{"id":9523,"date":"2016-09-13T18:33:44","date_gmt":"2016-09-13T16:33:44","guid":{"rendered":"https:\/\/financer.se\/?page_id=9523"},"modified":"2024-09-17T09:28:42","modified_gmt":"2024-09-17T07:28:42","slug":"lana-500000","status":"publish","type":"page","link":"https:\/\/financer.se\/lana-pengar\/lana-500000\/","title":{"rendered":"L\u00e5na 500 000"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Jmfr_bsta_ln_p_500_000_kr_utan_skerhet\">J\u00e4mf\u00f6r b\u00e4sta l\u00e5n p\u00e5 500 000 kr utan s\u00e4kerhet<\/h2>\n\n\n\n<p>Vilket \u00e4r det b\u00e4sta och billigaste l\u00e5net om jag beh\u00f6ver l\u00e5na 500 000 kr?<\/p>\n\n\n\n<p><strong>Denna fr\u00e5ga f\u00e5r du svar p\u00e5 h\u00e4r. Vi j\u00e4mf\u00f6r de 8 b\u00e4sta l\u00e5ngivare som erbjuder l\u00e5n p\u00e5 en halv miljon kronor s\u00e5 att du enkelt kan v\u00e4lja r\u00e4tt alternativ.<\/strong><\/p>\n\n\n\n<ul>\n<li>Lista och j\u00e4mf\u00f6relse av 8 b\u00e4sta l\u00e5nen 2024<\/li>\n\n\n\n<li>Svar p\u00e5 vanliga fr\u00e5gor om att l\u00e5na 500000 kronor<\/li>\n\n\n\n<li>4 saker att t\u00e4nka p\u00e5 innan du signerar l\u00e5neavtalet<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"En_versikt_ver_jmfrelsen\">En \u00f6versikt \u00f6ver j\u00e4mf\u00f6relsen<\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table class=\"has-fixed-layout\"><tbody><tr><td>Antal l\u00e5nef\u00f6retag totalt<\/td><td>8 st<\/td><\/tr><tr><td>Antal l\u00e5nef\u00f6rmedlare<\/td><td>6 st<\/td><\/tr><tr><td>L\u00f6ptid<\/td><td>1 \u00e5r \u2013 20 \u00e5r<\/td><\/tr><tr><td>R\u00e4nta<\/td><td>3,05% \u2013 33,75%<\/td><\/tr><tr><td><a href=\"https:\/\/financer.se\/lana-pengar\/utan-uc\/\">Utan UC<\/a><\/td><td>Ingen (alla anv\u00e4nder UC)<\/td><\/tr><tr><td>Godk\u00e4nner betalningsanm\u00e4rkningar<\/td><td>Ja (individuell bed\u00f6mning)<\/td><\/tr><tr><td><a href=\"https:\/\/financer.se\/blogg\/gar-det-att-lana-pengar-med-skuld-hos-kronofogden\/\">Accepterar skulder hos Kronofogden<\/a><\/td><td>Nej<\/td><\/tr><tr><td>H\u00f6gkostnadskrediter<\/td><td>Nej<\/td><\/tr><\/tbody><\/table><\/figure>\n\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=5&\" data-slider-url=\"https:\/\/financer.se\/resultat?query=1&non_affiliate=true&param_amount=10000&param_period=5&\" data-required=\"resultat?query=1non_affiliate=true&param_amount=10000&param_period=5&\" 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=\"Vanliga_frgor_och_svar\">Vanliga fr\u00e5gor och svar<\/h2>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h4>G\u00e5r det att l\u00e5na 500 000 kr utan UC?<\/h4><div class=\"faq_inner\">Nej. Alla l\u00e5ngivare g\u00f6r en kreditupplysning hos UC f\u00f6r ett s\u00e5 stort l\u00e5n. Om du vill l\u00e5na utan UC kan du inte l\u00e5na ett lika h\u00f6gt belopp (max 100 000 kr hos vissa l\u00e5nef\u00f6retag, andra har ett l\u00e4gre maxbelopp).<\/div><h4>Kan jag l\u00e5na 500.000 kr med en betalningsanm\u00e4rkning?<\/h4><div class=\"faq_inner\"><p>Det kan g\u00e5, men det blir sv\u00e5rare och risken \u00e4r att du f\u00e5r en h\u00f6gre r\u00e4nta. Banker har lite olika regler n\u00e4r det g\u00e4ller detta, speciellt eftersom l\u00e5nebeloppet \u00e4r s\u00e5 pass h\u00f6gt.<\/p><\/div><h4>Hur snabbt kan utbetalning av l\u00e5net ske?<\/h4><div class=\"faq_inner\"><p>Vissa l\u00e5ngivare erbjuder utbetalning samma dag om du \u00e4r kund hos n\u00e5gon av storbankerna, hos andra kan det ta n\u00e5gra dagar. Eftersom ett l\u00e5n p\u00e5 500 000 kr \u00e4r ett stort l\u00e5n \u00e4r det troligt att banken g\u00f6r en extra koll p\u00e5 din ekonomi innan de beviljar l\u00e5net vilket g\u00f6r att det tar n\u00e5gra dagar.<\/p><\/div><h4>Vad kostar ett l\u00e5n p\u00e5 500 000 kr?<\/h4><div class=\"faq_inner\">Det beror p\u00e5 r\u00e4nta och andra avgifter. R\u00e4ntan brukar vara den viktigaste faktorn.\n\nS\u00e4g att du tar ett l\u00e5n p\u00e5 500 000 kr, med 10 \u00e5rs \u00e5terbetalningstid med en r\u00e4nta p\u00e5 5%. D\u00e5 blir den totala kostnaden f\u00f6r l\u00e5net 126 040 kr. (Rak amortering och inga andra avgifter)<\/div><h4>G\u00e5r det att l\u00f6sa ett l\u00e5n p\u00e5 500 000 kr i f\u00f6rtid?<\/h4><div class=\"faq_inner\">Ja, de flesta l\u00e5ngivare godk\u00e4nner att du avslutar l\u00e5net i f\u00f6rtid. Kontrollera med din bank eller l\u00e5ngivare vad som g\u00e4ller i ditt fall men generellt sett brukar det g\u00e5.<\/div><h4>Beh\u00f6ver jag ber\u00e4tta f\u00f6r banken vad syftet med mitt l\u00e5n \u00e4r?<\/h4><div class=\"faq_inner\">L\u00e5ngivaren brukar fr\u00e5ga vad syftet med l\u00e5net \u00e4r i samband med ans\u00f6kan. Vanliga anledningar brukar vara att man ska k\u00f6pa n\u00e5got dyrare (tex. en bil) eller renovera hemma.<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Flj_dessa_steg_fr_att_hitta_billigaste_ln_p_500_000_kr\">F\u00f6lj dessa steg f\u00f6r att hitta billigaste l\u00e5n p\u00e5 500 000 kr<\/h2>\n\n\n\n<p>F\u00f6lj stegen nedan f\u00f6r att hitta ett l\u00e5n p\u00e5 500 000 kronor med l\u00e5g r\u00e4nta.<\/p>\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=\"Studera-langivare-i-tabellen\">Studera l\u00e5ngivare i tabellen<\/h3><p>H\u00f6gst upp p\u00e5 sidan har vi angett de b\u00e4sta l\u00e5ngivarna som erbjuder l\u00e5n p\u00e5 500 000 kr. Studera dessa f\u00f6retag och sortera i tabellen efter r\u00e4nta, l\u00e5nebelopp, \u00e5terbetalningstid etc.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Steg 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Varfor-behover-du-ett-lan\">Varf\u00f6r beh\u00f6ver du ett l\u00e5n?<\/h3><p>Varf\u00f6r vill du ta ett l\u00e5n? \u00c4r det f\u00f6r privat konsumtion s\u00e5 b\u00f6r du undvika ett l\u00e5n \u00f6verhuvudtaget. G\u00f6r en budget f\u00f6r att s\u00e4kerst\u00e4lla att du klarar av \u00e5terbetalningen.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_3\">Steg 3<\/div><div class=\"single-article__steps-content\"><h3 id=\"Las-om-respektive-langivare\">L\u00e4s om respektive l\u00e5ngivare<\/h3><p>Vi har recenserat alla l\u00e5ngivare p\u00e5 Financer.com. Genom att s\u00f6ka p\u00e5 f\u00f6retagsnamnet h\u00f6gst upp till h\u00f6ger p\u00e5 sidan f\u00e5r du en komplett recension av alla de f\u00f6retag vi samarbetar med.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_4\">Steg 4<\/div><div class=\"single-article__steps-content\"><h3 id=\"Besok-langivarens-hemsida\">Bes\u00f6k l\u00e5ngivarens hemsida<\/h3><p>N\u00e4r du hittat ett passande alternativ: bes\u00f6k l\u00e5nef\u00f6retagets hemsida genom att klicka p\u00e5 den bl\u00e5 knappen till h\u00f6ger i tabellen.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_5\">Steg 5<\/div><div class=\"single-article__steps-content\"><h3 id=\"Ange-personuppgifter\">Ange personuppgifter<\/h3><p>Fyll i alla dina personuppgifter s\u00e5som namn, e-postadress, syssels\u00e4ttning, inkomst etc. Signera ans\u00f6kan med BankID.<\/p><\/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><p>L\u00e5ngivaren h\u00f6r av sig till dig inom kort. De kan antingen acceptera ans\u00f6kan, avsl\u00e5 den eller beg\u00e4ra in fler uppgifter<\/p>\n<p>Om du f\u00e5r ett l\u00e5neerbjudande \u00e4r det viktigt att du l\u00e4ser igenom villkoren noga innan du signerar avtalet.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_7\">Steg 7<\/div><div class=\"single-article__steps-content\"><h3 id=\"Pengarna-pa-kontot\">Pengarna p\u00e5 kontot<\/h3><p>L\u00e5net betalas ut, oftast inom 1-5 bankdagar.<\/p><\/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-inverted is-outlined is-medium is-arrow\" target=\"_self\"  >B\u00e4sta l\u00e5n p\u00e5 500 000 kr<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"i3_populra_lngivare_som_erbjuder_ln_p_500_000_kronor\">3 popul\u00e4ra l\u00e5ngivare som erbjuder l\u00e5n p\u00e5 500 000 kronor<\/h2>\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>783<\/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\/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;892<\/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 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\/sambla\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-1-3.png\" class=\"attachment-full size-full\" alt=\"\" \/><\/a><span class=\"items-content__card-chosen\">Valdes <strong>2&nbsp;991<\/strong> g\u00e5nger<\/span><ul class=\"items-content__card-list\"><li >Specialister p\u00e5 samlingsl\u00e5n<\/li><li >Samarbetar med \u00f6ver 40 l\u00e5ngivare<\/li><li >Ans\u00f6kan online p\u00e5 bara 2 minuter<\/li><li >Gratis tj\u00e4nst<\/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\/sambla\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"14741\" 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\/sambla\/\"  class=\"button is-rounded items-content__card-more-info\">Om f\u00f6retaget<\/a><a href=\"https:\/\/financer.se\/foretag\/sambla\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\">F\u00f6retagsbetyg:<\/div><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"3\">3.0<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e4s&nbsp;<a href=\"https:\/\/financer.se\/foretag\/sambla\/#read-reviews\">21<\/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. Sambla 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                <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=\"Vad_kostar_det_att_lna_500_000\">Vad kostar det att l\u00e5na 500 000?<\/h2>\n\n\n\n<p>Vad m\u00e5nadskostnaden f\u00f6r ett l\u00e5n p\u00e5 500 000 kr blir beror p\u00e5 r\u00e4nta, \u00e5terbetalningstid samt \u00f6vriga avgifter.<\/p>\n\n\n\n<p>I tabellen l\u00e4ngre ner ser du m\u00e5nadskostnaden f\u00f6r ett l\u00e5n p\u00e5 500 000 kr med en l\u00f6ptid p\u00e5 10 \u00e5r med olika h\u00f6g r\u00e4nta.<\/p>\n\n\n\n<ul>\n<li>Inga \u00f6vriga avgifter \u00e4r med i exemplet (bara r\u00e4nta)<\/li>\n\n\n\n<li>M\u00e5nadskostnaden \u00e4r f\u00f6r ett\u00a0<a href=\"https:\/\/financer.se\/wiki\/annuitetslan\/\">annuitetsl\u00e5n<\/a>\u00a0(d\u00e4r samma summa ska \u00e5terbetalas varje m\u00e5nad)<\/li>\n\n\n\n<li>Ett l\u00e5n med rak\u00a0<a href=\"https:\/\/financer.se\/wiki\/amortering\/\">amortering<\/a>\u00a0inneb\u00e4r att m\u00e5nadskostnaden blir l\u00e4gre f\u00f6r varje m\u00e5nad<\/li>\n<\/ul>\n\n\n<h2 id=\"tablepress-4-name\" class=\"tablepress-table-name tablepress-table-name-id-4\">Exempel: kostnad f\u00f6r att l\u00e5na 500 000 kr<\/h2>\n\n<table id=\"tablepress-4\" class=\"tablepress tablepress-id-4 tablepress-responsive\" aria-labelledby=\"tablepress-4-name\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">R\u00e4nta<\/th><th class=\"column-2\">Uppl\u00e4ggningsavgift\/fast m\u00e5nadskostnad<\/th><th class=\"column-3\">L\u00f6ptid<\/th><th class=\"column-4\">Kostnad vid rak amortering<\/th><th class=\"column-5\">Kostnad vid annuitetsl\u00e5n<\/th><th class=\"column-6\">M\u00e5nadskostnad (annuitetsl\u00e5n)<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">2 %<\/td><td class=\"column-2\">0 kr<\/td><td class=\"column-3\">10 \u00e5r<\/td><td class=\"column-4\">50 420 kr<\/td><td class=\"column-5\">52 079 kr<\/td><td class=\"column-6\">4 601 kr<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">3 %<\/td><td class=\"column-2\">0 kr<\/td><td class=\"column-3\">10 \u00e5r<\/td><td class=\"column-4\">75 620 kr<\/td><td class=\"column-5\">79 364 kr<\/td><td class=\"column-6\">4 828 kr<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">4 %<\/td><td class=\"column-2\">0 kr<\/td><td class=\"column-3\">10 \u00e5r<\/td><td class=\"column-4\">100 830 kr<\/td><td class=\"column-5\">107 471 kr<\/td><td class=\"column-6\">5 062 kr<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">5 %<\/td><td class=\"column-2\">0 kr<\/td><td class=\"column-3\">10 \u00e5r<\/td><td class=\"column-4\">126 040 kr<\/td><td class=\"column-5\">136 394 kr<\/td><td class=\"column-6\">5 303 kr<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\">6 %<\/td><td class=\"column-2\">0 kr<\/td><td class=\"column-3\">10 \u00e5r<\/td><td class=\"column-4\">151 250 kr<\/td><td class=\"column-5\">166 123 kr<\/td><td class=\"column-6\">5 551 kr<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\">7 %<\/td><td class=\"column-2\">0 kr<\/td><td class=\"column-3\">10 \u00e5r<\/td><td class=\"column-4\">176 460 kr<\/td><td class=\"column-5\">196 651 kr<\/td><td class=\"column-6\">5 805 kr<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-4 from cache -->\n\n\n<h2 class=\"wp-block-heading\" id=\"Krav_fr_ln_p_500_000_kr\">Krav f\u00f6r l\u00e5n p\u00e5 500 000 kr<\/h2>\n\n\n\n<p>Kraven f\u00f6r l\u00e5n p\u00e5 500 000 kr \u00e4r i huvudsak samma hos alla l\u00e5ngivare. Dock kan det finnas vissa mindre skillnader.<\/p>\n\n\n\n<p><a href=\"https:\/\/financer.se\/foretag\/advisa\/\">Advisa\u00a0<\/a>st\u00e4ller dessa krav p\u00e5 l\u00e5n om 500 000 kr utan s\u00e4kerhet:<\/p>\n\n\n\n<ul>\n<li>Vara minst 18 \u00e5r<\/li>\n\n\n\n<li>Ha en m\u00e5nadsinkomst p\u00e5 minst 10 000 kr<\/li>\n\n\n\n<li>Inga skulder hos Kronofogden<\/li>\n<\/ul>\n\n\n\n<p>\u00c4ven om du uppfyller dessa krav \u00e4r det inte s\u00e4kert att Advisa beviljar ett s\u00e5 stort l\u00e5n, de g\u00f6r en individuell bed\u00f6mning p\u00e5 alla sina kunder.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Lna_500_000_kr_fr_att_samla_ihop_befintliga_ln\">L\u00e5na 500 000 kr f\u00f6r att samla ihop befintliga l\u00e5n<\/h2>\n\n\n\n<p>Om du har flera mindre l\u00e5n kan det l\u00f6na sig att ta ett st\u00f6rre l\u00e5n p\u00e5 500 000 kr och sedan \u00e5terbetala alla mindre l\u00e5n.<\/p>\n\n\n\n<p>P\u00e5 s\u00e5 s\u00e4tt f\u00e5r du ner m\u00e5nadskostnaderna och f\u00e5r b\u00e4ttre koll p\u00e5 din ekonomi eftersom du bara har ett l\u00e5n att \u00e5terbetala.<\/p>\n\n\n\n<p>L\u00e4s mer om\u00a0<a href=\"https:\/\/financer.se\/lana-pengar\/samla-lan\/\">samlingsl\u00e5n h\u00e4r.<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Vad_gr_jag_om_lnefretaget_inte_beviljar_min_anskan\">Vad g\u00f6r jag om l\u00e5nef\u00f6retaget inte beviljar min ans\u00f6kan?<\/h2>\n\n\n\n<p>Om l\u00e5nef\u00f6retaget inte godk\u00e4nner din ans\u00f6kan beror det p\u00e5 att din ekonomiska situation \u00e4r f\u00f6r d\u00e5lig.<\/p>\n\n\n\n<p>Banken vill k\u00e4nna sig s\u00e4ker p\u00e5 att du kan \u00e5terbetala l\u00e5net. G\u00f6r de inte det kommer de inte bevilja dig l\u00e5net.<\/p>\n\n\n\n<p><strong>N\u00e5gra saker du kan g\u00f6ra f\u00f6r att f\u00f6rb\u00e4ttra dina chanser \u00e4r:<\/strong><\/p>\n\n\n\n<ul>\n<li>Se \u00f6ver din ekonomi och dra ner p\u00e5 on\u00f6diga kostnader<\/li>\n\n\n\n<li>F\u00f6rs\u00f6k att f\u00e5 en h\u00f6gre inkomst genom att\u00a0<a href=\"https:\/\/financer.se\/ekonomiskolan\/loneforhandling\/\">f\u00f6rhandla upp l\u00f6nen<\/a><\/li>\n\n\n\n<li>Ans\u00f6k med en\u00a0<a href=\"https:\/\/financer.se\/wiki\/medsokande-lan\/\">meds\u00f6kande<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"i4_saker_att_tnka_p_nr_du_tar_ett_privatln_p_500_000_kr\">4 saker att t\u00e4nka p\u00e5 n\u00e4r du tar ett privatl\u00e5n p\u00e5 500 000 kr<\/h2>\n\n\n\n<p>Ett l\u00e5n p\u00e5 500 000 kr \u00e4r ett stort l\u00e5n. D\u00e4rf\u00f6r \u00e4r det viktigt att veta vad man ger sig in p\u00e5 innan man signerar l\u00e5neavtalet.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i1_Rkna_p_rntan\">1. R\u00e4kna p\u00e5 r\u00e4ntan<\/h3>\n\n\n\n<p>R\u00e4ntan \u00e4r den st\u00f6rsta och viktigaste kostnaden. H\u00e4r g\u00e4ller det att hitta s\u00e5 l\u00e5g r\u00e4nta som m\u00f6jligt eftersom olika l\u00e5ngivare erbjuder olika r\u00e4nta.<\/p>\n\n\n\n<p>Ju b\u00e4ttre din ekonomi \u00e4r (h\u00f6g inkomst, l\u00e5ga kostnader, inga betalningsanm\u00e4rkningar) ju l\u00e4gre r\u00e4nta f\u00e5r du.<\/p>\n\n\n\n<p><strong>St\u00e4ll ocks\u00e5 l\u00e5ngivare mot varandra innan du v\u00e4ljer alternativ.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i2_Anvnd_lnefrmedlare\">2. Anv\u00e4nd l\u00e5nef\u00f6rmedlare<\/h3>\n\n\n\n<p>Med en\u00a0<a href=\"https:\/\/financer.se\/lana-pengar\/laneformedlare\/\">l\u00e5nef\u00f6rmedlare<\/a>\u00a0g\u00f6r du bara en ans\u00f6kan men f\u00e5r svar fr\u00e5n flera banker och l\u00e5ngivare samtidigt (med bara en kreditupplysning).\u00a0<\/p>\n\n\n\n<p><strong>Detta sparar du mycket tid p\u00e5!<\/strong><\/p>\n\n\n\n<p>D\u00e4remot har l\u00e5nef\u00f6rmedlare ett visst antal samarbetspartners &#8211; r\u00e4kna d\u00e4rf\u00f6r inte med att du f\u00e5r erbjudanden hos alla banker om du g\u00e5r via en l\u00e5nef\u00f6remedlare.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i3_Vlj_rtt_terbetalningstid\">3. V\u00e4lj r\u00e4tt \u00e5terbetalningstid<\/h3>\n\n\n\n<p>\u00c5terbetalningstiden \u00e4r viktig, speciellt f\u00f6r ett s\u00e5 stort l\u00e5n som p\u00e5 en halv miljon kronor.<\/p>\n\n\n\n<p>F\u00f6rdelen med en l\u00e5ng \u00e5terbetalningstid \u00e4r att m\u00e5nadskostnaden blir l\u00e4gre och du l\u00f6per mindre risk att missa en m\u00e5nadsbetalning.<\/p>\n\n\n\n<p>F\u00f6rdelen med en kort \u00e5terbetalningstid \u00e4r att du blir av med l\u00e5net snabbare samt att den totala kostnaden f\u00f6r l\u00e5net blir l\u00e4gre.<\/p>\n\n\n\n<p><strong>V\u00e4lj en \u00e5terbetalningstid som \u00e4r realistisk och som passar din ekonomiska situation.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i4_Sist_men_inte_minst_rkna_med_ofrutsedda_hndelser\">4. Sist men inte minst: r\u00e4kna med of\u00f6rutsedda h\u00e4ndelser<\/h3>\n\n\n\n<p>Of\u00f6rutsedda h\u00e4ndelser i livet uppst\u00e5r alltid. En f\u00f6rlorad inkomst, of\u00f6rutsedda akuta kostnader och f\u00f6r\u00e4ndringar i familjesituationen \u00e4r saker man b\u00f6r r\u00e4kna med kan komma att ske.<\/p>\n\n\n\n<p>R\u00e4kna d\u00e4rf\u00f6r med of\u00f6rutsedda h\u00e4ndelser n\u00e4r du l\u00e4gger upp l\u00e5net och ha med en ekonomisk marginal i din kalkyl.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Jmfr_ln_p_500_000_kr_p_Financercom\">J\u00e4mf\u00f6r l\u00e5n p\u00e5 500 000 kr p\u00e5 Financer.com<\/h2>\n\n\n\n<p>Hos Financer.com j\u00e4mf\u00f6r du enkelt och snabbt olika erbjudanden f\u00f6r att hitta b\u00e4sta l\u00e5n p\u00e5 500 000 kr.<\/p>\n\n\n\n<p>Vi samarbetar med de flesta svenska banker och l\u00e5ngivare som erbjuder l\u00e5n p\u00e5 en halv miljon kronor.<\/p>\n\n\n\n<p>V\u00e5r j\u00e4mf\u00f6relsetj\u00e4nst \u00e4r helt kostnadsfri med m\u00e5let att du ska hitta b\u00e4sta l\u00e5n och i s\u00e5 h\u00f6g grad m\u00f6jligt slippa beh\u00f6va betala h\u00f6ga avgifter.<\/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-large is-fullwidth\" target=\"_self\"  >8 l\u00e5n p\u00e5 500 000 kr<\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>J\u00e4mf\u00f6r b\u00e4sta l\u00e5n p\u00e5 500 000 kr utan s\u00e4kerhet Vilket \u00e4r det b\u00e4sta och billigaste l\u00e5net om jag beh\u00f6ver l\u00e5na\u2026 <\/p>\n","protected":false},"author":7033,"featured_media":79527,"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":[56,57],"_links":{"self":[{"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages\/9523"}],"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=9523"}],"version-history":[{"count":50,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages\/9523\/revisions"}],"predecessor-version":[{"id":76741,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages\/9523\/revisions\/76741"}],"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\/79527"}],"wp:attachment":[{"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/media?parent=9523"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/categories?post=9523"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/tags?post=9523"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}