{"id":85636,"date":"2021-10-19T05:44:54","date_gmt":"2021-10-19T03:44:54","guid":{"rendered":"https:\/\/mininvestering.com\/?p=85636"},"modified":"2021-10-19T13:00:00","modified_gmt":"2021-10-19T13:00:00","slug":"lan-penge-aktier-falder","status":"publish","type":"post","link":"https:\/\/mininvestering.com\/lan-penge-aktier-falder\/","title":{"rendered":"L\u00e5n penge hurtigt, n\u00e5r aktier falder – en god strategi?"},"content":{"rendered":"\n
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N\u00e5r aktier p\u00e5 markedet er faldende, kan det v\u00e6re fristende at l\u00e5ne penge hurtigt, s\u00e5 du kan maksimere overskuddet. Men er det virkelig klogt at l\u00e5ne penge for at investere i billige aktier? Hvor mange penge kan du l\u00e5ne? Og skal man l\u00e5ne med eller uden sikkerhed? Du finder svarene p\u00e5 disse sp\u00f8rgsm\u00e5l herunder. <\/p>\n\n\n\n

Er det klogt at l\u00e5ne penge hurtigt for at investere i billige aktier?<\/h2>\n\n\n\n

Generelt kan det give st\u00f8rre opadvendt at l\u00e5ne penge til at investere i billige aktier. Ved at g\u00f8re det f\u00e5r du mere leverage – k\u00f8bekraft – og du kan deltage i opsvingene. Det er en stigende tendens her i Danmark. Det tjekkede vi ogs\u00e5 i resten af Skandinavien, og i en pressemeddelelse tidligere p\u00e5 \u00e5ret oplyste den norske l\u00e5nespecialisten lanfordeg.no<\/a>, at Norge ogs\u00e5 har en stigende tendens hvor folk l\u00e5ner penge til at investere i aktier. De modtager dagligt flere og flere l\u00e5neans\u00f8gninger til forbrugsl\u00e5n, hvor pengene er beregnet til at blive brugt til investeringer. I s\u00e5danne tilf\u00e6lde p\u00e5peger de, at selvom det kan f\u00f8re til et godt overskud, skal man tr\u00e6de meget forsigtigt, f\u00f8r man tager et l\u00e5n for at investere. <\/p>\n\n\n\n

Hvis du stadig t\u00e6nker p\u00e5 at bruge l\u00e5n som gearing til en investeringsmulighed, har vi nedskrevet, hvad du har brug for at vide.<\/p>\n\n\n\n

Ikke alle kan l\u00e5ne penge hurtigt<\/h2>\n\n\n\n

Sandheden er, at ikke alle kan l\u00e5ne penge hurtigt. For eksempel, hvis du har en betalingsanm\u00e6rkning, anser de fleste banker dig for usikker at l\u00e5ne til. For hvad kommunikerer dette til banken, bortset fra at du ikke har skulle betale dine regninger f\u00f8r?<\/p>\n\n\n\n

Grunden til, at bankerne er mindre villige til at godkende l\u00e5neans\u00f8gninger fra dem, der har en betalingsanm\u00e6rkning, er, at de er afh\u00e6ngige af at f\u00e5 deres penge tilbage for at tjene penge p\u00e5 at udstede l\u00e5n. Hver gang de godkender et l\u00e5n, tager de en risiko, der indikerer, at de muligvis ikke f\u00e5r deres penge tilbage. Derfor kan det v\u00e6re bedre for dig at overveje andre m\u00e5der at finansiere dine investeringer end l\u00e5n, hvis du har en betalingsanm\u00e6rkning.<\/p>\n\n\n\n

Hvor hurtigt kan du f\u00e5 et l\u00e5n?<\/h2>\n\n\n\n

Som enhver hobbyinvestor ved, flyder aktier; de \u00e6ndrer sig hurtigt; og de skuffer mennesker, der ikke er hurtige nok til at reagere p\u00e5 markedet. If\u00f8lge mybanker.dk<\/a> kan du ofte f\u00e5 et l\u00e5n samme dag. Det skyldes, at den l\u00e5netype, man normalt bruger til leverage, er forbrugsl\u00e5n. At f\u00e5 godkendt en ans\u00f8gning om et forbrugsl\u00e5n er meget hurtigere end med for eksempel et bill\u00e5n eller pant.<\/p>\n\n\n\n

Samtidig med at det skulle v\u00e6re et m\u00e5l at f\u00e5 et l\u00e5n s\u00e5 hurtigt som muligt, b\u00f8r man ogs\u00e5 sammenligne l\u00e5n fra flere banker for at f\u00e5 de bedste vilk\u00e5r. Der er mange l\u00e5ngivere, der kan hj\u00e6lpe dig med dette.<\/p>\n\n\n\n

Hvor mange penge kan du l\u00e5ne?<\/h2>\n\n\n\n

Med et forbrugsl\u00e5n kan du l\u00e5ne mellem 3.000 og 500.000 kroner. Grundprincippet er normalt, at jo mindre bel\u00f8b du l\u00e5ner, jo h\u00f8jere bliver renten; dens st\u00f8rre bel\u00f8b, dens lavere rente.<\/p>\n\n\n\n

L\u00e5n penge hurtigt med eller uden sikkerhed?<\/h2>\n\n\n\n

Om man hurtigt skal l\u00e5ne penge med eller uden sikkerhed, afh\u00e6nger lidt af din situation. Det ideelle er at f\u00e5 et l\u00e5n med sikkerhed, da det vil give dig en lavere rente p\u00e5 tilbagebetalingsl\u00e5net. Hvis du ikke opfylder kravene til indkomst, arbejdsplads, g\u00e6ld og egenkapital i fast ejendom stillet som sikkerhed, s\u00e5 kan du kun f\u00e5 l\u00e5n uden sikkerhed. Dette har en lidt h\u00f8jere rente, som vil kr\u00e6ve, at afkastet af din investering er h\u00f8jere, hvis du skal tjene noget ved at optage l\u00e5net.<\/p>\n\n\n\n

Afslutningsvis er det ikke ualmindeligt at k\u00f8be aktier p\u00e5 marginl\u00e5n for at opn\u00e5 leverage til investeringer. Du skal dog v\u00e6re forsigtig med ikke at s\u00e6tte dig selv i en uheldig situation.<\/p>\n<\/div><\/div>\n<\/div><\/section>\n<\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":19,"featured_media":65526,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"_uag_custom_page_level_css":"","_lmt_disableupdate":"","_lmt_disable":"","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[57],"tags":[],"acf":[],"yoast_head":"\nL\u00e5n penge hurtigt, n\u00e5r aktier falder - en god strategi?<\/title>\n<meta name=\"description\" content=\"L\u00e5n penge hurtigt, n\u00e5r aktier falder - en god strategi? 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