{"id":6070,"date":"2018-12-21T10:06:38","date_gmt":"2018-12-21T09:06:38","guid":{"rendered":"https:\/\/www.webforumet.no\/nytte\/?p=6070"},"modified":"2026-02-05T23:24:24","modified_gmt":"2026-02-05T22:24:24","slug":"tre-gode-tips-for-deg-som-skal-soke-lan-til-bil","status":"publish","type":"post","link":"https:\/\/www.webforumet.no\/nytte\/tre-gode-tips-for-deg-som-skal-soke-lan-til-bil\/","title":{"rendered":"Tre gode tips for deg som skal s\u00f8ke l\u00e5n til bil"},"content":{"rendered":"

Skal du kj\u00f8pe deg ny bil (les denne artikkelen f\u00f8rst<\/a>), men er usikker p\u00e5 hvordan du g\u00e5r frem n\u00e5r du skal s\u00f8ke l\u00e5n? Du er ikke alene om det, for mange er ganske godt opp i \u00e5rene n\u00e5r de kj\u00f8per sin f\u00f8rste bil. I alle fall den f\u00f8rste bilen de trenger \u00e5 l\u00e5ne penger til \u2013 og da er det ikke noen selvf\u00f8lge at man kjenner til alle rutinene og reglene rundt p\u00e5 bill\u00e5n. Derfor skal vi i denne artikkelen se p\u00e5 hva man b\u00f8r og ikke b\u00f8r gj\u00f8re n\u00e5r man skal s\u00f8ke om l\u00e5n til bil. <\/p>\n

1. Sammenlign priser \u2013 alltid<\/h2>\n

Det beste og viktigste tipset er at du alltid sammenligner priser p\u00e5 bill\u00e5n<\/a> f\u00f8r du bestemmer deg for \u00e5 takke ja til et l\u00e5n. Selv om den f\u00f8rste banken du s\u00f8ker i velger \u00e5 tilby deg et l\u00e5n, og dette er kanskje en bank du nettopp s\u00e5 reklame for, s\u00e5 er det ikke sikkert at dette er det beste l\u00e5netilbudet. For n\u00e5r du skal s\u00f8ke l\u00e5n til bil finnes det sv\u00e6rt mange banker \u00e5 velge i, og den f\u00f8rste er n\u00f8dvendigvis ikke den beste. <\/p>\n

Derfor b\u00f8r du s\u00f8ke hos flere banker for \u00e5 se hvem som kan tilby deg det rimeligste l\u00e5net. Kanskje finner du ut at det er mange kroner \u00e5 spare p\u00e5 \u00e5 velge den ene banken fremfor den andre. For \u00e5 gj\u00f8re dette enklest mulig kan du benytte deg av en l\u00e5neformidler. De vil da videresende s\u00f8knaden din til flere banker, og du slipper den ekstra jobben med \u00e5 gj\u00f8re dette selv. <\/p>\n

2. S\u00f8k l\u00e5n sammen med noen<\/h2>\n

Grunnen til at vi mener at man b\u00f8r s\u00f8ke l\u00e5n til bil sammen med noen er ikke fordi det gj\u00f8r det ekstra koselig, men fordi man kan spare ganske mye penger p\u00e5 det. Dette fordi at n\u00e5r banken f\u00e5r redusert sin risiko ved utl\u00e5n grunnet at det er to personer (og dermed to inntekter) som er ansvarlige for \u00e5 betale ned l\u00e5net til rett tid, s\u00e5 er de villige til \u00e5 redusere renten p\u00e5 l\u00e5net. <\/p>\n

Les mer: Gode tips hos NAF vedr\u00f8rende finansiering av bil<\/p>\n

I tillegg til at man kan f\u00e5 vesentlig lavere rente p\u00e5 l\u00e5net ved \u00e5 s\u00f8ke l\u00e5n til bil sammen, s\u00e5 vil dette ogs\u00e5 \u00f8ke sjansene for \u00e5 f\u00e5 s\u00f8knaden innvilget. <\/p>\n

\"\"
Dette er dr\u00f8mmebilen til noen ganske f\u00e5 personer, vi andre tar mer n\u00f8kterne valg…<\/figcaption><\/figure>\n

3. Vurder hvilken type l\u00e5n til bil du s\u00f8ker<\/h2>\n

N\u00e5r man skal s\u00f8ke l\u00e5n til bil, s\u00e5 har man i utgangspunktet to muligheter. Den ene er \u00e5 s\u00f8ke et s\u00e5kalt \u201cekte bill\u00e5n\u201d der banken tar pant i bilen, og l\u00e5nevilk\u00e5rene er tilpasset kj\u00f8p av bil. Dette er anbefalt dersom man skal kj\u00f8pe en dyrere bil, har muligheten til \u00e5 stille egenkapital og ikke har noe imot at banken tar sikkerhet\/pant i bilen din. <\/p>\n

Den andre muligheten er \u00e5 ta opp et usikret l\u00e5n til bil, s\u00e5kalte forbruksl\u00e5n<\/a>. Dette egner seg best for de litt rimeligere bilene, ettersom renteniv\u00e5et er vesentlig h\u00f8yere her. Det er alts\u00e5 fordeler og ulemper med begge typer bill\u00e5n, s\u00e5 her m\u00e5 man nesten selv vurdere hva som egner seg best for det kj\u00f8pet man skal gj\u00f8re. <\/p>\n","protected":false},"excerpt":{"rendered":"

Skal du kj\u00f8pe deg ny bil (les denne artikkelen f\u00f8rst), men er usikker p\u00e5 hvordan du g\u00e5r frem n\u00e5r du skal s\u00f8ke l\u00e5n? Du er ikke alene om det, for mange er ganske godt opp i \u00e5rene n\u00e5r de kj\u00f8per sin f\u00f8rste bil. I alle fall den f\u00f8rste bilen de trenger \u00e5 l\u00e5ne penger til […]<\/p>\n","protected":false},"author":1,"featured_media":6072,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[26],"tags":[],"class_list":["post-6070","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-okonomi"],"yoast_head":"\n>> Tre gode tips for deg som skal s\u00f8ke l\u00e5n til bil <<<\/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\/nytte\/tre-gode-tips-for-deg-som-skal-soke-lan-til-bil\/\" \/>\n<meta property=\"og:locale\" content=\"nb_NO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\">> Tre gode tips for deg som skal s\u00f8ke l\u00e5n til bil <<\" \/>\n<meta property=\"og:description\" content=\"Skal du kj\u00f8pe deg ny bil (les denne artikkelen f\u00f8rst), men er usikker p\u00e5 hvordan du g\u00e5r frem n\u00e5r du skal s\u00f8ke l\u00e5n? Du er ikke alene om det, for mange er ganske godt opp i \u00e5rene n\u00e5r de kj\u00f8per sin f\u00f8rste bil. 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