{"id":4979,"date":"2011-05-26T17:49:51","date_gmt":"2011-05-26T17:49:51","guid":{"rendered":"http:\/\/xn--lne-ula.priv.no\/?p=4979"},"modified":"2018-09-09T23:12:12","modified_gmt":"2018-09-09T21:12:12","slug":"lan-og-renter-en-oppklaring","status":"publish","type":"post","link":"https:\/\/www.webforumet.no\/finans\/lan-og-renter-en-oppklaring\/","title":{"rendered":"L\u00e5n og renter \u2013 en oppklaring"},"content":{"rendered":"<p>N\u00e5r du skal ta opp et l\u00e5n, s\u00e5 m\u00e5 du ta hensyn til en del begreper som regulerer hvor nyttig dette l\u00e5net er rent \u00f8konomisk. Rente er en slik ting. Tilbakebetalingstid er en annen.<\/p>\n<p>Rente er den prosentsatsen av l\u00e5nebel\u00f8pet som du m\u00e5 regne med \u00e5 betale tilbake til banken for \u00e5 f\u00e5 lov til \u00e5 l\u00e5ne penger hos akkurat den banken. Og renten er veldig forskjellig p\u00e5 de ulike <a href=\"http:\/\/xn--lne-ula.priv.no\">l\u00e5netypene<\/a> (forbruksl\u00e5n, bill\u00e5n og husl\u00e5n feks).<\/p>\n<p>P\u00e5 forbruksl\u00e5n ligger renten noe h\u00f8yere enn p\u00e5 bill\u00e5n, rett og slett fordi du ikke har noe \u00e5 sette i sikkerhet \u2013 og at det ikke er noe krav til hva du bruker pengene til. P\u00e5 slike l\u00e5n m\u00e5 man regne med \u00e5 betale litt penger for \u00e5 f\u00e5 l\u00e5ne.<\/p>\n<p>Har du ogs\u00e5 en bank der du samler alle l\u00e5nene dine, s\u00e5 vil du v\u00e6re i stand til \u00e5 forhandle med banken n\u00e5r du skal ta opp st\u00f8rre l\u00e5n. Det viser seg at lojalitet er noe av det banken setter aller h\u00f8yest n\u00e5r de skal vurdere l\u00e5n \u2013 i tillegg til at man har et plettfritt ark med betalingsanmerkninger naturligvis.<\/p>\n<p>Nominell er vel den andre du tenker p\u00e5, og de vil vel si 9.23% nominell rente og 12,33% effektiv. Det er den effektive renten som er viktig, den inkludere alle avgifter og bonus du m\u00e5 betale mens nominell rente er den renten du m\u00e5 betale for det du i utgangspunktet skulle l\u00e5ne.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>N\u00e5r du skal ta opp et l\u00e5n, s\u00e5 m\u00e5 du ta hensyn til en del begreper som regulerer hvor nyttig dette l\u00e5net er rent \u00f8konomisk. Rente er en slik ting. Tilbakebetalingstid er en annen. Rente er den prosentsatsen av l\u00e5nebel\u00f8pet som du m\u00e5 regne med \u00e5 betale tilbake til banken for \u00e5 f\u00e5 lov til [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":157,"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":[16,21],"tags":[],"class_list":["post-4979","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lan","category-renter"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>L\u00e5n og renter \u2013 en oppklaring &#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\/lan-og-renter-en-oppklaring\/\" \/>\n<meta property=\"og:locale\" content=\"nb_NO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L\u00e5n og renter \u2013 en oppklaring &#187; WF Finans\" \/>\n<meta property=\"og:description\" content=\"N\u00e5r du skal ta opp et l\u00e5n, s\u00e5 m\u00e5 du ta hensyn til en del begreper som regulerer hvor nyttig dette l\u00e5net er rent \u00f8konomisk. 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