{"id":93146,"date":"2022-01-07T10:10:50","date_gmt":"2022-01-07T08:10:50","guid":{"rendered":"https:\/\/mininvestering.com\/?p=93146"},"modified":"2022-08-11T13:04:00","modified_gmt":"2022-08-11T13:04:00","slug":"hvad-er-et-forbrugslaan","status":"publish","type":"post","link":"https:\/\/mininvestering.com\/hvad-er-et-forbrugslaan\/","title":{"rendered":"Hvad er et forbrugsl\u00e5n?"},"content":{"rendered":"\n<section class=\"wp-block-uagb-section uagb-section__wrap uagb-section__background-undefined uagb-block-d57469d7 section-inner-wrap\"><div class=\"uagb-section__overlay\"><\/div><div class=\"uagb-section__inner-wrap\">\n<section class=\"wp-block-uagb-columns uagb-columns__wrap uagb-columns__background-undefined uagb-columns__stack-mobile uagb-columns__valign-center uagb-columns__gap-10 alignundefined uagb-block-a0b26556\"><div class=\"uagb-columns__overlay\"><\/div><div class=\"uagb-columns__inner-wrap uagb-columns__columns-1\">\n<div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-dfbad396\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\">\n<section class=\"wp-block-uagb-section uagb-section__wrap uagb-section__background-undefined uagb-block-9d38835c section-inner-wrap\"><div class=\"uagb-section__overlay\"><\/div><div class=\"uagb-section__inner-wrap\">\n<section class=\"wp-block-uagb-columns uagb-columns__wrap uagb-columns__background-undefined uagb-columns__stack-mobile uagb-columns__valign-center uagb-columns__gap-10 alignundefined uagb-block-a95e4a7c\"><div class=\"uagb-columns__overlay\"><\/div><div class=\"uagb-columns__inner-wrap uagb-columns__columns-2\">\n<div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-7de66a8e\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\">\n<p>Der findes mange muligheder for at l\u00e5ne penge. Et af de allermest benyttede l\u00e5n er et forbrugsl\u00e5n.<\/p>\n\n\n\n<ul><li>Hvad er et forbrugsl\u00e5n?<\/li><li>Og kan du l\u00e5ne penge lige nu og her?<\/li><\/ul>\n\n\n\n<p>Det er to sp\u00f8rgsm\u00e5l, som du f\u00e5r svar p\u00e5 i det f\u00f8lgende. Vi giver en guide til omr\u00e5det.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-fa7d3d5c\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\">\t\t\t\t<div class=\"wp-block-uagb-table-of-contents uagb-toc__align-left uagb-toc__columns-1  uagb-block-d8d7590c table-of-content    \"\n\t\t\t\t\tdata-scroll= \"1\"\n\t\t\t\t\tdata-offset= \"30\"\n\t\t\t\t\tstyle=\"\"\n\t\t\t\t>\n\t\t\t\t<div class=\"uagb-toc__wrap\">\n\t\t\t\t\t\t<div class=\"uagb-toc__title\">\n\t\t\t\t\t\t\tL\u00e6s mere om:\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uagb-toc__list-wrap\">\n\t\t\t\t\t\t<ol class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#man-kan-godt-l\u00e5ne-penge-selvom-banken-siger-nej\" class=\"uagb-toc-link__trigger\">Man kan godt l\u00e5ne penge, selvom banken siger nej<\/a><li class=\"uagb-toc__list\"><a href=\"#forbrugsl\u00e5n-online-udbydere\" class=\"uagb-toc-link__trigger\">Forbrugsl\u00e5n &#8211; Online udbydere<\/a><li class=\"uagb-toc__list\"><a href=\"#s\u00e5dan-tegner-du-et-forbrugsl\u00e5n-trin-for-trin-guide\" class=\"uagb-toc-link__trigger\">S\u00e5dan tegner du et forbrugsl\u00e5n &#8211; Trin for trin-guide<\/a><li class=\"uagb-toc__list\"><a href=\"#fordele-og-ulemper-ved-et-forbrugsl\u00e5n\" class=\"uagb-toc-link__trigger\">Fordele og ulemper ved et forbrugsl\u00e5n<\/a><li class=\"uagb-toc__list\"><a href=\"#tips-til-at-finde-de-billigste-forbrugsl\u00e5n-p\u00e5-nettet\" class=\"uagb-toc-link__trigger\">Tips til at finde de billigste forbrugsl\u00e5n p\u00e5 nettet<\/a><li class=\"uagb-toc__list\"><a href=\"#ofte-stillede-sp\u00f8rgsm\u00e5l\" class=\"uagb-toc-link__trigger\">Ofte stillede sp\u00f8rgsm\u00e5l<\/a><\/ol>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\n<\/div><\/section>\n<\/div><\/section>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n<\/div><\/section>\n<\/div><\/section>\n\n\n\n<section class=\"wp-block-uagb-section uagb-section__wrap uagb-section__background-color uagb-block-ce2c80ea section-inner-wrap\"><div class=\"uagb-section__overlay\"><\/div><div class=\"uagb-section__inner-wrap\">\n<section class=\"wp-block-uagb-columns uagb-columns__wrap uagb-columns__background-undefined uagb-columns__stack-mobile uagb-columns__valign-top uagb-columns__gap-10 alignundefined uagb-block-ba9d2f1a\"><div class=\"uagb-columns__overlay\"><\/div><div class=\"uagb-columns__inner-wrap uagb-columns__columns-1\">\n<div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-732dbb64\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\">\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Man kan godt l\u00e5ne penge, selvom banken siger nej<\/h2>\n\n\n\n<p>Det mest almindelige er, at man g\u00e5r gennem sin bank for at l\u00e5ne penge. Det er bare ikke altid, banken er s\u00e5 villig til at l\u00e5ne penge ud, n\u00e5r det drejer sig om forbrug.<\/p>\n\n\n\n<p>Den allerbilligste l\u00e5neform i Danmark er i \u00f8vrigt et SU-l\u00e5n, hvor renterne virkelig er trykket helt i bund (ca. 4% mens man l\u00e6ser). Hvis du ikke er i spil til et s\u00e5dant l\u00e5n, kan der dog stadig godt g\u00e5 penge ind p\u00e5 kontoen.<\/p>\n\n\n\n<p>Man kreditvurderes altid, n\u00e5r man ans\u00f8ger om et l\u00e5n. Her skal man dokumentere sin \u00f8konomiske situation. Herefter tages der stilling til, om man sk\u00f8nnes egnet til et forbrugsl\u00e5n.<\/p>\n\n\n\n<p>Des bedre stillet man er mht. fast arbejde, bolig, f\u00e5 igangv\u00e6rende l\u00e5n m.m. &#8211; des st\u00f8rre er chancen for, at man kan tegne et forbrugsl\u00e5n under de mest fordelagtige vilk\u00e5r.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Hvem kan tegne et forbrugsl\u00e5n?<\/h3>\n\n\n\n<p>Hvis man er over 18 \u00e5r, er man i princippet inde i billedet til at tegne et forbrugsl\u00e5n. Dog er der mange andre faktorer, der spiller ind.<\/p>\n\n\n\n<p>Det er de f\u00e6rreste 18-\u00e5rige, der har en s\u00e6rlig stor indkomst. Derfor vil et l\u00e5n af penge falde p\u00e5 et t\u00f8rt sted. Desv\u00e6rre kan man ikke stille s\u00e6rlig stor sikkerhed for at pengene betales tilbage indenfor l\u00f8betiden.<\/p>\n\n\n\n<p>L\u00e5neudbydere bestemmer selv, hvem der bevilges et forbrugsl\u00e5n &#8211; og til hvilken ydelse. Det er en rigtig god id\u00e9 at afs\u00f8ge flere muligheder for at tegne et forbrugsl\u00e5n, s\u00e5 man har mulighed for at sammenligne de enkelte tilbud.<\/p>\n\n\n\n<p>De fleste l\u00e5neudbydere stiller krav om:<\/p>\n\n\n\n<ul><li>At man er minimum 18 \u00e5r gammel<\/li><li>Fast bop\u00e6l i Danmark<\/li><li>At man ikke er registreret i RKI<\/li><\/ul>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Hvad kan et forbrugsl\u00e5n bruges til?<\/h3>\n\n\n\n<p>Et forbrugsl\u00e5n adskiller sig fra et almindeligt bankl\u00e5n eller realkreditl\u00e5n. Det er ikke penge, der skal bruges til at finansiere fx en kommende bolig eller bil.<\/p>\n\n\n\n<p>N\u00e5r man tegner et forbrugsl\u00e5n, skal pengene gerne bruges til at d\u00e6kke et mere pludseligt opst\u00e5et behov. Det er slet ikke sikkert, du bliver spurgt om, hvad pengene skal bruges p\u00e5 &#8211; men der kan v\u00e6re mange grunde til at s\u00f8ge om et forbrugsl\u00e5n.<\/p>\n\n\n\n<p><strong>M\u00e5ske mangler du penge til:<\/strong><\/p>\n\n\n\n<ul><li>H\u00e5rde hvidevarer<\/li><li>En cykel<\/li><li>En rejse<\/li><li>H\u00e5ndv\u00e6rkerregning<\/li><\/ul>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n<\/div><\/section>\n<\/div><\/section>\n\n\n\n<section class=\"wp-block-uagb-section uagb-section__wrap uagb-section__background-undefined uagb-block-3454d463 section-inner-wrap\"><div class=\"uagb-section__overlay\"><\/div><div class=\"uagb-section__inner-wrap\">\n<section class=\"wp-block-uagb-columns uagb-columns__wrap uagb-columns__background-undefined uagb-columns__stack-mobile uagb-columns__valign-top uagb-columns__gap-10 alignundefined uagb-block-c6f92ce3\"><div class=\"uagb-columns__overlay\"><\/div><div class=\"uagb-columns__inner-wrap uagb-columns__columns-1\">\n<div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-ea221730\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\">\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Forbrugsl\u00e5n &#8211; Online udbydere<\/h2>\n\n\n\n<p>Hvis din bank har takket nej til din anmodning om et forbrugsl\u00e5n er der andre veje at g\u00e5. Ikke dermed sagt, at de er lige billige alle sammen.<\/p>\n\n\n\n<p>Det kan blive en bekostelig aff\u00e6re at tegne et forbrugsl\u00e5n, hvis ikke man ser sig godt om. Selvom man m\u00e5ske har brug for penge i en fart, er der mange gode grunde til lige at indhente nogle flere tilbud fra det store udvalg af online l\u00e5neudbydere.<\/p>\n\n\n\n<p><strong>Her er nogle af de st\u00f8rste:<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/mininvestering.com\/go\/unilaan\/\">Unil\u00e5n<\/a> &#8211; L\u00e5n fra 20.000 &#8211; 50.000 kroner<\/li><li><a href=\"https:\/\/mininvestering.com\/go\/lendme\/\">LendMe<\/a> &#8211; Sammenlign l\u00e5n fra 15 banker<\/li><li><a href=\"https:\/\/mininvestering.com\/go\/digifinans\/\">DigiFinans<\/a> &#8211; Gratis nordisk l\u00e5nesammenligner<\/li><li><a href=\"https:\/\/mininvestering.com\/go\/leasy\/\">L&#8217;easy Minil\u00e5n<\/a> &#8211; L\u00e5n op til 50.000 kr. til det, du dr\u00f8mmer om<\/li><li><a href=\"https:\/\/mininvestering.com\/go\/bank-norwegian\/\">Bank Norwegian<\/a> &#8211; L\u00e5n penge til d\u00e9t, du \u00f8nsker<\/li><\/ul>\n<\/div><\/div>\n<\/div><\/section>\n<\/div><\/section>\n\n\n\n<section class=\"wp-block-uagb-section uagb-section__wrap uagb-section__background-color uagb-block-56255679 section-inner-wrap\"><div class=\"uagb-section__overlay\"><\/div><div class=\"uagb-section__inner-wrap\">\n<section class=\"wp-block-uagb-columns uagb-columns__wrap uagb-columns__background-undefined uagb-columns__stack-mobile uagb-columns__valign-top uagb-columns__gap-10 alignundefined uagb-block-c229ce13\"><div class=\"uagb-columns__overlay\"><\/div><div class=\"uagb-columns__inner-wrap uagb-columns__columns-1\">\n<div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-f0294a77\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\">\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">S\u00e5dan tegner du et forbrugsl\u00e5n &#8211; Trin for trin-guide<\/h2>\n\n\n\n<ol><li>Brug en l\u00e5neberegner til at f\u00e5 klarhed over, hvad dit l\u00e5n vil koste med de samlede ekstra omkostninger<\/li><li>Ans\u00f8g om et forbrugsl\u00e5n hos flere l\u00e5neudbydere<\/li><li>Sammenlign de tilbud om l\u00e5n, du f\u00e5r<\/li><li>Tegn det \u00f8nskede l\u00e5n<\/li><li>Brug pengene p\u00e5 det form\u00e5l, du \u00f8nsker<\/li><\/ol>\n\n\n\n<p>Det er gjort b\u00e5de nemt, overskueligt og hurtigt at tegne forbrugsl\u00e5n p\u00e5 nettet. Man benytter sig af en standard formular, hvor der ikke skal udfyldes s\u00e6rlig mange felter. I stedet giver men via NemID sit samtykke til, at udbyderen kan tjekke de \u00f8nskede oplysninger igennem.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Hvor meget koster et forbrugsl\u00e5n?<\/h3>\n\n\n\n<p>Hvor meget et forbrugsl\u00e5n kommer til at koste, n\u00e5r l\u00e5net er indfriet, afh\u00e6nger fuldst\u00e6ndig af de vilk\u00e5r, du takkede ja til i sin tid.<\/p>\n\n\n\n<p>Selvom man pr\u00e6senteres for en nogenlunde billig rente pr. m\u00e5ned kan der v\u00e6re andre ting at holde \u00f8je med. Visse udbydere opkr\u00e6ver s\u00e5ledes et gebyr for at oprette l\u00e5net i f\u00f8rste omgang. Dette g\u00f8r naturligvis den samlede \u00c5OP (\u00c5rlige Omkostninger i Procent) h\u00f8jere.<\/p>\n\n\n\n<p>Lovgivningen p\u00e5 omr\u00e5det i Danmark siger, at der aldrig m\u00e5 kr\u00e6ves mere end 35% i \u00e5rlig \u00c5OP. De ekstra omkostninger ved l\u00e5net m\u00e5 i \u00f8vrigt aldrig overskride 100% af l\u00e5nets st\u00f8rrelse.<\/p>\n\n\n\n<p>Det var lidt Det Vilde Vesten for nogle \u00e5r siden p\u00e5 omr\u00e5det for hurtige l\u00e5n. Derfor strammede regeringen op p\u00e5 omr\u00e5det. Dyre forbrugsl\u00e5n er generelt blevet en tand billigere end tidligere. Men det betyder ingenlunde, at man ikke skal t\u00e6nke tingene igennem, f\u00f8r man tegner et online l\u00e5n.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Forbrugsl\u00e5n eller kvikl\u00e5n?<\/h3>\n\n\n\n<p>Det er en h\u00e5rfin gr\u00e6nse, der adskiller forbrugsl\u00e5n fra kvikl\u00e5n &#8211; hvis overhovedet nogen. Overordnet kan man sige, at et forbrugsl\u00e5n godt kan l\u00f8be op i flere hundrede tusinde kroner, mens et kvikl\u00e5n ofte g\u00e6lder nogle f\u00e5 tusinde kroner.<\/p>\n\n\n\n<p>Processen med at tegne et forbrugsl\u00e5n og et kvikl\u00e5n er nogenlunde den samme. Man finder en l\u00e5neudbyder, der er villig til at l\u00e5ne \u00e9n penge &#8211; men ans\u00f8ger om l\u00e5net &#8211; og pengene er i de fleste tilf\u00e6lde p\u00e5 ens konto indenfor f\u00e5 hverdage.<\/p>\n\n\n\n<p>Det kan alts\u00e5 sagtens g\u00e5 hurtigt, selvom det drejer sig om et st\u00f8rre bel\u00f8b som forbrugsl\u00e5n. Rigtig meget afh\u00e6nger af din kreditvurdering.<\/p>\n\n\n\n<p>Hvis l\u00e5neudbyderen sk\u00f8nner, at du nok skal kunne afdrage rettidigt, vil du ikke have problemer med at tegne et l\u00e5n til acceptable vilk\u00e5r.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n<\/div><\/section>\n<\/div><\/section>\n\n\n\n<section class=\"wp-block-uagb-section uagb-section__wrap uagb-section__background-undefined uagb-block-65ec3165 section-inner-wrap\"><div class=\"uagb-section__overlay\"><\/div><div class=\"uagb-section__inner-wrap\">\n<section class=\"wp-block-uagb-columns uagb-columns__wrap uagb-columns__background-undefined uagb-columns__stack-mobile uagb-columns__valign-top uagb-columns__gap-10 alignundefined uagb-block-d4050c35\"><div class=\"uagb-columns__overlay\"><\/div><div class=\"uagb-columns__inner-wrap uagb-columns__columns-1\">\n<div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-fd0d40b9\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\">\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Fordele og ulemper ved et forbrugsl\u00e5n<\/h2>\n\n\n\n<p>Alt i alt er det v\u00e6rd at p\u00e5pege, at selvom det er nemt at ans\u00f8ge om et forbrugsl\u00e5n, s\u00e5 er det ikke bare noget, man g\u00f8r. Der er nemlig forskel p\u00e5 at l\u00e5ne penge til en vaskemaskine, som n\u00e6ppe kan undv\u00e6res &#8211; og til spil p\u00e5 fodboldkampe. Ogs\u00e5 selvom man har en nok s\u00e5 god id\u00e9 om, hvem der vinder Champions League i \u00e5r.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Fordele:<\/h3>\n\n\n\n<ul><li>Man f\u00e5r pengene hurtigt ind p\u00e5 sin konto og kan finansiere det \u00f8nskede behov<\/li><li>Processen med at l\u00e5ne penge er gjort nem og overskueligt<\/li><li>Der skal ikke redeg\u00f8res for, hvad pengene skal bruges til<\/li><\/ul>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Ulemper:<\/h3>\n\n\n\n<ul><li>De ekstra omkostninger ved et forbrugsl\u00e5n kan l\u00f8be op<\/li><li>Der er risiko for, at man l\u00e5ner penge, man reelt ikke har brug for<\/li><li>Uforudsete udgifter kan f\u00f8re til, at man ikke kan overholde deadlines mht. afbetalinger<\/li><\/ul>\n<\/div><\/div>\n<\/div><\/section>\n<\/div><\/section>\n\n\n\n<section class=\"wp-block-uagb-section uagb-section__wrap uagb-section__background-color uagb-block-9d1e0624 section-inner-wrap\"><div class=\"uagb-section__overlay\"><\/div><div class=\"uagb-section__inner-wrap\">\n<section class=\"wp-block-uagb-columns uagb-columns__wrap uagb-columns__background-undefined uagb-columns__stack-mobile uagb-columns__valign-top uagb-columns__gap-10 alignundefined uagb-block-64c4d06f\"><div class=\"uagb-columns__overlay\"><\/div><div class=\"uagb-columns__inner-wrap uagb-columns__columns-1\">\n<div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-a734fa2c\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\">\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Tips til at finde de billigste forbrugsl\u00e5n p\u00e5 nettet<\/h2>\n\n\n\n<p>Det er alfa og omega, at man ikke bare takker ja til det f\u00f8rste og bedste tilbud om et forbrugsl\u00e5n. Heldigvis kan man benytte dig af op til flere gratis sammenligningssider, som giver et hurtigt overblik.<\/p>\n\n\n\n<p>Hvis du kan betale l\u00e5net tilbage indenfor relativt kort tid, vil de ekstra omkostninger blive mindre end ved en lang l\u00f8betid. Selvom bel\u00f8bet pr. m\u00e5ned er lavere, vil det i sidste ende give et dyrere l\u00e5n, n\u00e5r man afdrager over lang tid.<\/p>\n\n\n\n<p>Der er intet galt med at s\u00f8ge om forbrugsl\u00e5n hos flere udbydere p\u00e5 samme tid. Det er en uforpligtende proces, hvor du f\u00e5r svar meget hurtigt i langt de fleste tilf\u00e6lde.<\/p>\n\n\n\n<p>Konkurrencen p\u00e5 omr\u00e5det er stor, s\u00e5 det g\u00e6lder om at tage imod de mest fordelagtige vilk\u00e5r, du kan finde. Det vil spare dig for masser af penge p\u00e5 den lange bane.<\/p>\n\n\n\n<p>L\u00e6s mere om forskellige <a href=\"https:\/\/mininvestering.com\/lan-til-privatpersoner\/\">l\u00e5n til privatpersoner<\/a>.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n<\/div><\/section>\n<\/div><\/section>\n\n\n\n<section class=\"wp-block-uagb-section uagb-section__wrap uagb-section__background-undefined uagb-block-a0ecf977 section-inner-wrap\"><div class=\"uagb-section__overlay\"><\/div><div class=\"uagb-section__inner-wrap\">\n<section class=\"wp-block-uagb-columns uagb-columns__wrap uagb-columns__background-undefined uagb-columns__stack-mobile uagb-columns__valign-top uagb-columns__gap-10 alignundefined uagb-block-2d5adf0d\"><div class=\"uagb-columns__overlay\"><\/div><div class=\"uagb-columns__inner-wrap uagb-columns__columns-1\">\n<div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-5eb9f8b9\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\">\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Ofte stillede sp\u00f8rgsm\u00e5l<\/h2>\n\n\n\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-76c702b5 uagb-faq-icon-row uagb-faq-layout-accordion uagb-faq-expand-first-true uagb-faq-inactive-other-true uagb-faq-equal-height custom-accordion\" data-faqtoggle=\"true\" role=\"tablist\"><div class=\"uagb-faq__wrap uagb-buttons-layout-wrap\">\n<div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-block-30af1967\"><div class=\"uagb-faq-child__wrapper\"><div class=\"uagb-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\"><span class=\"uagb-icon uagb-faq-icon-wrap\"><\/span><span class=\"uagb-icon-active uagb-faq-icon-wrap\"><\/span><span class=\"uagb-question\">Hvad er et forbrugsl\u00e5n?<\/span><\/div><div class=\"uagb-faq-content\"><span><p>Et forbrugsl\u00e5n er et l\u00e5n, der er beregnet til et konkret form\u00e5l. Det kan v\u00e6re et pludseligt opst\u00e5et behov. Eller bare en rejse, der ikke kan vente l\u00e6ngere.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-block-88995864\"><div class=\"uagb-faq-child__wrapper\"><div class=\"uagb-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\"><span class=\"uagb-icon uagb-faq-icon-wrap\"><\/span><span class=\"uagb-icon-active uagb-faq-icon-wrap\"><\/span><span class=\"uagb-question\">Hvordan tegner man et forbrugsl\u00e5n?<\/span><\/div><div class=\"uagb-faq-content\"><span><p>Man kan ans\u00f8ge gennem sin bank eller en af de mange udbydere p\u00e5 nettet. Processen er gjort nem, hurtig og overskueligt.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-block-282efb95\"><div class=\"uagb-faq-child__wrapper\"><div class=\"uagb-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\"><span class=\"uagb-icon uagb-faq-icon-wrap\"><\/span><span class=\"uagb-icon-active uagb-faq-icon-wrap\"><\/span><span class=\"uagb-question\">Hvordan kvalificerer man sig til et forbrugsl\u00e5n?<\/span><\/div><div class=\"uagb-faq-content\"><span><p>De fleste l\u00e5neudbydere kr\u00e6ver b\u00e5de, at man er over 18 \u00e5r, har fast bop\u00e6l i Danmark og ikke er registreret i RKI.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-block-38f1831e\"><div class=\"uagb-faq-child__wrapper\"><div class=\"uagb-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\"><span class=\"uagb-icon uagb-faq-icon-wrap\"><\/span><span class=\"uagb-icon-active uagb-faq-icon-wrap\"><\/span><span class=\"uagb-question\">Hvor meget koster et forbrugsl\u00e5n?<\/span><\/div><div class=\"uagb-faq-content\"><span><p>Det er meget forskelligt i forhold til din personlige situation og de vilk\u00e5r, l\u00e5net tegnes under. I Danmark er det forbudt at udbyde l\u00e5n til over 35% \u00c5OP og med ekstra omkostninger, der overskrider det l\u00e5nte bel\u00f8bs st\u00f8rrelse.<\/p><\/span><\/div><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n<\/div><\/section>\n<\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":19,"featured_media":106166,"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":[27],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Hvad er et forbrugsl\u00e5n? - S\u00e5dan tegner man et forbrugsl\u00e5n<\/title>\n<meta name=\"description\" content=\"Hvad er et forbrugsl\u00e5n egentlig? \u2714\ufe0f Og hvad er dine muligheder for at tegne et l\u00e5n online? \u2714\ufe0f Her f\u00e5r du en guide, der g\u00f8r dig meget klogere p\u00e5 emnet.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mininvestering.com\/hvad-er-et-forbrugslaan\/\" \/>\n<meta property=\"og:locale\" content=\"da_DK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hvad er et forbrugsl\u00e5n? - S\u00e5dan tegner man et forbrugsl\u00e5n\" \/>\n<meta property=\"og:description\" content=\"Hvad er et forbrugsl\u00e5n egentlig? \u2714\ufe0f Og hvad er dine muligheder for at tegne et l\u00e5n online? \u2714\ufe0f Her f\u00e5r du en guide, der g\u00f8r dig meget klogere p\u00e5 emnet.\" \/>\n<meta property=\"og:site_name\" content=\"Min Investering\" \/>\n<meta property=\"article:published_time\" content=\"2022-01-07T08:10:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-08-11T13:04:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/mininvestering.com\/wp-content\/uploads\/2022\/01\/A174.2-laan-penge-nu.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"960\" \/>\n\t<meta property=\"og:image:height\" content=\"638\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mads Nielsen\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:description\" content=\"Hvad er et forbrugsl\u00e5n egentlig? 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Han er en del af ClickOut Media. Interessen for investering l\u00f8ber i blodet, men siden jeg i 2012 k\u00f8bte mine f\u00f8rste Bitcoins har jeg prim\u00e6rt arbejdet med kryptovaluta.","url":"https:\/\/mininvestering.com\/author\/mads-nielsen\/"}]}},"modified_by":"Alkesh 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