Setter foten ned for impulslån

Setter foten ned for impulslån

I 2015 viser tall at økningen i forbruksgjeld blant nordmenn var på 15 %. I 2017 økte den med ytterligere 10 %. Dagens tall viser at nordmenn til sammen har forbruksgjeld for 110 milliarder kroner. Dette kommer ved siden av det vi skylder i boliglån og andre lån med pant.

Størrelsen på gjeldsbyrden til private husholdninger har gjort myndighetene samt en rekke organisasjoner og foreninger bekymret. I 2017 bestemte de seg derfor for at de vil sette ned foten for impulslån og forsøke å bremse den norske låneiveren. Dette ønsket de å gjøre blant annet ved å sette ned klare retningslinjer for hvordan markedsføringen kan foregå, eller mer passende kanskje, hvordan den ikke kan foregå.

Ingen markedsføring av uansvarlig låneopptak

Det regjeringen ønsker er et forbud mot den markedsføringen som foregår nå, der det blant annet fremheves at kreditten er lett tilgjengelig. I tillegg ønskes det et forbud mot reklame i ulike kanaler, som dørsalg, adressert reklame eller telefonsalg.

Forslaget inneholder forbud mot å nevne følgende i markedsføringen:

  •         hvor raskt kreditten kan gis
  •         hvor lett tilgjengelig den er
  •         hvor raskt søkeren kan få svar
  •         at det er lav terskel for å få lån
  •         hvor enkel søkeprosessen er

De nye reglene ønsker også systemet med å lokke med gode bonusordninger i forbindelse med kreditten til livs. De nye retningslinjene, som trådte i kraft i siste halvdel av 2017, skal altså være et virkemiddel for å forhindre at nordmenn tar opp dyre forbrukslån på ren impuls.

Begrensede muligheter

Det er altså fremdeles lov å opplyse mulige søkere om hvor lang behandlingstiden er. Det viktige er at denne opplysningen ikke skal ta mer plass i markedsføringen enn plassen det brukes på å fortelle om lånekostnadene. Omtalen av tilleggsgoder, som bonuspoeng og rabatter, kan heller ikke fremheves i større grad enn informasjonen om hva kreditten koster.

Alt gjøres for å begrense fristelsen for vanlige nordmenn til å oppta gjeld uten at vi har fått anledning til å tenke oss godt om. I tillegg skal vi ha kunnskapen om hvilke kostnader lån uten sikkerhet har, og ikke bare kunnskap om hvilke goder det kan medføre.

Det er Forbrukerombudet som har fått jobben som vakthund, og som skal føre tilsyn av alle aktørene på det norske lånemarkedet.

Gode tips til deg som ønsker å ta opp lån

Det vil dukke opp situasjoner i livet der du har behov for å ta opp lån. Det kan være du skal kjøpe bolig eller bil, eller har behov for penger for å reparere sprukne rør eller kjøpe hvitevarer. Det er ikke alltid lommeboken eller sparekontoen strekker til, og med litt planlegging kan et lån uten sikkerhet løse utfordringen for deg.

Et godt råd er å sammenlign lån uten sikkerhet. Prisene, altså den effektive renten, varierer, og det er ingen vits i å betale mer enn nødvendig. Vi sammenligner priser når vi kjøper dyrere forbruksvarer og bør gjøre det samme når vi skal ta opp lån. Det er fremdeles noe som heter at penger spart er penger tjent. Bruk en sammenligningstjeneste til å gjøre denne jobben for deg. Det er både gratis og tidsbesparende.

 

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