\/financer.se\/lana-pengar\/jamfor-banker-langivare\/\" data-type=\"page\" data-id=\"1914\">Banker och l\u00e5ngivare<\/a> g\u00f6r en bed\u00f6mning hur troligt det \u00e4r att du kan betala tillbaka l\u00e5net i tid. Ju stabilare ekonomi du har desto tryggare k\u00e4nner sig banken i att bevilja l\u00e5net (och ger ibland b\u00e4ttre villkor).<\/p>\n\n\n\n<p>S\u00e5 f\u00e5r du en f\u00f6rb\u00e4ttrad kreditv\u00e4rdighet:<\/p>\n\n\n\n<ul>\n<li>G\u00f6r en kreditupplysning p\u00e5 dig sj\u00e4lv<\/li>\n\n\n\n<li>Betala alltid fakturor i tid<\/li>\n\n\n\n<li>Samla ihop eventuella befintliga l\u00e5n<\/li>\n\n\n\n<li>Anv\u00e4nd endast ett kreditkort (s\u00e4g upp kredit som ej anv\u00e4nds)<\/li>\n<\/ul>\n\n\n\n                <div class=\"fn_block block_fn_msg_box cost search-hero--bg1\">\n\t\t\t\t<h3>S\u00e5 sparar du <span class=\"compare-amount\">1&nbsp;940,00 kr <\/span> p\u00e5 ditt l\u00e5n<\/h3>\n\t\t\t\t<p>Prisskillnaden f\u00f6r ett 10&nbsp;000,00 kr l\u00e5n under 90 dagar \u00e4r 1&nbsp;940,00 kr.<\/p>\n\t\t\t\t<p class=\"has-text-left\"><a href=\"https:\/\/financer.se\/resultat\/?query=1&filter_non_affiliate=1&param_amount=10000&param_period=90\" class=\"button is-normal is-primary is-rounded\">Se hur du kan spara p\u00e5 ditt l\u00e5n<\/a><\/p>\n                <\/div><h2 class=\"wp-block-heading\" id=\"Ta_ln_med_rtt_lptid\">Ta l\u00e5n med r\u00e4tt l\u00f6ptid<\/h2>\n\n\n\n<p>L\u00e5nets l\u00f6ptid, allts\u00e5 hur snabbt l\u00e5net ska \u00e5terbetalas, \u00e4r mycket viktigt.<\/p>\n\n\n\n<p>Totalkostnaden blir l\u00e4gre desto snabbare l\u00e5net \u00e5terbetalas. Men klarar du inte av att betala i tid tillkommer h\u00f6ga straffavgifter. Som n\u00e4mnt tidigare &#8211; g\u00f6r en <strong>noggrann och realistisk planering<\/strong>.<\/p>\n\n\n\n<ul>\n<li>Ett l\u00e5n med kort l\u00f6ptid \u00e4r b\u00e4ttre, men endast om du klarar av att betala tillbaka i tid<\/li>\n\n\n\n<li>Ett l\u00e5n med kort l\u00f6ptid inneb\u00e4r dock att du beh\u00f6ver betala tillbaka mer varje m\u00e5nad\u00a0<\/li>\n\n\n\n<li>Totalkostnaden blir l\u00e4gre f\u00f6r ett l\u00e5n med en kort l\u00f6ptid<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Gr_det_att_frlnga_lnet\">G\u00e5r det att f\u00f6rl\u00e4nga l\u00e5net?\u00a0<\/h2>\n\n\n\n<p>Om du inte \u00e4r helt s\u00e4ker p\u00e5 att du kan betala tillbaka i tid kan det vara sk\u00f6nt att kunna f\u00f6rl\u00e4nga l\u00e5net. Visserligen kostar det extra men kostnaden \u00e4r betydligt l\u00e4gre \u00e4n straffavgifter som annars uppst\u00e5r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Frlng_aldrig_ett_gratis_smsln\">F\u00f6rl\u00e4ng aldrig ett gratis smsl\u00e5n\u00a0<\/h2>\n\n\n\n<p>H\u00e5ll dig borta fr\u00e5n att f\u00f6rl\u00e4nga <a href=\"https:\/\/financer.se\/lana-pengar\/gratis\/\" data-type=\"page\" data-id=\"1829\">gratis smsl\u00e5n<\/a>. Inte bara beh\u00f6ver du betala r\u00e4nta f\u00f6r den extra tiden, utan oftast f\u00f6r hela perioden (allts\u00e5 den tid som annars var gratis).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Behver_du_ett_lneskydd\">Beh\u00f6ver du ett l\u00e5neskydd?\u00a0<\/h2>\n\n\n\n<p>Det kan vara en bra id\u00e9 att teckna ett <a href=\"https:\/\/financer.se\/wiki\/laneskydd\/\" data-type=\"wiki\" data-id=\"4556\">l\u00e5neskydd<\/a> &#8211; s\u00e4rskilt om du tar ett st\u00f6rre l\u00e5n med en l\u00e5ng l\u00f6ptid.\u00a0<\/p>\n\n\n\n<p>Ett l\u00e5neskydd g\u00f6r att \u00e5terbetalningen av l\u00e5net forts\u00e4tter \u00e4ven om du\u00a0skulle r\u00e5ka ut f\u00f6r n\u00e5got som tar bort\/minskar din inkomst, som exempelvis arbetsl\u00f6shet eller l\u00e5ngtidssjukskrivning.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Spara_pengar_genom_att_ta_ett_ln\">Spara pengar genom att ta ett l\u00e5n<\/h2>\n\n\n\n<p>Det kan l\u00e5ta konstigt &#8211; men ett bra tips \u00e4r att du faktiskt ibland kan spara pengar genom att ta l\u00e5n.\u00a0<\/p>\n\n\n\n<p>Har den d\u00e4r resan som du l\u00e4nge t\u00e4nkt boka ett nedsatt pris just idag? Det h\u00e4nder ibland att saker s\u00e4ljs p\u00e5 rea precis innan l\u00f6ning f\u00f6r att sedan \u00e5terg\u00e5 till ordinarie pris.\u00a0<\/p>\n\n\n\n<p>Om du tar ett l\u00e5n p\u00e5 just det beloppet kan du faktiskt spara pengar &#8211; f\u00f6rutsatt att du betalar tillbaka i tid. Du beh\u00f6ver ju bara \u00e5terbetala den exakta summan n\u00e4r du v\u00e4l f\u00e5tt in l\u00f6nen p\u00e5 kontot.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Varierar_dina_inkomster\">Varierar dina inkomster?<\/h2>\n\n\n\n<p>Var f\u00f6rsiktigare att ta l\u00e5n om dina inkomster varierar. Detta \u00e4r vanligt f\u00f6r personer som jobbar p\u00e5 timme eller har en provisionsbaserad l\u00f6n.\u00a0<\/p>\n\n\n\n<p>R\u00e4kna noggrant p\u00e5 dina inkomster och s\u00e4kerst\u00e4ll att du kan betala tillbaka r\u00e4tt summa varje m\u00e5nad.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Undvik_att_ta_ln_om_du_riskerar_att_bli_arbetsls\">Undvik att ta l\u00e5n om du riskerar att bli arbetsl\u00f6s\u00a0<\/h2>\n\n\n\n<p>Ta inte ett l\u00e5n om det finns en risk att du f\u00f6rlorar jobbet inom n\u00e4rtid.<\/p>\n\n\n\n<p>Om du d\u00e4remot har en upps\u00e4gningstid p\u00e5 jobbet som motsvarar avbetalningstiden har du en trygghet som g\u00f6r det mindre riskabelt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Frestll_dig_vrsta_tnkbara_scenario\">F\u00f6rest\u00e4ll dig v\u00e4rsta t\u00e4nkbara scenario<\/h2>\n\n\n\n<p>Hur klarar du dig om det allra v\u00e4rsta skulle intr\u00e4ffa?\u00a0<\/p>\n\n\n\n<ul>\n<li>Du beh\u00f6ver sjukskriva dig och dina inkomster minskar<\/li>\n\n\n\n<li>N\u00e5got i hemmet g\u00e5r s\u00f6nder och du beh\u00f6ver pengar f\u00f6r reparation<\/li>\n\n\n\n<li>Parkeringsbot, trasig bil eller liknande som kostar<\/li>\n<\/ul>\n\n\n\n<p>Hur betalar du d\u00e5 tillbaka l\u00e5net utan att drabbas av p\u00e5minnelseavgifter, straffavgifter eller annat?\u00a0<\/p>\n\n\n\n<p>Detta kan leda till att l\u00e5net blir mycket dyrare \u00e4n t\u00e4nkt och kan i v\u00e4rsta fall leda till att \u00e4rendet hamnar hos inkasso &#8211; vilket kan leda till en anm\u00e4rkning.\u00a0<\/p>\n\n\n\n<p>\u00c5terigen &#8211; planera noggrant innan du l\u00e5nar och ta h\u00f6jd f\u00f6r ov\u00e4ntade situationer. S\u00e4rskilt om du tar ett st\u00f6rre l\u00e5n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Ta_inte_ln_fr_att_bekosta_ett_annat_ln\">Ta inte l\u00e5n f\u00f6r att bekosta ett annat l\u00e5n\u00a0<\/h2>\n\n\n\n<p>Att ta ett l\u00e5n f\u00f6r att l\u00f6sa ut ett annat l\u00e5n \u00e4r b\u00e5de dumt och farligt.\u00a0Det leder oftast till en ond cirkel som \u00e4r sv\u00e5r att bryta.<\/p>\n\n\n\n<p>M\u00f6jligtvis kan det vara okej att ta ett gratis <a href=\"https:\/\/financer.se\/lana-pengar\/smslan\/\" target=\"_blank\" rel=\"noreferrer noopener\">smsl\u00e5n<\/a> f\u00f6r att bekosta en mindre skuld men endast om du med 100 % s\u00e4kerhet kan betala tillbaka inom en m\u00e5nad f\u00f6r att undvika h\u00f6ga avgifter.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Lna_inte_till_en_viss_livsstil\">L\u00e5na inte till en viss livsstil<\/h2>\n\n\n\n<p>Att leva \u00f6ver sina tillg\u00e5ngar f\u00f6r en livsstil som du inte har r\u00e5d med \u00e4r alltid fel. I slut\u00e4ndan leder det vanligen till att du hamnar i en sv\u00e5r situation eller f\u00e5r leva extremt sn\u00e5lt.\u00a0<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><p>H\u00e4nder det ibland att du ser n\u00e5got som du bara m\u00e5ste ha? Det kan vara lockade att ta ett l\u00e5n f\u00f6r att finansiera k\u00f6pet.\u00a0G\u00f6r inte det.<\/p><\/div>\n\n\n<p>Impulsk\u00f6p \u00e4r oftast en d\u00e5lig ide som du i slut\u00e4ndan \u00e5ngrar, s\u00e4rskilt\u00a0n\u00e4r du uppt\u00e4cker att du m\u00e5ste betala tillbaka.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Undvik_spel_fr_lnade_pengar\">Undvik spel f\u00f6r l\u00e5nade pengar\u00a0<\/h2>\n\n\n\n<p>Undvik spel p\u00e5 onlinecasinon, poker eller annat. Inte bara kan det skulds\u00e4tta dig \u00e4nnu mer &#8211; det kan ocks\u00e5 leda till ett spelmissbruk.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Hitta_ett_ln_fr_dina_frutsttningar\">Hitta ett l\u00e5n f\u00f6r dina f\u00f6ruts\u00e4ttningar\u00a0<\/h2>\n\n\n\n<p>Eftersom alla l\u00e5n \u00e4r olika passar de olika personer i olika situationer. Specifika f\u00f6ruts\u00e4ttningar kan vara:<\/p>\n\n\n\n<ul>\n<li>Om du har betalningsanm\u00e4rkningar\u00a0<\/li>\n\n\n\n<li>Om l\u00e5net har vissa krav g\u00e4llande inkomst\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Ibland kan du beh\u00f6va v\u00e4nda dig till en l\u00e5ngivare som g\u00f6r en individuell inkomstpr\u00f6vning. Dessa typer av l\u00e5n hittar du s\u00e5klart ocks\u00e5 h\u00e4r p\u00e5 Financer.com.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.se\/lana-pengar\/\" class=\"button  is-rounded is-primary is-medium is-fullwidth\" target=\"_self\"  >J\u00e4mf\u00f6r l\u00e5n p\u00e5 Financer.com<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Quiz_testa_dina_kunskaper\">Quiz: testa dina kunskaper<\/h2>\n\n\n<section class=\"fn_block quiz-section\">\n    <div class=\"container\">\n        <div class=\"quiz-section__wrapp page-content\">\n            <div class=\"container\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"quiz_header\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"quiz_header_title\">\n\t\t\t\t\t\t\t\t\t\t\t\t<h3>Quiz: Tips innan du l\u00e5nar<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"quiz_header_description\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"quiz-question__start-button\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"has-text-centered\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<button href=\"https:\/\/dimi.creatinmagic.com\/us\/company\/\" id=\"start_btn\" class=\"button is-rounded is-primary quiz-start-button\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tStarta quiz\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div><div class=\"fn_quiz\" data-signin-start=\"\" data-signin-result=\"\" data-id=\"68806\" quiz-type=\"single\" data-js-quiz-block style=\"display: none\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"quiz_content\"><div class=\"quiz-controll-buttons\">\n\t\t\t\t\t\t\t\t\t\t<button class=\"button is-rounded is-primary\" id=\"prev_btn\" disabled>F\u00f6reg\u00e5ende<\/button>\n\t\t\t\t\t\t\t\t\t\t<div class=\"quiz-controll-buttons-counter\">Fr\u00e5ga <span id=\"quiz_counter\">1\/5<\/span><\/div>\n\t\t\t\t\t\t\t\t\t\t<button class=\"button is-rounded is-primary\" id=\"next_btn\" disabled>N\u00e4sta<\/button>\n\t\t\t\t\t\t\t\t\t\t<button class=\"button is-rounded is-primary\" id=\"end_quiz\" disabled>Resultat<\/button>\n\t\t\t\t\t\t\t\t\t<\/div><div class=\"quiz-question__row\" id=\"quiz_question_0\"><div class=\"quiz-question__text\">Vad kan du g\u00f6ra f\u00f6r att f\u00f6rb\u00e4ttra din kreditv\u00e4rdighet?<\/div><div id=\"answer0\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio0\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_0[]\" value=\"0\" \/><p>Ring Kronofogden innan du l\u00e5nar och f\u00f6rs\u00f6k \u00f6vertala dem att f\u00f6rb\u00e4ttra din kreditv\u00e4rdighet<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer1\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio1\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_0[]\" value=\"0\" \/><p>Samla inte ihop dina l\u00e5n eftersom det \u00e4r ett tecken p\u00e5 att du har d\u00e5lig kreditv\u00e4rdighet <\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer2\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio2\" class=\"radio\" data-is-true=\"true\" type=\"radio\" name=\"quiz-answers_0[]\" value=\"0\" \/><p>Betala alltid fakturor i tid<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><\/div><div class=\"quiz-question__row\" id=\"quiz_question_1\"><div class=\"quiz-question__text\">Vad \u00e4r ett l\u00e5neskydd?<\/div><div id=\"answer3\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio3\" class=\"radio\" data-is-true=\"true\" type=\"radio\" name=\"quiz-answers_1[]\" value=\"0\" \/><p>Ett skydd vid vid inkomstbortfall <\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer4\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio4\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_1[]\" value=\"0\" \/><p>Ett skydd vid l\u00e5gkonjunktur<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer5\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio5\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_1[]\" value=\"0\" \/><p>Ett skydd mot inflation<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><\/div><div class=\"quiz-question__row\" id=\"quiz_question_2\"><div class=\"quiz-question__text\">Vad \u00e4r en kreditupplysning?<\/div><div id=\"answer6\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio6\" class=\"radio\" data-is-true=\"true\" type=\"radio\" name=\"quiz-answers_2[]\" value=\"0\" \/><p>En bed\u00f6mning av din kreditv\u00e4rdighet<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer7\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio7\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_2[]\" value=\"0\" \/><p>En bed\u00f6mning av din inkomst<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer8\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio8\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_2[]\" value=\"0\" \/><p>En bed\u00f6mning av dina tillg\u00e5ngar<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><\/div><div class=\"quiz-question__row\" id=\"quiz_question_3\"><div class=\"quiz-question__text\">Vad \u00e4r en betalningsanm\u00e4rkning?<\/div><div id=\"answer9\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio9\" class=\"radio\" data-is-true=\"true\" type=\"radio\" name=\"quiz-answers_3[]\" value=\"0\" \/><p>En anm\u00e4rkning vid f\u00f6rsenad betalning<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer10\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio10\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_3[]\" value=\"0\" \/><p>Ett meddelade om att Kronofogden tagit \u00f6ver ditt \u00e4rende<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer11\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio11\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_3[]\" value=\"0\" \/><p>En anm\u00e4rkning f\u00f6r att du betalat in fel summa p\u00e5 l\u00e5net har betalat in hela summan<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><\/div><div class=\"quiz-question__row\" id=\"quiz_question_4\"><div class=\"quiz-question__text\">Vad st\u00e4mmer g\u00e4llande l\u00f6ptid p\u00e5 ett l\u00e5n?<\/div><div id=\"answer12\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio12\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_4[]\" value=\"0\" \/><p>Kostnaden f\u00e5r l\u00e5net blir densamma oavsett l\u00f6ptid<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer13\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio13\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_4[]\" value=\"0\" \/><p>Med en l\u00e4ngre l\u00f6ptid l\u00f6per du st\u00f6rre risk att hamna i Kronofogdens register<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer14\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio14\" class=\"radio\" data-is-true=\"true\" type=\"radio\" name=\"quiz-answers_4[]\" value=\"0\" \/><p>Totalkostnaden blir l\u00e4gre ju kortare l\u00f6ptid l\u00e5net har<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><\/div><\/div><div class=\"quiz-results has-text-centered is-hidden\"><div class=\"quiz-result\">Du svarade r\u00e4tt p\u00e5 <span data-js-correct-answer><\/span> av <span data-js-all-answer>5<\/span> fr\u00e5gor!<span class=\"quiz-result-text\"><\/span><\/div><button class=\"button is-rounded is-primary is-hidden\" id=\"reset_btn\">G\u00f6r quiz igen<\/button><\/div><\/div><\/div>        <\/div>\n    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