{"id":1602,"date":"2009-01-05T16:41:16","date_gmt":"2009-01-05T16:41:16","guid":{"rendered":"http:\/\/xn--lne-ula.priv.no\/?p=1602"},"modified":"2018-09-09T23:10:15","modified_gmt":"2018-09-09T21:10:15","slug":"effektiv-rente","status":"publish","type":"post","link":"https:\/\/www.webforumet.no\/finans\/effektiv-rente\/","title":{"rendered":"Effektiv Rente"},"content":{"rendered":"<p>Effektiv rente er den totale kredittkostnaden angitt som en \u00e5rlig rente p\u00e5 l\u00e5nebel\u00f8pet. Kredittkostnaden er summen renten, legg til \u00f8vrige kostnader for et l\u00e5n. Rente kan beregnes p\u00e5 ulike m\u00e5ter og ogs\u00e5 uten avgifter kan renten skille seg fra den effektive renten. Betaler du for eksempel p\u00e5 et l\u00e5n flere ganger per \u00e5r slik skyter en rente p\u00e5 rente effekt inn. Jo flere inbetalninganledninger &#8211; desto h\u00f8yere rente Eksempel: Kalle kj\u00f8per en persisk matte for 5000 kr p\u00e5 kreditt. Han f\u00e5r en m\u00e5nedsrente p\u00e5 1 prosent av kredittgivaren sin. En m\u00e5ned senere f\u00e5r<br \/>\nKalle en regning fra kredittgiveren, Kalles kapitalgjeld er n\u00e5 5050 kr ettersom renten har p\u00e5f\u00f8rt. Kalle velger \u00e5 delbetale gjelden og betaler 200 kr til kredittgivaren, skylden hans er n\u00e5 4850 kr.. Neste m\u00e5ned f\u00e5r Kalle en ny rente p\u00e5f\u00f8rt med 48,50 kr.. Ettersom Kalle fortsetter \u00e5 delbetale gjelden slik kommer den effektive renten \u00e5 stige for ham. N\u00e5r totale kostnader regnes sammen kommer Kalle alts\u00e5 \u00e5 ha betalt mer enn 1 prosent av kredittbel\u00f8pet i rente, gjennom rente &#8211; p\u00e5 &#8211; rente &#8211; effekter. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Effektiv rente er den totale kredittkostnaden angitt som en \u00e5rlig rente p\u00e5 l\u00e5nebel\u00f8pet. Kredittkostnaden er summen renten, legg til \u00f8vrige kostnader for et l\u00e5n. Rente kan beregnes p\u00e5 ulike m\u00e5ter og ogs\u00e5 uten avgifter kan renten skille seg fra den effektive renten. Betaler du for eksempel p\u00e5 et l\u00e5n flere ganger per \u00e5r slik skyter [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[21],"tags":[55,214,193],"class_list":["post-1602","post","type-post","status-publish","format-standard","hentry","category-renter","tag-effektiv-rente","tag-gjeld","tag-kreditt"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Effektiv Rente &#187; WF Finans<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.webforumet.no\/finans\/effektiv-rente\/\" \/>\n<meta property=\"og:locale\" content=\"nb_NO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Effektiv Rente &#187; WF Finans\" \/>\n<meta property=\"og:description\" content=\"Effektiv rente er den totale kredittkostnaden angitt som en \u00e5rlig rente p\u00e5 l\u00e5nebel\u00f8pet. 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