{"id":4181,"date":"2011-03-16T14:56:26","date_gmt":"2011-03-16T14:56:26","guid":{"rendered":"http:\/\/xn--lne-ula.priv.no\/?p=4181"},"modified":"2018-09-09T23:11:35","modified_gmt":"2018-09-09T21:11:35","slug":"derfor-er-det-farlig-a-lane-for-mye","status":"publish","type":"post","link":"https:\/\/www.webforumet.no\/finans\/derfor-er-det-farlig-a-lane-for-mye\/","title":{"rendered":"Derfor er det farlig \u00e5 l\u00e5ne for mye"},"content":{"rendered":"<p>Det \u00e5 l\u00e5ne penger er ofte veldig gunstig i enkelte situasjoner. Skal man finansiere st\u00f8rre prosjekter som hus, bil eller leilighet blir man ofte n\u00f8dt til \u00e5 sp\u00f8rre banken om man kan ta opp l\u00e5n som man tilbakebetaler senere. Men flere og flere g\u00e5r i fellen ved \u00e5 ta opp for mange forskjellige l\u00e5n, og ender opp med h\u00f8ye renter og vanskelige tilbakebetalingsvilk\u00e5r.<\/p>\n<p>Jo flere l\u00e5n du har, jo st\u00f8rre rente blir du n\u00f8dt til \u00e5 betale til banken. Noen l\u00e5n er sv\u00e6rt gunstige \u00e5 ha (feks studiel\u00e5n), mens andre igjen t\u00e6rer p\u00e5 \u00f8konomien for hver m\u00e5nede som g\u00e5r (feks forbruksl\u00e5n). For \u00e5 unng\u00e5 \u00e5 komme i en situasjon der man betaler h\u00f8y rente, s\u00e5 er det en del tiltak som kan settes i gang.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-full wp-image-166\" src=\"http:\/\/xn--lne-ula.priv.no\/wp-content\/uploads\/2008\/05\/tom-lomme.jpg\" alt=\"\" width=\"140\" height=\"140\" \/>Aller f\u00f8rst anbefales det \u00e5 ikke ha masse forbruksl\u00e5n- og kredittkortgjeld i mange forskjellige banker. Grunnen til at man b\u00f8r benytte de samme bankene om igjen og om igjen er at man ofte kan forhandle seg til en god l\u00f8sning med banken om man har alle l\u00e5nene sine samlet hos dem. G\u00e5r ting litt ut av kontroll enkelte ganger, s\u00e5 er du som regel kun en kort telefonsamtale fra \u00e5 redde deg inn igjen og samle alt l\u00e5net inn i en s\u00e6regen tilbakebetalingsavtale\u00a0 mellom deg og banken.<\/p>\n<p>Punkt nummer to er ganske enkelt og selvforklarende i og med at det g\u00e5r p\u00e5 at man rett og slett ikke skal ta opp l\u00e5n som man ikke har behov for. Greit nok at man kanskje har lyst p\u00e5 en ferietur en gang i blant, men den privat\u00f8konomiske situasjonen b\u00f8r til en hver tid styre forbruket ditt. Du kan jo klikke deg litt rundt p\u00e5 diverse forbruksl\u00e5n og se hvorvidt det er noen som er gunstige til akkurat ditt behov &#8211; for det kan det jo selvf\u00f8lgelig v\u00e6re. Men v\u00e6r p\u00e5passelig med \u00e5 bruke store summer uten helt \u00e5 ha kontroll p\u00e5 hvordan du skal betale det tilbake igjen.<\/p>\n<p>Som et siste og tredje punkt kan vi si at de som ofte l\u00e5ner mye penger uten helt \u00e5 tenke over konsekvensene f\u00e5r et ganske usunt forhold til egen privat\u00f8konomi. Om du bestandig g\u00e5r ut i fra at du har disponible penger som f\u00f8lge av de l\u00e5nte pengene, s\u00e5 vil du slite med \u00e5 innse realiteten p\u00e5 lang sikt. V\u00e5rt tips er alts\u00e5; ikke l\u00e5n s\u00e5 mye penger at du ikke husker at dette faktisk ikke er penger du b\u00f8r gj\u00f8re hva du vil med.<span class=\"wp-decoratr-image\"><br \/> <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Det \u00e5 l\u00e5ne penger er ofte veldig gunstig i enkelte situasjoner. Skal man finansiere st\u00f8rre prosjekter som hus, bil eller leilighet blir man ofte n\u00f8dt til \u00e5 sp\u00f8rre banken om man kan ta opp l\u00e5n som man tilbakebetaler senere. Men flere og flere g\u00e5r i fellen ved \u00e5 ta opp for mange forskjellige l\u00e5n, og [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":166,"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":[16,72],"tags":[178],"class_list":["post-4181","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lan","category-okonomiske-tips","tag-studielan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Derfor er det farlig \u00e5 l\u00e5ne for mye &#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\/derfor-er-det-farlig-a-lane-for-mye\/\" \/>\n<meta property=\"og:locale\" content=\"nb_NO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Derfor er det farlig \u00e5 l\u00e5ne for mye &#187; WF Finans\" \/>\n<meta property=\"og:description\" content=\"Det \u00e5 l\u00e5ne penger er ofte veldig gunstig i enkelte situasjoner. 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