{"id":70862,"date":"2023-09-06T13:13:43","date_gmt":"2023-09-06T11:13:43","guid":{"rendered":"https:\/\/financer.se\/?page_id=70862"},"modified":"2024-09-16T14:19:29","modified_gmt":"2024-09-16T12:19:29","slug":"lan-utan-upplaggningsavgift","status":"publish","type":"page","link":"https:\/\/financer.se\/lana-pengar\/lan-utan-upplaggningsavgift\/","title":{"rendered":"L\u00e5n utan uppl\u00e4ggningsavgift"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Jmfr_ln_utan_upplggningsavgift\">J\u00e4mf\u00f6r l\u00e5n utan uppl\u00e4ggningsavgift<\/h2>\n\n\n\n<p>Vill du hitta b\u00e4sta l\u00e5n utan uppl\u00e4ggningsavgift? D\u00e5 har du kommit till r\u00e4tt plats.<\/p>\n\n\n\n<p><strong>H\u00e4r j\u00e4mf\u00f6r vi alla l\u00e5ngivare som inte har n\u00e5gon uppl\u00e4ggningsavgift, b\u00e5de n\u00e4r det kommer till snabbl\u00e5n och privatl\u00e5n.<\/strong><\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"I_denna_text_fr_du_svar_p_frgor_som\">I denna text f\u00e5r du svar p\u00e5 fr\u00e5gor som:<\/h3><ul>\n<li>Hur hittar jag sms l\u00e5n utan uppl\u00e4ggningsavgift?<\/li>\n<li>Hur hittar jag ett privatl\u00e5n utan startavgift?<\/li>\n<li>Vad \u00e4r f\u00f6rdelarna och nackdelarna med l\u00e5n utan startavgift?<\/li>\n<li>Vilka \u00e4r de mest popul\u00e4ra l\u00e5nen utan startavgift?<\/li>\n<li>Hur ans\u00f6ker jag om ett l\u00e5n utan uppl\u00e4ggningsavgift?<\/li>\n<\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"S_gr_du_fr_att_ta_ett_ln_som_inte_har_en_upplggningsavgift\">S\u00e5 g\u00f6r du f\u00f6r att ta ett l\u00e5n som inte har en uppl\u00e4ggningsavgift<\/h2>\n\n\n<div class=\"single-article__steps\">        <style>\n            .single-article__steps-items .single-article__steps-content {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n                width: calc(100% - 5px);\n            }\n            .single-article__steps-items .single-article__steps-counter {\n                padding: 5px 20px;\n                border-radius: 3px;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n\/*            .single-article__steps-items::before {\n                content: \"\";\n                position: absolute;\n                top: 20px;\n                left: 0;\n                height: calc(100% + 40px);\n                border-left: 2px dashed #e0e0e1;\n            }*\/\n            .single-article__conclusion-tag {\n                padding: 5px 20px;\n                border-radius: 3px;\n                color: #000000;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n            .single-article__conclusion-item {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n            }\n        <\/style>\n        <div class=\"single-article__steps-items\"><div class=\"single-article__steps-counter\" id=\"step_1\">Steg 1<\/div><div class=\"single-article__steps-content\"><h3 id=\"Jamfor-olika-langivare\">J\u00e4mf\u00f6r olika l\u00e5ngivare<\/h3><!-- wp:list {\"ordered\":true} -->\n<span style=\"font-size: 18px;\">Sortera tabellen h\u00f6gst upp p\u00e5 sidan f\u00f6r att j\u00e4mf\u00f6ra r\u00e4nta, kostnader och krav hos olika l\u00e5nef\u00f6retag. Alla l\u00e5n i tabellen \u00e4r utan startavgift.<\/span>\n<!-- \/wp:list --><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Steg 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Las-mer-om-foretaget-eller-ansok\">L\u00e4s mer om f\u00f6retaget eller ans\u00f6k<\/h3><span style=\"font-size: 18px;\">Klicka p\u00e5 den bl\u00e5 pilen l\u00e4ngst till h\u00f6ger f\u00f6r att g\u00f6ra en ans\u00f6kan p\u00e5 l\u00e5nef\u00f6retagets hemsida. Du kan ocks\u00e5 s\u00f6ka p\u00e5 f\u00f6retaget h\u00f6gst upp till h\u00f6ger f\u00f6r att l\u00e4sa mer om deras erbjudande.<br><\/span><\/div><div class=\"single-article__steps-counter\" id=\"step_3\">Steg 3<\/div><div class=\"single-article__steps-content\"><h3 id=\"Ange-belopp-och-aterbetalningstid\">Ange belopp och \u00e5terbetalningstid<\/h3><span style=\"font-size: 18px;\">V\u00e4l p\u00e5 l\u00e5nef\u00f6retagets hemsida fyller du i \u00f6nskat belopp och \u00e5terbetalningstid.<br><\/span><\/div><div class=\"single-article__steps-counter\" id=\"step_4\">Steg 4<\/div><div class=\"single-article__steps-content\"><h3 id=\"Fyll-i-personuppgifter\">Fyll i personuppgifter<\/h3><span style=\"font-size: 18px;\">Fyll i \u00f6vriga uppgifter som l\u00e5ngivaren efterfr\u00e5gar. Oftast inkluderar detta e-postadress, telefonnummer, civilstatus, inkomst etc.<br><\/span><\/div><div class=\"single-article__steps-counter\" id=\"step_5\">Steg 5<\/div><div class=\"single-article__steps-content\"><h3 id=\"Acceptera-villkoren-och-signera\">Acceptera villkoren och signera<\/h3><span style=\"font-size: 18px;\">Acceptera l\u00e5nevillkoren och skicka in ans\u00f6kan genom att signera med BankID.<br><\/span><\/div><div class=\"single-article__steps-counter\" id=\"step_6\">Steg 6<\/div><div class=\"single-article__steps-content\"><h3 id=\"Avvakta-svar\">Avvakta svar<\/h3><span style=\"font-size: 18px;\">Hos vissa l\u00e5ngivare f\u00e5r du svar direkt p\u00e5 sk\u00e4rmen medan andra \u00e5terkommer inom max 24 timmar.<\/span><\/div><\/div>            <div class=\"single-article__conclusion\">\n                            <\/div>\n            <\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"#top\" class=\"button  is-rounded is-primary is-medium is-arrow\" target=\"_self\"  >Hitta l\u00e5n h\u00e4r<\/a><\/div>\n\n\n\t\t<div id=\"genericloan_1_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=1080&\" data-slider-url=\"https:\/\/financer.se\/resultat?query=1&non_affiliate=true&param_amount=10000&param_period=1080&\" data-required=\"resultat?query=1non_affiliate=true&param_amount=10000&param_period=1080&\" 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=\"Vad_r_ln_utan_startavgift_eller_upplggningsavgift\">Vad \u00e4r l\u00e5n utan startavgift eller uppl\u00e4ggningsavgift?<\/h2>\n\n\n\n<p>Uppl\u00e4ggningsavgift, \u00e4ven kallad startavgift, l\u00e4ggs p\u00e5 som en eng\u00e5ngskostnad av l\u00e5ngivaren n\u00e4r du tar ett l\u00e5n. <\/p>\n\n\n\n<p>Avgiften l\u00e4ggs p\u00e5 dels som en administrativ kostnad men \u00e4ven f\u00f6r att kunna konkurrera med l\u00e5ga r\u00e4ntor.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Hur_hg_brukar_upplggningsavgiften_vara_p\">Hur h\u00f6g brukar uppl\u00e4ggningsavgiften vara p\u00e5?<\/h3>\n\n\n\n<p>Vanligtvis brukar uppl\u00e4ggningsavgiften ligga p\u00e5 mellan 350 och 700 kronor. Det finns b\u00e5de billigare och dyrare alternativ och dessutom finns det l\u00e5n helt utan uppl\u00e4ggningsavgift.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Hur_mycket_kan_jag_lna_utan_startavgift\">Hur mycket kan jag l\u00e5na utan startavgift?<\/h2>\n\n\n\n<p>I princip alla l\u00e5netyper (privatl\u00e5n, snabbl\u00e5n, kontokrediter) kan vara utan uppl\u00e4ggningsavgift.<\/p>\n\n\n\n<p>F\u00f6r privatl\u00e5n g\u00e5r det oftast att l\u00e5na upp till <a href=\"https:\/\/financer.se\/lana-pengar\/lana-600000\/\" data-type=\"page\" data-id=\"30692\">600 000 kr<\/a> \u00e4ven om det inte \u00e4r s\u00e4kert att just du f\u00e5r l\u00e5na en s\u00e5 pass h\u00f6g summa. L\u00e5ngivaren bed\u00f6mer din ekonomiska situation och erbjuder dig ett l\u00e5n som de anser att du kan \u00e5terbetala.<\/p>\n\n\n\n<p>F\u00f6r snabbl\u00e5n brukar den h\u00f6gsta summan ligga p\u00e5 runt 50 000 kr men det kan skilja sig ganska kraftigt \u00e5t mellan olika snabbl\u00e5nef\u00f6retag.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Frdelar_och_nackdelar_med_ln_som_inte_har_ngon_fast_startkostnad\">F\u00f6rdelar och nackdelar med l\u00e5n som inte har n\u00e5gon fast startkostnad<\/h2>\n\n\n\n<ul class=\"is-style-pros-list\">\n<li>Du betalar ingen startavgift vilket alltid \u00e4r ett plus (ingen vill ju betala mer \u00e4n n\u00f6dv\u00e4ndigt)<\/li>\n\n\n\n<li>Fler och fler l\u00e5ngivare erbjuder l\u00e5n utan startavgift<\/li>\n\n\n\n<li>Det g\u00e5r att hitta b\u00e5de snabbl\u00e5n och privatl\u00e5n utan startavgift<\/li>\n<\/ul>\n\n\n\n<ul class=\"is-style-cons-list\">\n<li>M\u00e5nga l\u00e5ngivare som erbjuder 0 kr i startavgift tar ut en h\u00f6gre r\u00e4nta<\/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=\"Ln_utan_upplggningsavgift_och_utan_UC\">L\u00e5n utan uppl\u00e4ggningsavgift och utan UC<\/h2>\n\n\n\n<p>Det finns m\u00e5nga l\u00e5ngivare som erbjuder <a href=\"https:\/\/financer.se\/lana-pengar\/utan-uc\/\">l\u00e5n utan UC<\/a> och en del av dessa erbjuder dessutom l\u00e5n utan uppl\u00e4ggningsavgift.\u00a0<\/p>\n\n\n\n<p>Att l\u00e5net \u00e4r utan UC betyder inte att l\u00e5ngivare inte tar en kreditupplysning p\u00e5 dig n\u00e4r du skickar in din ans\u00f6kan. L\u00e5n utan UC betyder att l\u00e5ngivaren v\u00e4nder sig till <a href=\"https:\/\/financer.se\/lana-pengar\/utan-uc\/creditsafe\/\">Creditsafe<\/a> eller <a href=\"https:\/\/financer.se\/lana-pengar\/utan-uc\/bisnode\/\">Bisnode<\/a> ist\u00e4llet f\u00f6r upplysningscentralen (UC).\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Tar_lnefrmedlare_ut_ngon_upplggningsavgift\">Tar l\u00e5nef\u00f6rmedlare ut n\u00e5gon uppl\u00e4ggningsavgift?<\/h2>\n\n\n\n<p>Nej, generellt sett tar <a href=\"https:\/\/financer.se\/lana-pengar\/laneformedlare\/\" data-type=\"page\" data-id=\"4377\">l\u00e5nef\u00f6rmedlare<\/a> inte ut n\u00e5gon startavgift fr\u00e5n sina kunder. D\u00e4remot kan det l\u00e5nef\u00f6retag du sluter avtalet med ta ut en avgift fr\u00e5n dig som slutkund.<\/p>\n\n\n\n<p><strong>En l\u00e5nef\u00f6rmedlare f\u00f6rmedlar endast l\u00e5net mellan dig och l\u00e5nef\u00f6retaget och f\u00e5r sin provision fr\u00e5n l\u00e5nef\u00f6retaget &#8211; inte dig som kund.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Finns_det_ngon_risk_med_att_lna_utan_upplggningsavgift\">Finns det n\u00e5gon risk med att l\u00e5na utan uppl\u00e4ggningsavgift?<\/h2>\n\n\n\n<p>Ett l\u00e5n utan uppl\u00e4ggningsavgift kan uppfattas som billigare \u00e4n andra men s\u00e5 \u00e4r inte alltid fallet.<\/p>\n\n\n\n<p><strong>Faktorer som p\u00e5verkar den totala kostnaden f\u00f6r l\u00e5net \u00e4r:<\/strong><\/p>\n\n\n\n<ul>\n<li>Uppl\u00e4ggningsavgift<\/li>\n\n\n\n<li>Aviavgift<\/li>\n\n\n\n<li>R\u00e4nta<\/li>\n\n\n\n<li>F\u00f6rseningsavgifter<\/li>\n<\/ul>\n\n\n\n<p>Innan du accepterar ett l\u00e5n b\u00f6r du ber\u00e4kna den totala kostnaden f\u00f6r l\u00e5net. Titta alltid p\u00e5 den effektiva r\u00e4ntan f\u00f6r att f\u00e5 en s\u00e5 bra bild som m\u00f6jligt vad l\u00e5net kostar.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"i4_tips_fr_att_f_ner_kostnaden_p_ditt_ln\">4 tips f\u00f6r att f\u00e5 ner kostnaden p\u00e5 ditt l\u00e5n<\/h2>\n\n\n\n<p>Ta del av tipsen nedan f\u00f6r att minska kostnaderna f\u00f6r ditt l\u00e5n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i1_Betala_i_tid\">1. Betala i tid<\/h3>\n\n\n\n<p>Ha alltid koll p\u00e5 n\u00e4r delbetalningarna ska vara utf\u00f6rda. Om du missar en betalning eller om den kommer in en dag f\u00f6r sent kan det leda till f\u00f6rseningsavgifter och p\u00e5minnelseavgifter.\u00a0<\/p>\n\n\n\n<p>Genom att alltid \u00e5terbetala i tid kan du undvika on\u00f6diga avgifter.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i2_Anvnd_autogiro_eller_e_faktura\">2. Anv\u00e4nd autogiro eller e-faktura<\/h3>\n\n\n\n<p>M\u00e5nga l\u00e5ngivare tar en avgift f\u00f6r att skicka ut en pappersfaktura. Genom att v\u00e4lja autogiro eller e-faktura slipper du betala f\u00f6r varje \u00e5terbetalningn.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i3_Lna_inte_i_ondan\">3. L\u00e5na inte i on\u00f6dan<\/h3>\n\n\n\n<p>Innan du tar ett l\u00e5n b\u00f6r du fundera p\u00e5 om du verkligen beh\u00f6ver l\u00e5na. S\u00e5 kallade snabbl\u00e5n\/smsl\u00e5n \u00e4r h\u00f6gkostnadskrediter och \u00e4ven om de erbjuder l\u00e5n utan uppl\u00e4ggningsavgift \u00e4r de i slut\u00e4ndan dyra.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i4_Undvik_uttagsavgift_vid_kontokredit\">4. Undvik uttagsavgift vid kontokredit<\/h3>\n\n\n\n<p>Om du l\u00e5nar via <a href=\"https:\/\/financer.se\/lana-pengar\/kontokredit\/\">kontokredit<\/a> kan det tillkomma en uttagsavgift. \u00c4ven om l\u00e5net \u00e4r utan uppl\u00e4ggningsavgift kan uttagsavgiften vara on\u00f6digt h\u00f6g.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Privatln_utan_upplggningsavgift\">Privatl\u00e5n utan uppl\u00e4ggningsavgift<\/h2>\n\n\n\n<p>Nedan syns en tabell \u00f6ver vad ett privatl\u00e5n p\u00e5 600 000 kr kostar per m\u00e5nad. I samtliga fall tillkommer 0 kr i uppl\u00e4ggningsavgift.\u00a0<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table class=\"has-fixed-layout\"><thead><tr><th>R\u00e4nta<\/th><th>Uppl\u00e4ggningsavgift<\/th><th>L\u00f6ptid<\/th><th>Kostnad vid rak amortering<\/th><th>Kostnad vid annuitetsl\u00e5n<\/th><th>M\u00e5nadskostnad (annuitetsl\u00e5n)<\/th><\/tr><\/thead><tbody><tr><td>2 %<\/td><td>0 kr<\/td><td>10 \u00e5r<\/td><td>60 500 kr<\/td><td>62 497 kr<\/td><td>5 521 kr<\/td><\/tr><tr><td>3 %<\/td><td>0 kr<\/td><td>10 \u00e5r<\/td><td>90 750 kr<\/td><td>95 239 kr<\/td><td>5 794 kr<\/td><\/tr><tr><td>4 %<\/td><td>0 kr<\/td><td>10 \u00e5r<\/td><td>121 000 kr<\/td><td>128 965 kr<\/td><td>6 075 kr<\/td><\/tr><tr><td>5 %<\/td><td>0 kr<\/td><td>10 \u00e5r<\/td><td>151 250 kr<\/td><td>163 673 kr<\/td><td>6 364 kr<\/td><\/tr><tr><td>6 %<\/td><td>0 kr<\/td><td>10 \u00e5r<\/td><td>181 500 kr<\/td><td>199 347 kr<\/td><td>6 661 kr<\/td><\/tr><tr><td>7 %<\/td><td>0 kr<\/td><td>10 \u00e5r<\/td><td>211 750 kr<\/td><td>235 981 kr<\/td><td>6 967 kr<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i3_populra_privatln_utan_upplggningsavgift\">3 popul\u00e4ra privatl\u00e5n utan uppl\u00e4ggningsavgift<\/h3>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.se\/foretag\/coop\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"418\" height=\"128\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/coop-logo.jpg\" class=\"attachment-full size-full\" alt=\"Coop Logo\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/coop-logo.jpg 418w, https:\/\/financer.global\/app\/uploads\/sites\/2\/coop-logo-300x92.jpg 300w\" sizes=\"(max-width: 418px) 100vw, 418px\" \/><\/a><span class=\"items-content__card-chosen\">Valdes <strong>786<\/strong> g\u00e5nger<\/span><ul class=\"items-content__card-list\"><li >Erbjuder privatl\u00e5n, sparkonto och kreditkort<\/li><li >1 % l\u00e4gre r\u00e4nta p\u00e5 privatl\u00e5n f\u00f6r medlemmar<\/li><li >Erbjuder ocks\u00e5 bill\u00e5n, samlingsl\u00e5n och renoveringsl\u00e5n<\/li><li >Rabatt och bonus f\u00f6r Coop-medlemmar<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta l\u00e5nebelopp<\/span><span class=\"items-content__card-datapoint-value\">15000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f6gsta L\u00e5nebelopp<\/span><span class=\"items-content__card-datapoint-value\">600000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta \u00e5rlig r\u00e4nta<\/span><span class=\"items-content__card-datapoint-value\">3.70<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">\u00c5rlig r\u00e4nta<\/span><span class=\"items-content__card-datapoint-value\">9.90<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Kortaste \u00e5terbetalningstid<\/span><span class=\"items-content__card-datapoint-value\">2 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4ngsta \u00e5terbetalningstid<\/span><span class=\"items-content__card-datapoint-value\">15 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterar anm\u00e4rkningar\n<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta \u00e5lder<\/span><span class=\"items-content__card-datapoint-value\">20 \u00e5r<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.se\/foretag\/coop\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"30475\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">G\u00e5 vidare<\/a><a href=\"https:\/\/financer.se\/foretag\/coop\/\"  class=\"button is-rounded items-content__card-more-info\">Om f\u00f6retaget<\/a><a href=\"https:\/\/financer.se\/foretag\/coop\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\">F\u00f6retagsbetyg:<\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4\">4.0<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e4s&nbsp;<a href=\"https:\/\/financer.se\/foretag\/coop\/#read-reviews\">1<\/strong>&nbsp;kundomd\u00f6men<\/a><\/div><\/div><div class=\"items-content__card-description\" >Representativt exempel: Vid 8,67 % r\u00f6rlig r\u00e4nta \u00e4r den effektiva \u00e5rsr\u00e4ntan 9,02 % f\u00f6r ett annuitetsl\u00e5n p\u00e5 165 000 kr med 10 \u00e5rs \u00e5terbetalningstid med tot. 120 \u00e5terbetalningar, uppl\u00e4ggningsavgift 0 kr och aviavgift 0 kr med autogiro. Givet of\u00f6r\u00e4ndrad r\u00e4nta och aviavgift blir tot. belopp att \u00e5terbetala 247 725 kr och m\u00e5nadskostnaden 2 072 kr. Individuell r\u00e4nta 5,20%\u201316,95% (effektiv r\u00e4nta 5,33%\u201325,46%). Kreditgivare MedMera Bank (2024-02-27).<\/div><\/div><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.se\/foretag\/bank-norwegian\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"908\" height=\"250\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/bank-norwegian-logo.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/bank-norwegian-logo.png 908w, https:\/\/financer.global\/app\/uploads\/sites\/2\/bank-norwegian-logo-300x83.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/2\/bank-norwegian-logo-768x211.png 768w\" sizes=\"(max-width: 908px) 100vw, 908px\" \/><\/a><span class=\"items-content__card-chosen\">Valdes <strong>4&nbsp;302<\/strong> g\u00e5nger<\/span><ul class=\"items-content__card-list\"><li >Bank Norwegian erbjuder privatl\u00e5n, sparkonto och kreditkort<\/li><li >St\u00e5r under den norska finansinspektionens tillsyn<\/li><li >Erbjuder bonus n\u00e4r du handlar med kreditkortet<\/li><li >Ans\u00f6kan online<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta l\u00e5nebelopp<\/span><span class=\"items-content__card-datapoint-value\">5000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f6gsta L\u00e5nebelopp<\/span><span class=\"items-content__card-datapoint-value\">600000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta \u00e5rlig r\u00e4nta<\/span><span class=\"items-content__card-datapoint-value\">5.99<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">\u00c5rlig r\u00e4nta<\/span><span class=\"items-content__card-datapoint-value\">23.99<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Kortaste \u00e5terbetalningstid<\/span><span class=\"items-content__card-datapoint-value\">1 \u00c5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4ngsta \u00e5terbetalningstid<\/span><span class=\"items-content__card-datapoint-value\">15 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterar anm\u00e4rkningar\n<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta \u00e5lder<\/span><span class=\"items-content__card-datapoint-value\">20 \u00e5r<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.se\/foretag\/bank-norwegian\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"3057\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">G\u00e5 vidare<\/a><a href=\"https:\/\/financer.se\/foretag\/bank-norwegian\/\"  class=\"button is-rounded items-content__card-more-info\">Om f\u00f6retaget<\/a><a href=\"https:\/\/financer.se\/foretag\/bank-norwegian\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\">F\u00f6retagsbetyg:<\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.6\">3.6<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e4s&nbsp;<a href=\"https:\/\/financer.se\/foretag\/bank-norwegian\/#read-reviews\">29<\/strong>&nbsp;kundomd\u00f6men<\/a><\/div><\/div><div class=\"items-content__card-description\" >Representativt exempel: Vid ett privatl\u00e5n p\u00e5 80 000 kr som \u00e5terbetalas p\u00e5 6 \u00e5r med r\u00e4ntan 11,99% (inkl. m\u00e5nadsavgift 19 kr och uppl\u00e4ggningsavgift 399 kr) blir den effektiva r\u00e4ntan 13,39%. Du betalar 1590 kr\/m\u00e5nad (1571 kr utg\u00f6r avbetalning, 19 kr utg\u00f6r m\u00e5nadsavgift och antalet avbetalningar \u00e4r 72), dvs. ett totalbelopp p\u00e5 114 509 kr inkl. uppl\u00e4ggningsavgiften om 399. R\u00e4ntan \u00e4r r\u00f6rlig och kan variera fr\u00e5n 8,29% till 19,99%. Den effektiva r\u00e4ntan kan variera fr\u00e5n 8,61% till 29,07% (januari 2024).<\/div><\/div><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.se\/foretag\/advisa\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-1-1.png\" class=\"attachment-full size-full\" alt=\"\" \/><\/a><span class=\"items-content__card-chosen\">Valdes <strong>20&nbsp;904<\/strong> g\u00e5nger<\/span><ul class=\"items-content__card-list\"><li >En av Sveriges st\u00f6rsta l\u00e5nef\u00f6rmedlare med 40+ samarbetspartners<\/li><li >Signera ans\u00f6kan med BankID<\/li><li >Gratis ans\u00f6kan<\/li><li >Endast en upplysning hos UC<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta l\u00e5nebelopp<\/span><span class=\"items-content__card-datapoint-value\">5000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f6gsta L\u00e5nebelopp<\/span><span class=\"items-content__card-datapoint-value\">600000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta \u00e5rlig r\u00e4nta<\/span><span class=\"items-content__card-datapoint-value\">3.06<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">\u00c5rlig r\u00e4nta<\/span><span class=\"items-content__card-datapoint-value\">29.99<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Kortaste \u00e5terbetalningstid<\/span><span class=\"items-content__card-datapoint-value\">1 \u00c5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4ngsta \u00e5terbetalningstid<\/span><span class=\"items-content__card-datapoint-value\">20 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterar anm\u00e4rkningar\n<\/span><span class=\"items-content__card-datapoint-value\">Ja. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta \u00e5lder<\/span><span class=\"items-content__card-datapoint-value\">18 \u00e5r<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.se\/foretag\/advisa\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"6393\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">G\u00e5 vidare<\/a><a href=\"https:\/\/financer.se\/foretag\/advisa\/\"  class=\"button is-rounded items-content__card-more-info\">Om f\u00f6retaget<\/a><a href=\"https:\/\/financer.se\/foretag\/advisa\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\">F\u00f6retagsbetyg:<\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.5\">4.5<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e4s&nbsp;<a href=\"https:\/\/financer.se\/foretag\/advisa\/#read-reviews\">39<\/strong>&nbsp;kundomd\u00f6men<\/a><\/div><\/div><div class=\"items-content__card-description\" >Representativt exempel: R\u00e4ntan \u00e4r r\u00f6rlig och s\u00e4tts individuellt. F\u00f6r ett annuitetsl\u00e5n p\u00e5 5000 kr med 12 \u00e5rs l\u00f6ptid, nominell r\u00e4nta 6.94 % och 0 kr i uppl\u00e4ggnings-\/aviavgift blir den effektiva r\u00e4ntan 7.17 %. Totalt belopp att betala: 7381 kr. M\u00e5nadskostnad: 51 kr f\u00f6rdelat p\u00e5 144 betalningstillf\u00e4llen. Uppdaterat 2020-09-09. Advisa arbetar med 40 kreditgivare. Din ans\u00f6kan kommer att skickas till de kreditgivare som b\u00e4st matchar din profil. \u00c5terbetalningstid 1-20 \u00e5r. Maximala r\u00e4ntan \u00e4r 29,99%. R\u00e4ntespann mellan: 3,06% &#8211; 29,99% (Uppdaterat januari 2021).<\/div><\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Smsln_utan_upplggningsavgift\">Smsl\u00e5n utan uppl\u00e4ggningsavgift<\/h2>\n\n\n\n<p>Det finns ocks\u00e5 m\u00e5nga <a href=\"https:\/\/financer.se\/lana-pengar\/smslan\/\">sms-l\u00e5n<\/a> som inte har n\u00e5gon uppl\u00e4ggningsavgift. Sms l\u00e5n \u00e4r d\u00e4remot dyra b\u00e5de n\u00e4r det kommer till r\u00e4nta och eventuella f\u00f6rseningsavgifter. <\/p>\n\n\n\n<p><strong>L\u00e4s alltid igenom villkoren noga innan du skickar in en ans\u00f6kan eller skriver under l\u00e5neavtalet f\u00f6r ett snabbl\u00e5n.\u00a0<\/strong><\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Smsln_r_hgkostnadskrediter\">Smsl\u00e5n \u00e4r h\u00f6gkostnadskrediter<\/h3><!-- wp:paragraph -->\nN\u00e4stan alla smsl\u00e5n \u00e4r h\u00f6gkostnadskrediter som kan bli mycket dyra och b\u00f6r i st\u00f6rsta m\u00f6jliga utstr\u00e4ckning undvikas.\n<!-- \/wp:paragraph --> <!-- wp:paragraph -->\nL\u00e4s mer om h\u00f6gkostnadskrediter p\u00e5 <a href=\"https:\/\/www.hallakonsument.se\/lagar\/konsumentkreditlagen\/#:~:text=H%C3%B6gkostnadskrediter%20%E2%80%93%20vad%20f%C3%A5r%20ett%20l%C3%A5n,r%C3%A4nta%20p%C3%A5%20minst%2040%20procent.\" target=\"_blank\" rel=\"noopener\">hall\u00e5konsument.se<\/a>\n<!-- \/wp:paragraph --><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"i3_populra_snabbln_utan_startavgift\">3 popul\u00e4ra snabbl\u00e5n utan startavgift<\/h3>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.se\/foretag\/credifi\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-23.png\" class=\"attachment-full size-full\" alt=\"\" \/><\/a><span class=\"items-content__card-chosen\">Valdes <strong>231<\/strong> g\u00e5nger<\/span><ul class=\"items-content__card-list\"><li >Smsl\u00e5n med ans\u00f6kan online och besked direkt<\/li><li >Gratis att l\u00f6sa l\u00e5n i f\u00f6rtid<\/li><li >\u00c4gs av Luma Finans som ocks\u00e5 \u00e4ger Lumify<\/li><li >R\u00e4ntefri f\u00f6rsta m\u00e5nad<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta l\u00e5nebelopp<\/span><span class=\"items-content__card-datapoint-value\">2000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f6gsta L\u00e5nebelopp<\/span><span class=\"items-content__card-datapoint-value\">50000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta \u00e5rlig r\u00e4nta<\/span><span class=\"items-content__card-datapoint-value\">42.50<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">\u00c5rlig r\u00e4nta<\/span><span class=\"items-content__card-datapoint-value\">42.50<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Kortaste \u00e5terbetalningstid<\/span><span class=\"items-content__card-datapoint-value\">1 m\u00e5nad<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4ngsta \u00e5terbetalningstid<\/span><span class=\"items-content__card-datapoint-value\">1 \u00c5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterar anm\u00e4rkningar\n<\/span><span class=\"items-content__card-datapoint-value\">Ja. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta \u00e5lder<\/span><span class=\"items-content__card-datapoint-value\">18 \u00e5r<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.se\/foretag\/credifi\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"69909\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">G\u00e5 vidare<\/a><a href=\"https:\/\/financer.se\/foretag\/credifi\/\"  class=\"button is-rounded items-content__card-more-info\">Om f\u00f6retaget<\/a><a href=\"https:\/\/financer.se\/foretag\/credifi\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\">F\u00f6retagsbetyg:<\/div><span class=\"simple-rating-value rating_gray\" data-rating-value=\"0\">N\/A<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e4s&nbsp;<a href=\"https:\/\/financer.se\/foretag\/credifi\/#read-reviews\">0<\/strong>&nbsp;kundomd\u00f6men<\/a><\/div><\/div><div class=\"items-content__card-description\" >Representativt exempel: En kredit p\u00e5 9 500 kr till 43,50 % r\u00e4nta med en \u00e5terbetalningstid p\u00e5 tio m\u00e5nader (med tio \u00e5terbetalningar om 1 876 kr, 1 543 kr, 1 507 kr, 1 470 kr, 1 433 kr, 1 397 kr, 1 360 kr, 1 324 kr, 1 287 kr samt 1 250 kr) och 1 205 kr i uppl\u00e4ggningsavgift, 1 155 kr i L\u00e4gst att betala-belopp samt 600 kr i aviavgifter ger en effektiv r\u00e4nta p\u00e5 totalt 186.81 %. Det totala beloppet att \u00e5terbetala \u00e4r 14 447 kr. Kreditens l\u00f6ptid och d\u00e4r tillh\u00f6rande kostnader kan komma att f\u00f6r\u00e4ndras vid ut\u00f6kning av krediten.<\/div><div class=\"items-content__card-description\" ><p style=\"font-size: 14px; color: #555; padding: 10px; border: 1px solid #eee; border-radius: 3px;\"><img decoding=\"async\" class=\"alignleft wp-image-26825 size-full\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/2\/symbol_250px.png\" alt=\"H\u00f6gkostnadskredit\" width=\"50\" height=\"50\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/symbol_250px.png 250w, https:\/\/financer.global\/app\/uploads\/sites\/2\/symbol_250px-150x150.png 150w, https:\/\/financer.global\/app\/uploads\/sites\/2\/symbol_250px-75x75.png 75w\" sizes=\"(max-width: 50px) 100vw, 50px\" \/><b>Det h\u00e4r \u00e4r en h\u00f6gkostnadskredit. <\/b>Om du inte kan betala tillbaka hela skulden riskerar du en betalningsanm\u00e4rkning. F\u00f6r st\u00f6d, v\u00e4nd dig till budget- och skuldr\u00e5dgivningen i din kommun. Kontaktuppgifter finns p\u00e5 <a href=\"https:\/\/www.hallakonsument.se\/\" target=\"_blank\" rel=\"noopener\">hall\u00e5konsument.se<\/a>.<\/p>\n<\/div><\/div><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.se\/foretag\/northmill\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-1-4.png\" class=\"attachment-full size-full\" alt=\"\" \/><\/a><span class=\"items-content__card-chosen\">Valdes <strong>2&nbsp;284<\/strong> g\u00e5nger<\/span><ul class=\"items-content__card-list\"><li >Kontokredit d\u00e4r du endast betalar r\u00e4nta f\u00f6r pengarna du tar ut<\/li><li >Individuell r\u00e4ntes\u00e4ttning<\/li><li >Ingen uppl\u00e4ggningsavgift<\/li><li >Kostnadsfri app ing\u00e5r<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta l\u00e5nebelopp<\/span><span class=\"items-content__card-datapoint-value\">1000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f6gsta L\u00e5nebelopp<\/span><span class=\"items-content__card-datapoint-value\">50000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta \u00e5rlig r\u00e4nta<\/span><span class=\"items-content__card-datapoint-value\">7.90<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">\u00c5rlig r\u00e4nta<\/span><span class=\"items-content__card-datapoint-value\">25.90<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Kortaste \u00e5terbetalningstid<\/span><span class=\"items-content__card-datapoint-value\">1 m\u00e5nad<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4ngsta \u00e5terbetalningstid<\/span><span class=\"items-content__card-datapoint-value\">6 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterar anm\u00e4rkningar\n<\/span><span class=\"items-content__card-datapoint-value\">Ja. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta \u00e5lder<\/span><span class=\"items-content__card-datapoint-value\">20 \u00e5r<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.se\/foretag\/northmill\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"7457\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">G\u00e5 vidare<\/a><a href=\"https:\/\/financer.se\/foretag\/northmill\/\"  class=\"button is-rounded items-content__card-more-info\">Om f\u00f6retaget<\/a><a href=\"https:\/\/financer.se\/foretag\/northmill\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\">F\u00f6retagsbetyg:<\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.5\">3.5<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e4s&nbsp;<a href=\"https:\/\/financer.se\/foretag\/northmill\/#read-reviews\">16<\/strong>&nbsp;kundomd\u00f6men<\/a><\/div><\/div><div class=\"items-content__card-description\" >Representativt exempel: Vid kredit om 50 000 kr till 12,9 % \u00e5rsr\u00e4nta (r\u00f6rlig) under ett \u00e5r med 12 \u00e5terbetalningar, en uttagsavgift om 195 kr samt en administrativ m\u00e5nadsavgift om 19 kr blir totalt belopp att \u00e5terbetala 53 999 kr (4 500 kr per m\u00e5nad) och den effektiva r\u00e4ntan 15,4 %.<\/div><\/div><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.se\/foretag\/binly\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-22.png\" class=\"attachment-full size-full\" alt=\"\" \/><\/a><span class=\"items-content__card-chosen\">Valdes <strong>356<\/strong> g\u00e5nger<\/span><ul class=\"items-content__card-list\"><li >Kontokredit d\u00e4r du bara betalar r\u00e4nta p\u00e5 pengarna du anv\u00e4nder<\/li><li >F\u00f6rsta m\u00e5naden r\u00e4ntefri f\u00f6r nya kunder<\/li><li >Direktutbetalning till storbankerna<\/li><li >Ans\u00f6kan online med besked direkt<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta l\u00e5nebelopp<\/span><span class=\"items-content__card-datapoint-value\">2000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f6gsta L\u00e5nebelopp<\/span><span class=\"items-content__card-datapoint-value\">50000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta \u00e5rlig r\u00e4nta<\/span><span class=\"items-content__card-datapoint-value\">42.50<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">\u00c5rlig r\u00e4nta<\/span><span class=\"items-content__card-datapoint-value\">42.50<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Kortaste \u00e5terbetalningstid<\/span><span class=\"items-content__card-datapoint-value\">1 m\u00e5nad<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4ngsta \u00e5terbetalningstid<\/span><span class=\"items-content__card-datapoint-value\">1 \u00c5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterar anm\u00e4rkningar\n<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta \u00e5lder<\/span><span class=\"items-content__card-datapoint-value\">18 \u00e5r<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.se\/foretag\/binly\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"69756\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">G\u00e5 vidare<\/a><a href=\"https:\/\/financer.se\/foretag\/binly\/\"  class=\"button is-rounded items-content__card-more-info\">Om f\u00f6retaget<\/a><a href=\"https:\/\/financer.se\/foretag\/binly\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\">F\u00f6retagsbetyg:<\/div><span class=\"simple-rating-value rating_gray\" data-rating-value=\"0\">N\/A<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e4s&nbsp;<a href=\"https:\/\/financer.se\/foretag\/binly\/#read-reviews\">0<\/strong>&nbsp;kundomd\u00f6men<\/a><\/div><\/div><div class=\"items-content__card-description\" >Representativt exempel:  En kredit p\u00e5 9 500 kr till 42,50 % r\u00e4nta med en \u00e5terbetalningstid p\u00e5 tio m\u00e5nader (med tio \u00e5terbetalningar om 1 910 kr, 1 576 kr, 1 536 kr, 1 496 kr, 1 456 kr, 1 415 kr, 1 375 kr, 1 335 kr, 1 294 kr samt 1 254 kr) och 1 205 kr i uppl\u00e4ggningsavgift, 1 155 kr i L\u00e4gst att betala-belopp samt 600 kr i aviavgifter ger en effektiv r\u00e4nta p\u00e5 totalt 198,86 %. Det totala beloppet att \u00e5terbetala \u00e4r 14 648 kr.<\/div><div class=\"items-content__card-description\" ><p style=\"font-size: 14px; color: #555; padding: 10px; border: 1px solid #eee; border-radius: 3px;\"><img decoding=\"async\" class=\"alignleft wp-image-26825 size-full\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/2\/symbol_250px.png\" alt=\"H\u00f6gkostnadskredit\" width=\"50\" height=\"50\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/symbol_250px.png 250w, https:\/\/financer.global\/app\/uploads\/sites\/2\/symbol_250px-150x150.png 150w, https:\/\/financer.global\/app\/uploads\/sites\/2\/symbol_250px-75x75.png 75w\" sizes=\"(max-width: 50px) 100vw, 50px\" \/><b>Det h\u00e4r \u00e4r en h\u00f6gkostnadskredit.<br \/>\n<\/b>Om du inte kan betala tillbaka hela skulden riskerar du en betalningsanm\u00e4rkning. F\u00f6r st\u00f6d, v\u00e4nd dig till budget- och skuldr\u00e5dgivningen i din kommun. Kontaktuppgifter finns p\u00e5 <a href=\"https:\/\/www.hallakonsument.se\/\" target=\"_blank\" rel=\"noopener\">hall\u00e5konsument.se<\/a>.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Boln_utan_upplggningsavgift\">Bol\u00e5n utan uppl\u00e4ggningsavgift<\/h2>\n\n\n\n<p>Det \u00e4r v\u00e4ldigt sv\u00e5rt att hitta bol\u00e5n utan uppl\u00e4ggningsavgift eftersom det handlar om en mycket st\u00f6rre summa och mer administrativa omkostnader.\u00a0<\/p>\n\n\n\n<p>Oftast \u00e4r uppl\u00e4ggningsavgiften mycket h\u00f6gre f\u00f6r ett <a href=\"https:\/\/financer.se\/lana-pengar\/bolan\/\" data-type=\"page\" data-id=\"3320\">bol\u00e5n<\/a>, men summan \u00e4r \u00e4nd\u00e5 l\u00e5g procentuellt sett om man ser till den totala l\u00e5nesumman.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"r_det_en_bra_id_att_lna_utan_upplggningsavgift\">\u00c4r det en bra id\u00e9 att l\u00e5na utan uppl\u00e4ggningsavgift?<\/h2>\n\n\n\n<p>Ja, det \u00e4r bra att f\u00f6rs\u00f6ka hitta ett l\u00e5n som inte har n\u00e5gon uppl\u00e4ggningsavgift. M\u00e5nga l\u00e5ngivare har en uppl\u00e4ggningsavgift som \u00e4r alldeles f\u00f6r h\u00f6g vilket egentligen \u00e4r omotiverat n\u00e4r det finns l\u00e5n som inte har denna avgift.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Stirra_dig_inte_blind_p_upplggningsavgiften\">Stirra dig inte blind p\u00e5 uppl\u00e4ggningsavgiften<\/h3>\n\n\n\n<p>Stirra dig d\u00e4remot inte blind p\u00e5 uppl\u00e4ggningsavgiften! <\/p>\n\n\n\n<p>Vissa l\u00e5nef\u00f6retag erbjuder 0 kr i uppl\u00e4ggningsavgift men kompenserar f\u00f6r detta med en h\u00f6gre r\u00e4nta eller andra avgifter. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Se_till_totalkostnaden\">Vad \u00e4r den effektiva r\u00e4ntan?<\/h3>Se till helhetserbjudandet fr\u00e5n l\u00e5nef\u00f6retaget f\u00f6r att f\u00e5 en s\u00e5 bra bild som m\u00f6jligt \u00f6ver kostnaderna.\nEn bra id\u00e9 \u00e4r att titta p\u00e5 den effektiva r\u00e4ntan som tar h\u00e4nsyn till r\u00e4nta och alla tillh\u00f6rande avgifter.<\/div>\n\n\n<p>F\u00f6r att hitta b\u00e4sta l\u00e5n utan uppl\u00e4ggningsavgift, klicka p\u00e5 knappen nedan.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"#top\" class=\"button  is-rounded is-primary is-medium is-fullwidth\" target=\"_self\"  >J\u00e4mf\u00f6r l\u00e5n utan uppl\u00e4ggningsavgift<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Vanliga_frgor_och_svar\">Vanliga fr\u00e5gor och svar<\/h2>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h4>\u00c4r uppl\u00e4ggningsavgift samma sak som r\u00e4nta?<\/h4><div class=\"faq_inner\"><!-- wp:paragraph -->\nUppl\u00e4ggningsavgiften \u00e4r inte samma sak som r\u00e4nta utan en fast avgift som du betalar n\u00e4r du signerar l\u00e5neavtalet.\n<!-- \/wp:paragraph --><\/div><h4>Hur h\u00f6g \u00e4r uppl\u00e4ggningsavgiften?<\/h4><div class=\"faq_inner\">En uppl\u00e4ggningsavgift ligger vanligtvis mellan 350 och 700 kr.\u00a0\n<!-- \/wp:paragraph --> <!-- wp:paragraph -->\nDet finns l\u00e5n utan uppl\u00e4ggningsavgift, billigare uppl\u00e4ggningsavgift samt dyrare uppl\u00e4ggningsavgift. Bol\u00e5n har i princip alltid en lite h\u00f6gre uppl\u00e4ggningsavgift.<\/div><h4>M\u00e5ste man betala uppl\u00e4ggningsavgift?<\/h4><div class=\"faq_inner\">Uppl\u00e4ggningsavgift \u00e4r en administrativ kostnad som de flesta l\u00e5ngivare tar ut. Det finns dock ett flertal l\u00e5ngivare som erbjuder l\u00e5n utan uppl\u00e4ggningsavgift.<\/div><h4>Varf\u00f6r tar l\u00e5ngivare ut en uppl\u00e4ggningsavgift?<\/h4><div class=\"faq_inner\">Uppl\u00e4ggningsavgiften \u00e4r en eng\u00e5ngsavgift som l\u00e5ntagaren vanligtvis tar ut f\u00f6r att t\u00e4cka administrativa kostnader i samband med f\u00f6rberedelser och f\u00f6r att bevilja ditt l\u00e5n.<\/div><h4>Finns det bara f\u00f6rdelar med l\u00e5n utan uppl\u00e4ggningsavgift?<\/h4><div class=\"faq_inner\">Nej. M\u00e5nga l\u00e5ngivare som erbjuder 0 kr i uppl\u00e4ggningsavgift kompenserar f\u00f6r detta med en h\u00f6gre r\u00e4nta eller andra avgifter. Stirra dig d\u00e4rf\u00f6r inte blind p\u00e5 uppl\u00e4ggningsavgiften utan se till l\u00e5nets totalkostnad ist\u00e4llet.<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>J\u00e4mf\u00f6r l\u00e5n utan uppl\u00e4ggningsavgift Vill du hitta b\u00e4sta l\u00e5n utan uppl\u00e4ggningsavgift? D\u00e5 har du kommit till r\u00e4tt plats. H\u00e4r j\u00e4mf\u00f6r\u2026 <\/p>\n","protected":false},"author":7033,"featured_media":79334,"parent":5080,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[1314],"tags":[56],"_links":{"self":[{"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages\/70862"}],"collection":[{"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/users\/7033"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/comments?post=70862"}],"version-history":[{"count":50,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages\/70862\/revisions"}],"predecessor-version":[{"id":76025,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages\/70862\/revisions\/76025"}],"up":[{"embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages\/5080"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/media\/79334"}],"wp:attachment":[{"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/media?parent=70862"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/categories?post=70862"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/tags?post=70862"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}