{"id":4393,"date":"2011-04-27T16:51:49","date_gmt":"2011-04-27T16:51:49","guid":{"rendered":"http:\/\/xn--lne-ula.priv.no\/?p=4393"},"modified":"2018-09-09T23:11:33","modified_gmt":"2018-09-09T21:11:33","slug":"en-oppklaring-om-lan","status":"publish","type":"post","link":"https:\/\/www.webforumet.no\/finans\/en-oppklaring-om-lan\/","title":{"rendered":"En oppklaring om l\u00e5n"},"content":{"rendered":"

Finanskrisen er en kredittkontraksjon. Det betyr at bankene ikke l\u00e5ner ut flere penger, dermed vokser ikke pengemengden lenger. N\u00e5r pengemengden ikke vokser lenger, s\u00e5 betaler en haug av l\u00e5netagere ned p\u00e5 l\u00e5nene sine. Etterhvert som disse l\u00e5netagerne betaler ned p\u00e5 l\u00e5nene, s\u00e5 forsvinner penger ut av pengemengden.<\/p>\n

Du \u00f8nsker \u00e5 kj\u00f8pe bolig. For \u00e5 f\u00e5 kj\u00f8pt den \u00f8nsker du 2 mill i l\u00e5n<\/a>. Hvis banken sitter p\u00e5 2 hundre tusen kroner i «high powered money» fra staten, s\u00e5 skapes det 2 mill kr ekstra i pengemengden idet du f\u00e5r disse pengene inn p\u00e5 din konto.<\/p>\n

Banken kan nekte \u00e5 gi deg l\u00e5net, for hva er l\u00e5net? L\u00e5net er ditt l\u00f8fte om \u00e5 betale tilbake pengene med din fremtidige produksjon. Hvis bankene tviler p\u00e5 at du vil klare \u00e5 betale tilbake, s\u00e5 vil de nekte deg \u00e5 ta l\u00e5net, fordi de m\u00e5 betale det for deg, dersom du ikke klarer det.<\/p>\n

Hvis du l\u00e5ner 2 mill, s\u00e5 kommer 2 mill inn i pengemengden. Hvis du skal betale tilbake disse p\u00e5 30 \u00e5r, s\u00e5 betaler du feks tilbake 2 mill + 1,5 mill i renter. Rentene finnes ikke. Dermed m\u00e5 du n\u00f8dt til \u00e5 tjene penger som andre banker har l\u00e5nt ut til andre, for \u00e5 klare \u00e5 innfri dine forpliktelser.<\/p>\n

Dette forutsetter at pengemengen vokser hele tiden. Det som skjer n\u00e5, er at pengemengden ikke lenger vokser. En av grunnene er at folk ikke vil ha mer l\u00e5n.<\/p>\n

Bankene vil ikke l\u00e5ne til hverandre, fordi de ikke har tillit til systemet lenger. Hvis bank A skal gi et l\u00e5n til bank B, s\u00e5 vil bank A v\u00e6re sikker p\u00e5 at bank B kan betale tilbake l\u00e5net.<\/p>\n

Hvis bank B har l\u00e5nt ut for mye penger i forhold til sikkerheten de har, s\u00e5 st\u00e5r de i fare for \u00e5 g\u00e5 konkurs. F\u00f8lgelig vil ikke bank A l\u00e5ne til B, fordi A m\u00e5 dekke tapet, dersom B g\u00e5r konkurs.<\/p>\n

Bankene l\u00e5ner penger av hverandre, blant annet fordi de da f\u00e5r likvid kapital. Men de norske bankene p\u00e5 det norske markedet har p\u00e5 ingen m\u00e5te noe \u00f8nske om \u00e5 gj\u00f8re det vanskelig for norske kunder \u00e5 f\u00e5 l\u00e5n, og n\u00e5 som vi tross alt har kommet oss ut av finanskrisen med hodet hevet, s\u00e5 er det store muligheter for \u00e5 kunne l\u00e5ne mye om du har lyst til det.<\/p>\n","protected":false},"excerpt":{"rendered":"

Finanskrisen er en kredittkontraksjon. Det betyr at bankene ikke l\u00e5ner ut flere penger, dermed vokser ikke pengemengden lenger. N\u00e5r pengemengden ikke vokser lenger, s\u00e5 betaler en haug av l\u00e5netagere ned p\u00e5 l\u00e5nene sine. Etterhvert som disse l\u00e5netagerne betaler ned p\u00e5 l\u00e5nene, s\u00e5 forsvinner penger ut av pengemengden. Du \u00f8nsker \u00e5 kj\u00f8pe bolig. For \u00e5 f\u00e5 […]<\/p>\n","protected":false},"author":2,"featured_media":163,"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],"tags":[],"class_list":["post-4393","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lan"],"yoast_head":"\nEn oppklaring om l\u00e5n » 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\/en-oppklaring-om-lan\/\" \/>\n<meta property=\"og:locale\" content=\"nb_NO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"En oppklaring om l\u00e5n » WF Finans\" \/>\n<meta property=\"og:description\" content=\"Finanskrisen er en kredittkontraksjon. Det betyr at bankene ikke l\u00e5ner ut flere penger, dermed vokser ikke pengemengden lenger. N\u00e5r pengemengden ikke vokser lenger, s\u00e5 betaler en haug av l\u00e5netagere ned p\u00e5 l\u00e5nene sine. Etterhvert som disse l\u00e5netagerne betaler ned p\u00e5 l\u00e5nene, s\u00e5 forsvinner penger ut av pengemengden. Du \u00f8nsker \u00e5 kj\u00f8pe bolig. For \u00e5 f\u00e5 […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.webforumet.no\/finans\/en-oppklaring-om-lan\/\" \/>\n<meta property=\"og:site_name\" content=\"WF Finans\" \/>\n<meta property=\"article:published_time\" content=\"2011-04-27T16:51:49+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-09-09T21:11:33+00:00\" \/>\n<meta name=\"author\" content=\"admin3\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Skrevet av\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin3\" \/>\n\t<meta name=\"twitter:label2\" content=\"Ansl. lesetid\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutter\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/en-oppklaring-om-lan\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/en-oppklaring-om-lan\\\/\"},\"author\":{\"name\":\"admin3\",\"@id\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/#\\\/schema\\\/person\\\/772e8a24610a98ede823a0fdd3db11cf\"},\"headline\":\"En oppklaring om l\u00e5n\",\"datePublished\":\"2011-04-27T16:51:49+00:00\",\"dateModified\":\"2018-09-09T21:11:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/en-oppklaring-om-lan\\\/\"},\"wordCount\":402,\"image\":{\"@id\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/en-oppklaring-om-lan\\\/#primaryimage\"},\"thumbnailUrl\":\"\",\"articleSection\":[\"L\u00e5n\"],\"inLanguage\":\"nb-NO\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/en-oppklaring-om-lan\\\/\",\"url\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/en-oppklaring-om-lan\\\/\",\"name\":\"En oppklaring om l\u00e5n » WF Finans\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/en-oppklaring-om-lan\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/en-oppklaring-om-lan\\\/#primaryimage\"},\"thumbnailUrl\":\"\",\"datePublished\":\"2011-04-27T16:51:49+00:00\",\"dateModified\":\"2018-09-09T21:11:33+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/#\\\/schema\\\/person\\\/772e8a24610a98ede823a0fdd3db11cf\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/en-oppklaring-om-lan\\\/#breadcrumb\"},\"inLanguage\":\"nb-NO\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/en-oppklaring-om-lan\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"nb-NO\",\"@id\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/en-oppklaring-om-lan\\\/#primaryimage\",\"url\":\"\",\"contentUrl\":\"\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/en-oppklaring-om-lan\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Hjem\",\"item\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"En oppklaring om l\u00e5n\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/#website\",\"url\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/\",\"name\":\"WF Finans\",\"description\":\"Finansnyheter\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"nb-NO\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/#\\\/schema\\\/person\\\/772e8a24610a98ede823a0fdd3db11cf\",\"name\":\"admin3\",\"url\":\"https:\\\/\\\/www.webforumet.no\\\/finans\\\/author\\\/admin3\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"En oppklaring om l\u00e5n » WF Finans","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.webforumet.no\/finans\/en-oppklaring-om-lan\/","og_locale":"nb_NO","og_type":"article","og_title":"En oppklaring om l\u00e5n » WF Finans","og_description":"Finanskrisen er en kredittkontraksjon. Det betyr at bankene ikke l\u00e5ner ut flere penger, dermed vokser ikke pengemengden lenger. N\u00e5r pengemengden ikke vokser lenger, s\u00e5 betaler en haug av l\u00e5netagere ned p\u00e5 l\u00e5nene sine. Etterhvert som disse l\u00e5netagerne betaler ned p\u00e5 l\u00e5nene, s\u00e5 forsvinner penger ut av pengemengden. Du \u00f8nsker \u00e5 kj\u00f8pe bolig. For \u00e5 f\u00e5 […]","og_url":"https:\/\/www.webforumet.no\/finans\/en-oppklaring-om-lan\/","og_site_name":"WF Finans","article_published_time":"2011-04-27T16:51:49+00:00","article_modified_time":"2018-09-09T21:11:33+00:00","author":"admin3","twitter_card":"summary_large_image","twitter_misc":{"Skrevet av":"admin3","Ansl. lesetid":"2 minutter"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.webforumet.no\/finans\/en-oppklaring-om-lan\/#article","isPartOf":{"@id":"https:\/\/www.webforumet.no\/finans\/en-oppklaring-om-lan\/"},"author":{"name":"admin3","@id":"https:\/\/www.webforumet.no\/finans\/#\/schema\/person\/772e8a24610a98ede823a0fdd3db11cf"},"headline":"En oppklaring om l\u00e5n","datePublished":"2011-04-27T16:51:49+00:00","dateModified":"2018-09-09T21:11:33+00:00","mainEntityOfPage":{"@id":"https:\/\/www.webforumet.no\/finans\/en-oppklaring-om-lan\/"},"wordCount":402,"image":{"@id":"https:\/\/www.webforumet.no\/finans\/en-oppklaring-om-lan\/#primaryimage"},"thumbnailUrl":"","articleSection":["L\u00e5n"],"inLanguage":"nb-NO"},{"@type":"WebPage","@id":"https:\/\/www.webforumet.no\/finans\/en-oppklaring-om-lan\/","url":"https:\/\/www.webforumet.no\/finans\/en-oppklaring-om-lan\/","name":"En oppklaring om l\u00e5n » WF Finans","isPartOf":{"@id":"https:\/\/www.webforumet.no\/finans\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.webforumet.no\/finans\/en-oppklaring-om-lan\/#primaryimage"},"image":{"@id":"https:\/\/www.webforumet.no\/finans\/en-oppklaring-om-lan\/#primaryimage"},"thumbnailUrl":"","datePublished":"2011-04-27T16:51:49+00:00","dateModified":"2018-09-09T21:11:33+00:00","author":{"@id":"https:\/\/www.webforumet.no\/finans\/#\/schema\/person\/772e8a24610a98ede823a0fdd3db11cf"},"breadcrumb":{"@id":"https:\/\/www.webforumet.no\/finans\/en-oppklaring-om-lan\/#breadcrumb"},"inLanguage":"nb-NO","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.webforumet.no\/finans\/en-oppklaring-om-lan\/"]}]},{"@type":"ImageObject","inLanguage":"nb-NO","@id":"https:\/\/www.webforumet.no\/finans\/en-oppklaring-om-lan\/#primaryimage","url":"","contentUrl":""},{"@type":"BreadcrumbList","@id":"https:\/\/www.webforumet.no\/finans\/en-oppklaring-om-lan\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Hjem","item":"https:\/\/www.webforumet.no\/finans\/"},{"@type":"ListItem","position":2,"name":"En oppklaring om l\u00e5n"}]},{"@type":"WebSite","@id":"https:\/\/www.webforumet.no\/finans\/#website","url":"https:\/\/www.webforumet.no\/finans\/","name":"WF Finans","description":"Finansnyheter","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.webforumet.no\/finans\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"nb-NO"},{"@type":"Person","@id":"https:\/\/www.webforumet.no\/finans\/#\/schema\/person\/772e8a24610a98ede823a0fdd3db11cf","name":"admin3","url":"https:\/\/www.webforumet.no\/finans\/author\/admin3\/"}]}},"_links":{"self":[{"href":"https:\/\/www.webforumet.no\/finans\/wp-json\/wp\/v2\/posts\/4393","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.webforumet.no\/finans\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.webforumet.no\/finans\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.webforumet.no\/finans\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.webforumet.no\/finans\/wp-json\/wp\/v2\/comments?post=4393"}],"version-history":[{"count":1,"href":"https:\/\/www.webforumet.no\/finans\/wp-json\/wp\/v2\/posts\/4393\/revisions"}],"predecessor-version":[{"id":13358,"href":"https:\/\/www.webforumet.no\/finans\/wp-json\/wp\/v2\/posts\/4393\/revisions\/13358"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.webforumet.no\/finans\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/www.webforumet.no\/finans\/wp-json\/wp\/v2\/media?parent=4393"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.webforumet.no\/finans\/wp-json\/wp\/v2\/categories?post=4393"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.webforumet.no\/finans\/wp-json\/wp\/v2\/tags?post=4393"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}