Gode tips til deg som skal søke om lån

søke om lån

Sommerferien står for døren og det er på tide å planlegge budsjettet for sommerens aktiviteter. Med sommeren følger både feriepenger og eventuelt skattepenger, men det er også noen store utgifter som, for eksempel, ferie. Det er også nå mange velger å pusse opp boligen, ordne med hagen eller kanskje kjøpe ny bil. Selv om du får inn noen inntekter, kan det hende du likevel trenger å ta opp et lån. I denne artikkelen skal du få noen gode tips til hva du bør tenke på når du skal søke om å låne penger.

Lag deg et budsjett

Det er alltid lurt å ha et budsjett, og om du ikke har det allerede bør du lage det. Det finnes mange maler på nettet, eller du kan bruke et excel-ark. Inntektene skal på den ene siden og utgiftene på den andre siden. Formålet med budsjettet er å finne ut hvor mye penger du kan bruke til å betale avdrag med hver måned. Det vil gi deg et hint om hvor mye penger du kan søke om å låne.

Du bør også lage et lite budsjett over prosjektet du trenger penger til. Det er alltid lurt å vite nøyaktig hva du skal bruke lånesummen til, og hvor mye du faktisk trenger. På den måten låner du ikke for mye og det blir vanskeligere å falle for fristelsen til å bruke pengene til noe annet.

Sett deg inn i viktige begreper

Det kan lønne seg å kunne noen av de begrepene banken bruker, som effektiv rente, nominell rente, etableringsgebyr og så videre. Enkelt fortalt er den effektive renten det viktigste. Det er fordi det er denne som forteller deg hva lånet koster. Den effektive renten består av alle gebyrer samt nominell rente. Gebyrene er som regel et etableringsgebyr, som er et engangsgebyr når du tar opp lån, og termingebyr, som dukker opp hver måned når avdraget skal betales.

Søk hos mer enn en bank

Å jakte på pris er alltid lurt. Du sjekker gjerne priser på andre større investeringer, og handler der det er billigst. Slik bør det også være når du skal låne penger. Det finnes to måter å gjøre dette på. Den mest krevende varianten er at du finner frem en rekke forskjellige banker og sender inn en søknad til hver av dem. Deretter sammenligner du og velger den du mener er best for deg.

Den enkle og tidsbesparende måten er å få hjelp av en sammenligningstjeneste. Disse finnes det flere av, men hos Mony.no får du ekstra god hjelp. Her kan du nemlig sende inn en eneste søknad og så sender de den videre til alle sine 14 samarbeidspartnere. Det vil si at du kan få svar fra inntil 14 ulike banker. Du velger selv det tilbudet du liker best, og signerer på det valgte tilbudet med din personlige BankID.

Problemer med tilbakebetalingen

Skulle du få problemer med tilbakebetalingen til tross for budsjett og gode intensjoner er det viktig at du kontakter banken med en gang. Da kan dere komme fram til en ny nedbetalingsavtale som hjelper deg, og som sikrer at banken får pengene sine. Er du tidlig ute og forteller om problemene dine kan du selv forhindre at det hele ender opp med inkasso og betalingsanmerkninger. Bankene setter alltid pris på at du tar kontakt, og er som regel veldig behjelpelige med å finne en løsning.

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