{"id":40050,"date":"2020-02-05T17:40:09","date_gmt":"2020-02-05T15:40:09","guid":{"rendered":"https:\/\/mininvestering.com\/?p=40050"},"modified":"2022-03-24T12:48:00","modified_gmt":"2022-03-24T12:48:00","slug":"saadan-skaber-du-overblik-over-dine-laan","status":"publish","type":"post","link":"https:\/\/mininvestering.com\/saadan-skaber-du-overblik-over-dine-laan\/","title":{"rendered":"S\u00e5dan skaber du overblik over dine l\u00e5n"},"content":{"rendered":"\n
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Annonce<\/p>\n\n\n\n

S\u00e5dan skaber du overblik over dine l\u00e5n<\/p>\n\n\n\n

Alle mennesker kan komme i en situation, hvor de har brug for at l\u00e5ne penge. N\u00e5r man l\u00e5ner, vil der dog altid komme et tidspunkt, hvor man skal betale pengene tilbage igen. Skal du overholde tilbagebetalingen kr\u00e6ver det, at du har overblik over dine l\u00e5n.<\/strong><\/p>\n\n\n\n

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Hvorn\u00e5r kan man optage et privatl\u00e5n?<\/h2>\n\n\n\n

Et privatl\u00e5n, er et l\u00e5n, som du optager som privatperson. Det er meget popul\u00e6rt at optage privatl\u00e5n<\/a> online, blandt andet fordi pengene st\u00e5r p\u00e5 din konto inden for f\u00e5 dage. En anden fordel ved de online l\u00e5n er, at du ikke skal redeg\u00f8re for, hvad du vil bruge pengene p\u00e5.<\/p>\n\n\n\n

Det betyder alts\u00e5, at du kan bruge pengene p\u00e5 lige, hvad du har lyst til, n\u00e5r du l\u00e5ner penge p\u00e5 internettet. Der kan v\u00e6re stor forskel p\u00e5, hvor h\u00f8je omkostningerne for de forskellige privatl\u00e5n er. Derfor er det vigtigt, at du sammenligner de forskellige l\u00e5n, inden du tr\u00e6ffer dit endelige valg.<\/p>\n\n\n\n

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Mistet overblik; store konsekvenser<\/h2>\n\n\n\n

Hvis du har optaget flere forskellige privatl\u00e5n, kan tilbagebetalingen hurtigt blive uoverskuelig. Du skal nemlig holde hovedet koldt, hvis du skal holde \u00f8je med mere end \u00e9n m\u00e5nedlig ydelse. Mister du overblikket over dine l\u00e5n, kan det ske, at du misser en tilbagebetaling.<\/p>\n\n\n\n

Forts\u00e6tter misligholdelsen af dit l\u00e5n, kan det blandt andet f\u00f8re til, at du bliver registreret i RKI. En registrering som denne betyder, at det bliver sv\u00e6rt for dig at l\u00e5ne penge i fremtiden. Derfor kan et samlel\u00e5n<\/a> v\u00e6re vejen frem, da det hj\u00e6lper dig med at skabe overblik.<\/p>\n\n\n\n

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Saml dine l\u00e5n under \u00e9t<\/h2>\n\n\n\n

Et samlel\u00e5n g\u00e5r, som navnet antyder, ud p\u00e5 at samle sine l\u00e5n. I stedet for at betale af p\u00e5 mange forskellige l\u00e5n, har du s\u00e5ledes kun et stort l\u00e5n, som du skal tage dig af. P\u00e5 denne m\u00e5de er der kun \u00e9n l\u00f8betid og \u00e9n m\u00e5nedlig ydelse, du skal bekymre dig om, og derfor er der ikke nogen risiko for, at du glemmer et l\u00e5n i forbifarten.<\/p>\n\n\n\n

Inden du optager et samlel\u00e5n, er det naturligvis vigtigt, at du regner p\u00e5, om det kan betale sig. Finder du et samlel\u00e5n med en lavere rente end dine nuv\u00e6rende l\u00e5n, er der gode chancer for, at det vil blive en fordelagtig aff\u00e6re.<\/p>\n\n\n\n

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Hvor mange penge skylder du?<\/h2>\n\n\n\n

For at du kan regne ud, hvor mange penge du skal l\u00e5ne i dit samlel\u00e5n, er det n\u00f8dvendigt, at du ved, hvor mange penge du skylder. Dit samlel\u00e5n skal nemlig blot d\u00e6kke udgifterne til at tilbagebetale alle dine eksisterende l\u00e5n.<\/p>\n\n\n\n

Det kan v\u00e6re besv\u00e6rligt at regne ud, hvor mange penge dit l\u00e5n kommer til at koste dig i sidste ende, n\u00e5r du ogs\u00e5 skal medregne renter og gebyrer. Derfor kan du blandt andet v\u00e6lge at tage online l\u00e5neberegnere til hj\u00e6lp eller sp\u00f8rge en r\u00e5dgiver.<\/p>\n\n\n\n

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L\u00e6g en plan for tilbagebetalingen<\/h2>\n\n\n\n

Har du f\u00f8rst skabt overblik over din l\u00e5nesituation ved hj\u00e6lp af et samlel\u00e5n, er det en god id\u00e9 at l\u00e6gge en plan for tilbagebetalingen. En plan som denne kan blandt andet v\u00e6re et budget, hvor du angiver dine indt\u00e6gter og faste udgifter, s\u00e5 du kan se, hvor mange penge du har til r\u00e5dighed.<\/p>\n\n\n\n

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