{"id":6175,"date":"2011-11-12T11:08:36","date_gmt":"2011-11-12T10:08:36","guid":{"rendered":"http:\/\/xn--lne-ula.priv.no\/?p=6175"},"modified":"2018-09-09T23:12:36","modified_gmt":"2018-09-09T21:12:36","slug":"beste-bank-for-ungdom","status":"publish","type":"post","link":"https:\/\/www.webforumet.no\/finans\/beste-bank-for-ungdom\/","title":{"rendered":"Beste bank for ungdom"},"content":{"rendered":"

Sp\u00f8rsm\u00e5l:<\/strong><\/p>\n

Jeg er 20 \u00e5r gammel, bor hjemme og \u00f8nsker \u00e5 kj\u00f8pe meg mitt f\u00f8rste hus og da trenger jeg et boligl\u00e5n.
I dag har jeg Nordea som min hovedbank, men dem gir meg bare l\u00e5n p\u00e5 utrolige 1,1 – 1,3 millioner..
Og det f\u00e5r du ikke mye hus for!<\/p>\n

Jeg er en flink sparer og sparer mye penger pr mnd, har god egenkapital og tjener over 400.000kr pr. \u00e5r.
Ingen betalingsanmerkninger osv.<\/p>\n

Derfor lurer jeg p\u00e5 hvilken bank du bruker?
Hvilken bank er best for ungdom?
Har vudert DnB, men \u00f8nser \u00e5 h\u00f8re hva dere mener.<\/p>\n

Det blir jo i hovedsak l\u00e5n og BSU sparing som avgj\u00f8r hvilken bank jeg velger.
Hos DnB fikk jeg l\u00e5n p\u00e5 2 millioner, uten \u00e5 v\u00e6re kunde der! Sendte bare en mail idag og fikk til svar «om jeg ble kunde der fikk jeg l\u00e5n p\u00e5 2 millioner»<\/p>\n

Men vil ikke forhaste meg med \u00e5 velge bank, for Nordea holder ikke m\u00e5l for min del n\u00e5..<\/p>\n

Svar:<\/strong><\/p>\n

Kan v\u00e6re greit \u00e5 ha i bakhodet om at hvis det blir en ny «finanskrise\/depresjon» i forbindelse med Hellas osv, s\u00e5 er det de store bankene som ryker f\u00f8rst. Dog tviler jeg p\u00e5 at det skjer og at vi merker noe s\u00e6rlig til det i Norge.<\/p>\n

Du kan pr\u00f8ve med Fokus bank? Selv har jeg de, og de har v\u00e6rt utrolig hjelpsomme. samt fornuftige for min del. Masse god r\u00e5dgivning.<\/p>\n

Beste tilbudet som er n\u00e5 om dagen er DNBnor’s BLU.
Der f\u00e5r man bra l\u00e5nevilk\u00e5r og beholder vilk\u00e5rene inntil du endrer l\u00e5net etter fylte 34 \u00e5r. Kan ogs\u00e5 annbefale noe som heter BSU 2.0 da man f\u00e5r samme rente som p\u00e5 en BSU konto.
Alle banker bruker forresten sifo.no til \u00e5 finne ut hvor mye hver enkelt kan f\u00e5 i l\u00e5n.<\/p>\n

Husk at
1) Du ikke kan forvente s\u00e5 lave renter som vi har n\u00e5 i all evighet
2) At kommunen du bor i kanskje krever eiendomsskatt, eller kommer til \u00e5 gj\u00f8re det
3) At du trenger hus- og innboforsikring, og at denne blir dyrere jo st\u00f8rre huset er.
4) At du m\u00e5 betale kloakk- og renovasjonavgift mhp st\u00f8rrelse, dersom du ikke har vannm\u00e5ler.
5) At du m\u00e5 fyre om vinteren, og ikke kan la ubrukte rom st\u00e5 kaldt.
6) At et hus krever mer vedlikehold.<\/p>\n

Har du bil, kommer ogs\u00e5 potensielt bill\u00e5n, bilforsikring, vedlikehold av bil, mv. i tillegg.<\/p>\n

Pass deg, hvis banken l\u00e5ner deg for mye, s\u00e5 gj\u00f8r de deg potensielt en bj\u00f8rnetjeneste.<\/p>\n

2mill i l\u00e5n kan fort bli 12-13000kr i mnd uten at renten dobler seg en gang.
Ved feks 8% rente vil terminberl\u00f8pet nerme seg 16000kr. Noe det ikke er s\u00e5\u00e5\u00e5 mange \u00e5r siden vi hadde.<\/p>\n

Sier ikke at du ikke skal l\u00e5ne 2mill, men tenk deg om enda en gang f\u00f8r du setter deg i s\u00e5 stor gjeld alene.
Hvis renten stiger blir det i tilleg vanskelig og f\u00e5 solgt.<\/p>\n","protected":false},"excerpt":{"rendered":"

Sp\u00f8rsm\u00e5l: Jeg er 20 \u00e5r gammel, bor hjemme og \u00f8nsker \u00e5 kj\u00f8pe meg mitt f\u00f8rste hus og da trenger jeg et boligl\u00e5n. I dag har jeg Nordea som min hovedbank, men dem gir meg bare l\u00e5n p\u00e5 utrolige 1,1 – 1,3 millioner.. Og det f\u00e5r du ikke mye hus for! Jeg er en flink sparer […]<\/p>\n","protected":false},"author":2,"featured_media":161,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[282,16],"tags":[],"class_list":["post-6175","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bank","category-lan"],"yoast_head":"\nBeste bank for ungdom » 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\/beste-bank-for-ungdom\/\" \/>\n<meta property=\"og:locale\" content=\"nb_NO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Beste bank for ungdom » WF Finans\" \/>\n<meta property=\"og:description\" content=\"Sp\u00f8rsm\u00e5l: Jeg er 20 \u00e5r gammel, bor hjemme og \u00f8nsker \u00e5 kj\u00f8pe meg mitt f\u00f8rste hus og da trenger jeg et boligl\u00e5n. I dag har jeg Nordea som min hovedbank, men dem gir meg bare l\u00e5n p\u00e5 utrolige 1,1 – 1,3 millioner.. Og det f\u00e5r du ikke mye hus for! 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