{"id":6266,"date":"2011-11-12T18:05:09","date_gmt":"2011-11-12T17:05:09","guid":{"rendered":"http:\/\/xn--lne-ula.priv.no\/?p=6266"},"modified":"2018-09-09T23:12:35","modified_gmt":"2018-09-09T21:12:35","slug":"dette-avgjor-renten-pa-lanet-ditt","status":"publish","type":"post","link":"https:\/\/www.webforumet.no\/finans\/dette-avgjor-renten-pa-lanet-ditt\/","title":{"rendered":"Dette avgj\u00f8r renten p\u00e5 l\u00e5net ditt"},"content":{"rendered":"

Om du tror det er helt \u201drandom\u201d hvilken rente du ender opp med n\u00e5r banken skal velge ut boligl\u00e5nsrente og forbruksl\u00e5nrente <\/a>til deg, s\u00e5 tar du grundig feil. Det er noen faste algoritmer som blir brukt som grunnmur n\u00e5r man skal velge hvilke vilk\u00e5r den hver enkelte l\u00e5netaker skal ha muligheten til \u00e5 f\u00e5. Og vi kan avsl\u00f8re hva som avgj\u00f8r renten p\u00e5 l\u00e5net ditt \u2013 steg for steg.<\/p>\n

1. Utdanning.<\/p>\n

Har man lav utdanning, s\u00e5 vil man ogs\u00e5 slite med \u00e5 skaffe som jobb om arbeidsplassen sin g\u00e5r ad undas. Derfor er det viktig at banken kan stille personlig erfaring og utdanning i sikkerhet n\u00e5r man tar opp l\u00e5n. Har du g\u00e5tt rett fra videreg\u00e5ende og ut i en veldig fin jobb, s\u00e5 vil det selvf\u00f8lgelig v\u00e6re gunstig med tanke p\u00e5 inntekt, men det er ingen sikkerhet i at du f\u00e5r jobb senere \u2013 noe banken vil se veldig stygt p\u00e5.<\/p>\n

Det siste banken \u00f8nsker er en l\u00e5nekunde som ikke kan betale ned avdragene p\u00e5 l\u00e5net sitt basert p\u00e5 at man ikke kan skaffe seg arbeid igjen.<\/p>\n

2. Arbeid og jobbsituasjon.<\/p>\n

Dette henger selvf\u00f8lgelig litt sammen med punkt 1. Skal man ta opp et l\u00e5n, s\u00e5 er det viktig for banken \u00e5 se at man kan betale det ned, og de gunstigste kundene de har er nettopp de med h\u00f8y inntekt og en jobbsituasjon man kan klare seg veldig godt med.<\/p>\n

Jo h\u00f8yere inntekt du har, desto mer \u00f8nsker banken deg, og desto lavere rente kan du egentlig skaffe deg. S\u00e5 enkelt er det.<\/p>\n

3. Alder og kreditthistorie.<\/p>\n

Har du 20 forbruksl\u00e5n<\/a> p\u00e5 samvittigheten der du i alle tilfeller har slitt med \u00e5 betale ned i tide, s\u00e5 er det p\u00e5 tide at banken ser seg etter nye kunder. Banken tjener ikke veldig stort p\u00e5 kunder som ikke betaler ned l\u00e5nene sine i tide, sett bort fra de h\u00f8ye gebyrene som enkelte l\u00e5netakere kan p\u00e5dra seg. Dermed kan vi si at kreditthistorien spiller en veldig stor rolle n\u00e5r det kommer til hvilke renter man kan f\u00e5 p\u00e5 l\u00e5net sitt.<\/p>\n

Alderen har noe \u00e5 si nettopp p\u00e5 grunn av det samme \u2013 hvor mange l\u00e5n man kan ha hatt tidligere og hvilken finansiell erfaring man kan ha f\u00e5tt i l\u00f8pet av disse \u00e5rene.<\/p>\n

Alt dette ovenst\u00e5ende sier veldig mye om hvilke vilk\u00e5r du kan skaffe deg. Har du dog fortsatt problemer med \u00e5 skaffe deg et gunstig l\u00e5n, s\u00e5 kan du pr\u00f8ve l\u00e5neguiden vi har her p\u00e5 nettsiden og se om det er noen l\u00e5n som passer deg i det hele tatt.<\/p>\n","protected":false},"excerpt":{"rendered":"

Om du tror det er helt \u201drandom\u201d hvilken rente du ender opp med n\u00e5r banken skal velge ut boligl\u00e5nsrente og forbruksl\u00e5nrente til deg, s\u00e5 tar du grundig feil. Det er noen faste algoritmer som blir brukt som grunnmur n\u00e5r man skal velge hvilke vilk\u00e5r den hver enkelte l\u00e5netaker skal ha muligheten til \u00e5 f\u00e5. Og […]<\/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":[16,21],"tags":[559,383,560,561,562,563],"class_list":["post-6266","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lan","category-renter","tag-arbeid","tag-boliglansrente","tag-forbrukslanrente","tag-laneguide","tag-lanetaker","tag-utdanning"],"yoast_head":"\nDette avgj\u00f8r renten p\u00e5 l\u00e5net ditt » 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\/dette-avgjor-renten-pa-lanet-ditt\/\" \/>\n<meta property=\"og:locale\" content=\"nb_NO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dette avgj\u00f8r renten p\u00e5 l\u00e5net ditt » WF Finans\" \/>\n<meta property=\"og:description\" content=\"Om du tror det er helt \u201drandom\u201d hvilken rente du ender opp med n\u00e5r banken skal velge ut boligl\u00e5nsrente og forbruksl\u00e5nrente til deg, s\u00e5 tar du grundig feil. Det er noen faste algoritmer som blir brukt som grunnmur n\u00e5r man skal velge hvilke vilk\u00e5r den hver enkelte l\u00e5netaker skal ha muligheten til \u00e5 f\u00e5. Og […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.webforumet.no\/finans\/dette-avgjor-renten-pa-lanet-ditt\/\" \/>\n<meta property=\"og:site_name\" content=\"WF Finans\" \/>\n<meta property=\"article:published_time\" content=\"2011-11-12T17:05:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-09-09T21:12:35+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\" 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