{"id":3315,"date":"2015-02-02T19:24:33","date_gmt":"2015-02-02T18:24:33","guid":{"rendered":"http:\/\/www.Financer.com\/?page_id=3315"},"modified":"2024-03-26T08:52:35","modified_gmt":"2024-03-26T07:52:35","slug":"billan","status":"publish","type":"page","link":"https:\/\/financer.com\/sv\/lana-pengar\/billan\/","title":{"rendered":"Bill\u00e5n"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Jmfr_billn_med_lg_rnta\">J\u00e4mf\u00f6r bill\u00e5n med l\u00e5g r\u00e4nta<\/h2>\n\n\n\n<p>Har du hittat en bil du vill k\u00f6pa och beh\u00f6ver ett bill\u00e5n f\u00f6r att finansiera k\u00f6pet? D\u00e5 har du kommit r\u00e4tt. <\/p>\n\n\n\n<p><strong>H\u00e4r kan du j\u00e4mf\u00f6ra bill\u00e5n och olika r\u00e4ntor f\u00f6r att hitta b\u00e4sta alternativ f\u00f6r just dig.<\/strong><\/p>\n\n\n\n<ul>\n<li>Popul\u00e4raste bill\u00e5n 2024 enligt bes\u00f6karna p\u00e5 Financer.com<\/li>\n\n\n\n<li>J\u00e4mf\u00f6r r\u00e4nta och villkor &#8211; s\u00e5 hittar du b\u00e4sta bill\u00e5n<\/li>\n\n\n\n<li>Bill\u00e5n med eller utan s\u00e4kerhet<\/li>\n\n\n\n<li>S\u00e5 importerar du en bil fr\u00e5n utlandet<\/li>\n\n\n\n<li>10 tips n\u00e4r du tar bill\u00e5n<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"S_fungerar_ett_billn\">S\u00e5 fungerar ett bill\u00e5n<\/h3>\n<p>Ett bill\u00e5n kan vara med bilen som s\u00e4kerhet eller utan s\u00e4kerhet.<\/p>\n<ul>\n<li>Du kan l\u00e5na mellan 10 000 \u2013 600 000 kr hos de flesta l\u00e5ngivare, exakt belopp beror p\u00e5 din ekonomiska situation<\/li>\n<li>L\u00e4gg upp l\u00e5net p\u00e5 1 \u2013 20 \u00e5r (oavsett bilens \u00e5lder)<\/li>\n<li>Betalningsanm\u00e4rkningar eller skulder hos Kronofogden accepteras oftast inte<\/li>\n<\/ul>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Lnefretag_i_jmfrelsen\">L\u00e5nef\u00f6retag i j\u00e4mf\u00f6relsen<\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table class=\"has-fixed-layout\"><thead><tr><th>Information<\/th><th>Beskrivning<\/th><\/tr><\/thead><tbody><tr><td>Antal bill\u00e5n i j\u00e4mf\u00f6relsen<\/td><td>9 st<\/td><\/tr><tr><td>L\u00e5nebelopp<\/td><td>5 000 kr \u2013 600 000 kr<\/td><\/tr><tr><td>L\u00f6ptid<\/td><td>1 \u00e5r \u2013 20 \u00e5r<\/td><\/tr><tr><td>R\u00e4nta<\/td><td>3,06% \u2013 33,75%<\/td><\/tr><tr><td>Effektiv r\u00e4nta<\/td><td>3,01% \u2013 33,32%<\/td><\/tr><tr><td><a href=\"https:\/\/financer.com\/sv\/lana-pengar\/utan-uc\/\">Utan UC<\/a><\/td><td>Nej<\/td><\/tr><tr><td>Accepterar betalningsanm\u00e4rkningar<\/td><td>Vissa*<\/td><\/tr><tr><td>Med eller utan s\u00e4kerhet?<\/td><td>Utan<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">* L\u00e5ngivaren g\u00f6r alltid en individuell bed\u00f6mning<\/figcaption><\/figure>\n\n\n<div class=\"fn_block block_fn_button buttons is-flex is-flex-direction-column is-align-items-center\"><a href=\"#top\" class=\"button is-rounded is-primary is-medium is-arrow\" target=\"_self\" >J\u00e4mf\u00f6r b\u00e4sta bill\u00e5n<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Vanliga_frgor_om_billn\">Vanliga fr\u00e5gor om bill\u00e5n<\/h2>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h4>\u00c4r bill\u00e5n utan s\u00e4kerhet eller med s\u00e4kerhet b\u00e4st?<\/h4><div class=\"faq_inner\"><p>Ett bill\u00e5n utan s\u00e4kerhet fungerar som ett vanligt blancol\u00e5n. Du riskerar inte att f\u00f6rlora bilen om du inte klarar av att \u00e5terbetala i tid och beh\u00f6ver inte s\u00e4tta den i pant. Dessa l\u00e5n \u00e4r enklare att f\u00e5 beviljade och mindre kr\u00e5ngliga.<\/p>\n<p>Ett bill\u00e5n med s\u00e4kerhet inneb\u00e4r att du s\u00e4tter bilen som s\u00e4kerhet, vilket kan inneb\u00e4ra att du f\u00e5r l\u00e4gre r\u00e4nta, men det kr\u00e4ver mer arbete fr\u00e5n dig som l\u00e5ntagare.<\/p><\/div><h4>Hur stort bill\u00e5n kan jag ta?<\/h4><div class=\"faq_inner\"> Bill\u00e5n utan s\u00e4kerhet brukar vara p\u00e5 mellan 5 000 kr till 600 000 kr. <\/div><h4>Hur h\u00f6g \u00e4r r\u00e4ntan p\u00e5 bill\u00e5n?<\/h4><div class=\"faq_inner\"><p>R\u00e4ntan s\u00e4tts alltid individuellt och beror p\u00e5 din kreditv\u00e4rdighet och ekonomiska situation. L\u00e5nef\u00f6retagen i v\u00e5r j\u00e4mf\u00f6relse anger runt 4% som den l\u00e4gsta r\u00e4ntan medan den h\u00f6gsta r\u00e4ntan \u00e4r ungef\u00e4r 40%.<\/p>\n<p>Det g\u00e5r inte att svara p\u00e5 i f\u00f6rv\u00e4g vilken exakt r\u00e4nta du kommer att f\u00e5.<\/p><\/div><h4>Beh\u00f6vs en kontantinsats n\u00e4r jag tar ett bill\u00e5n?<\/h4><div class=\"faq_inner\"> Bara om du tar ett bill\u00e5n med s\u00e4kerhet, d\u00e5 kr\u00e4vs en kontantinsats p\u00e5 20%. Om du tar ett bill\u00e5n utan s\u00e4kerhet kr\u00e4vs ingen kontantinsats. <\/div><h4>G\u00e5r det att ta ett bill\u00e5n till en begagnad bil?<\/h4><div class=\"faq_inner\"> Ja, bill\u00e5n g\u00e5r att f\u00e5 till b\u00e5de nya och begagnade bilar. Om l\u00e5net \u00e4r utan s\u00e4kerhet bryr sig inte banken om vad du anv\u00e4nder l\u00e5net till. <\/div><h4>G\u00e5r det att f\u00e5 ett bill\u00e5n med betalningsanm\u00e4rkningar?<\/h4><div class=\"faq_inner\">\n<p>Att f\u00e5 ett bill\u00e5n om du har <a href=\"https:\/\/financer.com\/sv\/lana-pengar\/betalningsanmarkning\/\" data-type=\"URL\" data-id=\"https:\/\/financer.com\/sv\/lana-pengar\/betalningsanmarkning\/\">betalningsanm\u00e4rkningar<\/a> \u00e4r inte enkelt. Om anm\u00e4rkningarna \u00e4r gamla, om din ekonomi \u00e4r god nog i \u00f6vrigt om du har en meds\u00f6kande \u00f6kar chanserna att du f\u00e5r l\u00e5net beviljat trots anm\u00e4rkningar. n<\/p>\n\n<p>\u00a0<\/p><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Vilket_r_det_bsta_billnet_fn_date_formatY\">Vilket \u00e4r det b\u00e4sta bill\u00e5net 2024?<\/h2>\n\n\n\n<p>Enligt Financer.com&#8217;s bes\u00f6kare \u00e4r <a href=\"https:\/\/financer.com\/sv\/foretag\/advisa\/\" data-type=\"company_single\" data-id=\"6393\">Advisa<\/a> det b\u00e4sta bill\u00e5net 2024 med h\u00f6gst betyg.<\/p>\n\n\n\n<p>Med en v\u00e4ldigt enkel ans\u00f6kningsprocess, l\u00e5g r\u00e4nta och h\u00f6g beviljandegrad \u00e4r Advisa ett popul\u00e4rt alternativ f\u00f6r m\u00e5nga som beh\u00f6ver l\u00e5na pengar till k\u00f6p av bil. <\/p>\n\n\n\n<p>N\u00e4r du ans\u00f6ker om bill\u00e5n hos en l\u00e5nef\u00f6rmedlare f\u00e5r du offerter fr\u00e5n flera banker och l\u00e5ngivare &#8211; fr\u00e5n ungef\u00e4r 30 stycken samtidigt. D\u00e4rmed kan du j\u00e4mf\u00f6ra olika alternativ och offerter innan du best\u00e4mmer dig.<\/p>\n\n\n\n<p>R\u00e4ntan kan variera medan det h\u00f6gsta l\u00e5nebeloppet brukar ligga p\u00e5 600 000 kr, men \u00e4ven denna summa \u00e4r individuell.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i4_populra_billn_utan_skerhet\">4 popul\u00e4ra bill\u00e5n utan s\u00e4kerhet<\/h3>\n\n\n\n<p>Nedan ser du 4 popul\u00e4ra l\u00e5n utan s\u00e4kerhet som erbjuder l\u00e5nebelopp upp till 600 000 kr utan s\u00e4kerhet. Samtliga l\u00e5nef\u00f6retag listade \u00e4r <a href=\"https:\/\/financer.com\/sv\/lana-pengar\/laneformedlare\/\">l\u00e5nef\u00f6rmedlare<\/a>.<\/p>\n\n\n<div class=\"fn_block fn-comparison-table\"> <h2 class=\"comparison-table__title-main\"><\/h2>\n <div class=\"comparison-table__binder\">\n <div class=\"comparison-table__dots is-hidden-tablet\">\n <div class=\"comparison-table__dot comparison-table__dot--big\"><\/div>\n <div class=\"comparison-table__dot\"><\/div>\n <div class=\"comparison-table__dot\"><\/div>\n <\/div>\n <div class=\"comparison-table__relative is-content\">\n <div class=\"comparison-table__scroll is-content\">\n <table class=\"comparison-table is-content\" js-data-comparison-table=\"\"\n js-data-affiliate-on-top=\"false\">\n <thead>\n <tr>\n <th>\n <span data-sorting=\"logo\" data-sorting-type=\"asc\" class=\"comparison-table__title\">\n F\u00f6retag <\/span>\n <\/th>\n <th>\n <span data-sorting=\"rating\" data-sorting-type=\"asc\" class=\"comparison-table__title\">\n Allm\u00e4nt betyg <\/span>\n <\/th>\n \n <th> <span data-sorting=\"interest-rate-range\" data-sorting-type=\"asc\" \n class=\"comparison-table__title\"\n title=\"R\u00e4ntespann\">R\u00e4ntespann<\/span><\/th><th> <span data-sorting=\"loan-amount-range\" data-sorting-type=\"asc\" \n class=\"comparison-table__title\"\n title=\"L\u00e5nesumma\">L\u00e5nesumma<\/span><\/th> <th>\n <span data-sorting=\"affiliate\" class=\"comparison-table__title comparison-table__title--button\">\n <\/span>\n <\/th>\n <\/tr>\n <\/thead>\n <tbody>\n <tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Advisa\"\n data-product-id=\"6393\">\n \n <a target=\"_blank\" data-url_param_unq=\"66351afdb1aeb\" data-url_param_pid=\"6393\" rel=\"sponsored nofollow\" href=\"https:\/\/financer.com\/sv\/foretag\/advisa\/redirect\/?unq=66351afdb1aeb\">\n <img decoding=\"async\" title=\"Advisa\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/2\/logo-1-1.png\" alt=\"Advisa\">\n <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.54807692\">\n <a href=\"https:\/\/financer.com\/sv\/foretag\/advisa\/#read-reviews\"><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.5\">4.5<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"3.06\">3,06% &#8211; 29,99%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"5000.00\">5&nbsp;000 kr &#8211; 600&nbsp;000 kr<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n js-data-comparison-table-button=\"\"><a target=\"_blank\" rel=\"sponsored nofollow\" \n href=\"https:\/\/financer.com\/sv\/foretag\/advisa\/redirect\/?unq=66351afdb7f13\" data-url_param_unq=\"66351afdb7f13\" data-url_param_pid=\"6393\" \n class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n Se erbjudande<\/a><\/td><\/tr><tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Zmarta\"\n data-product-id=\"3556\">\n \n <a target=\"_blank\" data-url_param_unq=\"66351afdbe61d\" data-url_param_pid=\"3556\" rel=\"sponsored nofollow\" href=\"https:\/\/financer.com\/sv\/foretag\/zmarta\/redirect\/?unq=66351afdbe61d\">\n <img decoding=\"async\" title=\"Zmarta\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/2\/logo-20.png\" alt=\"Zmarta\">\n <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.34821429\">\n <a href=\"https:\/\/financer.com\/sv\/foretag\/zmarta\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.3\">4.3<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"4.95\">4,95% &#8211; 29,40%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"5000.00\">5&nbsp;000 kr &#8211; 600&nbsp;000 kr<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n js-data-comparison-table-button=\"\"><a target=\"_blank\" rel=\"sponsored nofollow\" \n href=\"https:\/\/financer.com\/sv\/foretag\/zmarta\/redirect\/?unq=66351afdc3726\" data-url_param_unq=\"66351afdc3726\" data-url_param_pid=\"3556\" \n class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n Se erbjudande<\/a><\/td><\/tr><tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Lendo\"\n data-product-id=\"4199\">\n \n <a target=\"_blank\" data-url_param_unq=\"66351afdcac4d\" data-url_param_pid=\"4199\" rel=\"sponsored nofollow\" href=\"https:\/\/financer.com\/sv\/foretag\/lendo\/redirect\/?unq=66351afdcac4d\">\n <img decoding=\"async\" title=\"Lendo\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/2\/logo-8.png\" alt=\"Lendo\">\n <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.39324324\">\n <a href=\"https:\/\/financer.com\/sv\/foretag\/lendo\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.4\">4.4<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"4.70\">4,70% &#8211; 33,75%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"10000.00\">10&nbsp;000 kr &#8211; 600&nbsp;000 kr<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n js-data-comparison-table-button=\"\"><a target=\"_blank\" rel=\"sponsored nofollow\" \n href=\"https:\/\/financer.com\/sv\/foretag\/lendo\/redirect\/?unq=66351afdd0b85\" data-url_param_unq=\"66351afdd0b85\" data-url_param_pid=\"4199\" \n class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n Se erbjudande<\/a><\/td><\/tr><tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"L\u00e5nekoll\"\n data-product-id=\"4941\">\n \n <a target=\"_blank\" data-url_param_unq=\"66351afdd7e39\" data-url_param_pid=\"4941\" rel=\"sponsored nofollow\" href=\"https:\/\/financer.com\/sv\/foretag\/lanekoll\/redirect\/?unq=66351afdd7e39\">\n <img decoding=\"async\" title=\"L\u00e5nekoll\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/2\/lanekoll-logotyp-300x100-1.png\" alt=\"L\u00e5nekoll\">\n <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"3.03125000\">\n <a href=\"https:\/\/financer.com\/sv\/foretag\/lanekoll\/#read-reviews\"><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"3\">3.0<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"4.90\">4,90% &#8211; 28,00%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"10000.00\">10&nbsp;000 kr &#8211; 600&nbsp;000 kr<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n js-data-comparison-table-button=\"\"><a target=\"_blank\" rel=\"sponsored nofollow\" \n href=\"https:\/\/financer.com\/sv\/foretag\/lanekoll\/redirect\/?unq=66351afddccb7\" data-url_param_unq=\"66351afddccb7\" data-url_param_pid=\"4941\" \n class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n Se erbjudande<\/a><\/td><\/tr> <\/tbody>\n <\/table>\n <\/div>\n <table class=\"comparison-table comparison-table--content-logo is-hidden-mobile\">\n <thead>\n <tr>\n <th>\n <span data-sorting=\"logo\" data-sorting-type=\"asc\" class=\"comparison-table__title\">\n F\u00f6retag <\/span>\n <\/th>\n <\/tr>\n <\/thead>\n <tbody>\n <tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Advisa\"\n data-product-id=\"6393\">\n \n <a target=\"_blank\" data-url_param_unq=\"66351afdb7f60\" data-url_param_pid=\"6393\" rel=\"sponsored nofollow\" href=\"https:\/\/financer.com\/sv\/foretag\/advisa\/redirect\/?unq=66351afdb7f60\">\n <img decoding=\"async\" title=\"Advisa\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/2\/logo-1-1.png\" alt=\"Advisa\">\n <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Zmarta\"\n data-product-id=\"3556\">\n \n <a target=\"_blank\" data-url_param_unq=\"66351afdc3790\" data-url_param_pid=\"3556\" rel=\"sponsored nofollow\" href=\"https:\/\/financer.com\/sv\/foretag\/zmarta\/redirect\/?unq=66351afdc3790\">\n <img decoding=\"async\" title=\"Zmarta\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/2\/logo-20.png\" alt=\"Zmarta\">\n <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Lendo\"\n data-product-id=\"4199\">\n \n <a target=\"_blank\" data-url_param_unq=\"66351afdd0be4\" data-url_param_pid=\"4199\" rel=\"sponsored nofollow\" href=\"https:\/\/financer.com\/sv\/foretag\/lendo\/redirect\/?unq=66351afdd0be4\">\n <img decoding=\"async\" title=\"Lendo\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/2\/logo-8.png\" alt=\"Lendo\">\n <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"L\u00e5nekoll\"\n data-product-id=\"4941\">\n \n <a target=\"_blank\" data-url_param_unq=\"66351afddcd03\" data-url_param_pid=\"4941\" rel=\"sponsored nofollow\" href=\"https:\/\/financer.com\/sv\/foretag\/lanekoll\/redirect\/?unq=66351afddcd03\">\n <img decoding=\"async\" title=\"L\u00e5nekoll\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/2\/lanekoll-logotyp-300x100-1.png\" alt=\"L\u00e5nekoll\">\n <\/a><\/td><\/tr> <\/tbody>\n <\/table>\n <table class=\"comparison-table comparison-table--content-button is-hidden-mobile\">\n <thead>\n <tr>\n <th>Se erbjudande<\/th>\n <\/tr>\n <\/thead>\n <tbody>\n <tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n js-data-comparison-table-button=\"\"><a target=\"_blank\" rel=\"sponsored nofollow\" \n href=\"https:\/\/financer.com\/sv\/foretag\/advisa\/redirect\/?unq=66351afdbbe34\" data-url_param_unq=\"66351afdbbe34\" data-url_param_pid=\"6393\" \n class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n Se erbjudande<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n js-data-comparison-table-button=\"\"><a target=\"_blank\" rel=\"sponsored nofollow\" \n href=\"https:\/\/financer.com\/sv\/foretag\/zmarta\/redirect\/?unq=66351afdc7e76\" data-url_param_unq=\"66351afdc7e76\" data-url_param_pid=\"3556\" \n class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n Se erbjudande<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n js-data-comparison-table-button=\"\"><a target=\"_blank\" rel=\"sponsored nofollow\" \n href=\"https:\/\/financer.com\/sv\/foretag\/lendo\/redirect\/?unq=66351afdd4e2e\" data-url_param_unq=\"66351afdd4e2e\" data-url_param_pid=\"4199\" \n class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n Se erbjudande<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n js-data-comparison-table-button=\"\"><a target=\"_blank\" rel=\"sponsored nofollow\" \n href=\"https:\/\/financer.com\/sv\/foretag\/lanekoll\/redirect\/?unq=66351afde1211\" data-url_param_unq=\"66351afde1211\" data-url_param_pid=\"4941\" \n class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n Se erbjudande<\/a><\/td><\/tr> <\/tbody>\n <\/table>\n <table class=\"comparison-table comparison-table--mobile is-content is-hidden-tablet\"\n js-data-comparison-table=\"\" js-data-affiliate-on-top=\"false\">\n <thead>\n <tr>\n <th style=\"width: 125px\">\n <span data-sorting=\"logo\" data-sorting-type=\"asc\" class=\"comparison-table__title\">\n F\u00f6retag <\/span>\n <\/th>\n <th>\n <span data-sorting=\"rating\" data-sorting-type=\"asc\" class=\"comparison-table__title\">\n Allm\u00e4nt betyg <\/span>\n <\/th>\n <th> <span data-sorting=\"interest-rate-range\" data-sorting-type=\"asc\" \n class=\"comparison-table__title\"\n title=\"R\u00e4ntespann\">R\u00e4ntespann<\/span><\/th><th> <span data-sorting=\"loan-amount-range\" data-sorting-type=\"asc\" \n class=\"comparison-table__title\"\n title=\"L\u00e5nesumma\">L\u00e5nesumma<\/span><\/th> <th>Se erbjudande <\/th>\n <\/tr>\n <\/thead>\n <tbody>\n <tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Advisa\"\n data-product-id=\"6393\">\n \n <a target=\"_blank\" data-url_param_unq=\"66351afdb1aeb\" data-url_param_pid=\"6393\" rel=\"sponsored nofollow\" href=\"https:\/\/financer.com\/sv\/foretag\/advisa\/redirect\/?unq=66351afdb1aeb\">\n <img decoding=\"async\" title=\"Advisa\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/2\/logo-1-1.png\" alt=\"Advisa\">\n <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.54807692\">\n <a href=\"https:\/\/financer.com\/sv\/foretag\/advisa\/#read-reviews\"><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.5\">4.5<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"3.06\">3,06% &#8211; 29,99%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"5000.00\">5&nbsp;000 kr &#8211; 600&nbsp;000 kr<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n js-data-comparison-table-button=\"\"><a target=\"_blank\" rel=\"sponsored nofollow\" \n href=\"https:\/\/financer.com\/sv\/foretag\/advisa\/redirect\/?unq=66351afdb7f13\" data-url_param_unq=\"66351afdb7f13\" data-url_param_pid=\"6393\" \n class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n Se erbjudande<\/a><\/td><\/tr><tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Zmarta\"\n data-product-id=\"3556\">\n \n <a target=\"_blank\" data-url_param_unq=\"66351afdbe61d\" data-url_param_pid=\"3556\" rel=\"sponsored nofollow\" href=\"https:\/\/financer.com\/sv\/foretag\/zmarta\/redirect\/?unq=66351afdbe61d\">\n <img decoding=\"async\" title=\"Zmarta\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/2\/logo-20.png\" alt=\"Zmarta\">\n <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.34821429\">\n <a href=\"https:\/\/financer.com\/sv\/foretag\/zmarta\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.3\">4.3<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"4.95\">4,95% &#8211; 29,40%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"5000.00\">5&nbsp;000 kr &#8211; 600&nbsp;000 kr<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n js-data-comparison-table-button=\"\"><a target=\"_blank\" rel=\"sponsored nofollow\" \n href=\"https:\/\/financer.com\/sv\/foretag\/zmarta\/redirect\/?unq=66351afdc3726\" data-url_param_unq=\"66351afdc3726\" data-url_param_pid=\"3556\" \n class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n Se erbjudande<\/a><\/td><\/tr><tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Lendo\"\n data-product-id=\"4199\">\n \n <a target=\"_blank\" data-url_param_unq=\"66351afdcac4d\" data-url_param_pid=\"4199\" rel=\"sponsored nofollow\" href=\"https:\/\/financer.com\/sv\/foretag\/lendo\/redirect\/?unq=66351afdcac4d\">\n <img decoding=\"async\" title=\"Lendo\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/2\/logo-8.png\" alt=\"Lendo\">\n <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.39324324\">\n <a href=\"https:\/\/financer.com\/sv\/foretag\/lendo\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.4\">4.4<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"4.70\">4,70% &#8211; 33,75%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"10000.00\">10&nbsp;000 kr &#8211; 600&nbsp;000 kr<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n js-data-comparison-table-button=\"\"><a target=\"_blank\" rel=\"sponsored nofollow\" \n href=\"https:\/\/financer.com\/sv\/foretag\/lendo\/redirect\/?unq=66351afdd0b85\" data-url_param_unq=\"66351afdd0b85\" data-url_param_pid=\"4199\" \n class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n Se erbjudande<\/a><\/td><\/tr><tr class=\"comparison-table__row\" data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"L\u00e5nekoll\"\n data-product-id=\"4941\">\n \n <a target=\"_blank\" data-url_param_unq=\"66351afdd7e39\" data-url_param_pid=\"4941\" rel=\"sponsored nofollow\" href=\"https:\/\/financer.com\/sv\/foretag\/lanekoll\/redirect\/?unq=66351afdd7e39\">\n <img decoding=\"async\" title=\"L\u00e5nekoll\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/2\/lanekoll-logotyp-300x100-1.png\" alt=\"L\u00e5nekoll\">\n <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"3.03125000\">\n <a href=\"https:\/\/financer.com\/sv\/foretag\/lanekoll\/#read-reviews\"><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"3\">3.0<\/span><\/a><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"4.90\">4,90% &#8211; 28,00%<\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"10000.00\">10&nbsp;000 kr &#8211; 600&nbsp;000 kr<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n js-data-comparison-table-button=\"\"><a target=\"_blank\" rel=\"sponsored nofollow\" \n href=\"https:\/\/financer.com\/sv\/foretag\/lanekoll\/redirect\/?unq=66351afddccb7\" data-url_param_unq=\"66351afddccb7\" data-url_param_pid=\"4941\" \n class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n Se erbjudande<\/a><\/td><\/tr> <\/tbody>\n <\/table>\n <\/div>\n <\/div>\n\n <\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"S_jmfr_du_billn_hos_Financercom\">S\u00e5 j\u00e4mf\u00f6r du bill\u00e5n hos Financer.com<\/h2>\n\n\n<div class=\"single-article__steps\"> <style>\n .single-article__steps-items .single-article__steps-content{\n background:#FFFFFF;\n padding:30px;\n margin:0 0 30px 0;\n border-radius:10px;\n box-shadow:0 0 10px 0 rgba(0,0,0,0.14);\n width:calc(100% - 5px);\n}\n .single-article__steps-items .single-article__steps-counter{\n padding:5px 20px;\n border-radius:3px;\n background-color:#F5E7D8;\n display:inline-block;\n top:15px;\n left:-30px;\n position:relative;\n font-size:16px;\n font-weight:600;\n}\n\/* .single-article__steps-items::before{\n content:\"\";\n position:absolute;\n top:20px;\n left:0;\n height:calc(100% + 40px);\n border-left:2px dashed #e0e0e1;\n}*\/\n .single-article__conclusion-tag{\n padding:5px 20px;\n border-radius:3px;\n color:#000000;\n background-color:#F5E7D8;\n display:inline-block;\n top:15px;\n left:-30px;\n position:relative;\n font-size:16px;\n font-weight:600;\n}\n .single-article__conclusion-item{\n background:#FFFFFF;\n padding:30px;\n margin:0 0 30px 0;\n border-radius:10px;\n box-shadow:0 0 10px 0 rgba(0,0,0,0.14);\n}\n <\/style>\n <div class=\"single-article__steps-items\"><div class=\"single-article__steps-counter\" id=\"step_1\">Steg 1<\/div><div class=\"single-article__steps-content\"><h3 id=\"Jamfor-billan\">J\u00e4mf\u00f6r bill\u00e5n<\/h3> H\u00f6gst upp p\u00e5 sidan \u00e4r en tabell med de 9 b\u00e4sta bill\u00e5nen. J\u00e4mf\u00f6r alternativen och sortera listan efter r\u00e4nta, l\u00e5nebelopp, effektiv r\u00e4nta eller annat som \u00e4r relevant. <\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Steg 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Las-mer\">L\u00e4s mer<\/h3> Vill du veta mer om respektive bill\u00e5n? S\u00f6k d\u00e5 p\u00e5 f\u00f6retagsnamnet h\u00f6gst upp till h\u00f6ger f\u00f6r en komplett recension av respektive l\u00e5ngivare. <\/div><div class=\"single-article__steps-counter\" id=\"step_3\">Steg 3<\/div><div class=\"single-article__steps-content\"><h3 id=\"Besok-laneforetagets-hemsida-och-ansok\">Bes\u00f6k l\u00e5nef\u00f6retagets hemsida och ans\u00f6k<\/h3><p>Klicka p\u00e5 knappen &#8221;se erbjudande&#8221; till h\u00f6ger i tabellen f\u00f6r att komma till l\u00e5nef\u00f6retagets hemsida d\u00e4r du g\u00f6r en ans\u00f6kan.<\/p>\n<p>Stegen f\u00f6r att g\u00f6ra en ans\u00f6kan brukar vara:<\/p>\n<ul>\n<li>Ange l\u00e5nebelopp<\/li>\n<li>Ange \u00f6nskad \u00e5terbetalningstid<\/li>\n<li>Ange om du vill samla l\u00e5n<\/li>\n<li>Fyll i personliga uppgifter<\/li>\n<li>Ange mobilnummer<\/li>\n<li>Signera med BankID<\/li>\n<\/ul><\/div><div class=\"single-article__steps-counter\" id=\"step_4\">Steg 4<\/div><div class=\"single-article__steps-content\"><h3 id=\"Avvakta-svar\">Avvakta svar<\/h3> N\u00e4r du skickat in ans\u00f6kan beh\u00f6ver du v\u00e4nta p\u00e5 svar. Ibland f\u00e5r du svar direkt p\u00e5 sk\u00e4rmen, ibland kan du beh\u00f6va v\u00e4nta upp till 48 timmar. <\/div><div class=\"single-article__steps-counter\" id=\"step_5\">Steg 5<\/div><div class=\"single-article__steps-content\"><h3 id=\"Acceptera-villkoren\">Acceptera villkoren<\/h3> N\u00e4r du tagit emot ett erbjudande signerar du det med BankID (om du accepterar villkoren). Om villkoren \u00e4r d\u00e5liga eller om du tror att du inte klarar av \u00e5terbetalningen \u00e4r du fri att f\u00f6rkasta avtalet. <\/div><div class=\"single-article__steps-counter\" id=\"step_6\">Steg 6<\/div><div class=\"single-article__steps-content\"><h3 id=\"Pengarna-pa-kontot\">Pengarna p\u00e5 kontot<\/h3> Pengarna betalas oftast ut inom 1-3 arbetsdagar till ditt privata bankkonto. <\/div><\/div> <div class=\"single-article__conclusion\">\n <div class=\"single-article__conclusion-tag\" id=\"step_7\">Kreditupplysning<\/div>\n <div class=\"single-article__conclusion-item\">\n <div class=\"single-article__conclusion-content\">\n I samband med att du ans\u00f6ker om ett bill\u00e5n kommer l\u00e5ngivaren (eller l\u00e5nef\u00f6rmedlaren) ta en kreditupplysning hos UC p\u00e5 dig. Detta g\u00f6r de f\u00f6r att s\u00e4kerst\u00e4lla att din ekonomi \u00e4r god nog. <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Billn_utan_skerhet_och_utan_kontantinsats\">Bill\u00e5n utan s\u00e4kerhet och utan kontantinsats<\/h2>\n\n\n\n<p>Ett bill\u00e5n utan s\u00e4kerhet (eller utan kontantinsats) \u00e4r f\u00f6r dig som inte har r\u00e5d att bekosta handpenningen f\u00f6r ett traditionellt bill\u00e5n med s\u00e4kerhet. <\/p>\n\n\n\n<p>Enligt lag f\u00e5r ett bill\u00e5n med s\u00e4kerhet inte uppg\u00e5 till mer \u00e4n 80 % av bilens v\u00e4rde &#8211; resterande 20 % m\u00e5ste tas ur egen ficka. <\/p>\n\n\n\n<p>Kan du inte betala dessa 20 % kan ett bill\u00e5n utan s\u00e4kerhet och utan kontantinsats vara ett alternativ. L\u00e5net t\u00e4cker d\u00e5 hela kostnaden f\u00f6r bilen.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Krav_fu00f6r_billu00e5n_utan_su00e4kerhet_och_utan_kontantinsats\">Krav f\u00f6r bill\u00e5n utan s\u00e4kerhet och utan kontantinsats<\/h3><ul id=\"block-76014fd3-57dd-4bd8-afd8-7ab17b787084\" class=\"is-style-default block-editor-block-list__block wp-block is-selected rich-text block-editor-rich-text__editable is-hovered wp-block\" role=\"textbox\" aria-label=\"Skriv lista\u2026\" data-block=\"76014fd3-57dd-4bd8-afd8-7ab17b787084\" data-type=\"core\/list\" data-title=\"Lista\" data-focus-visible-added=\"\">\n<li>Du kan vanligtvis l\u00e5na mellan 10\u00a0000 \u2013 600\u00a0000 kr (beroende p\u00e5 din\u00a0<a href=\"https:\/\/financer.com\/sv\/lana-pengar\/kreditvardighet\/\">kreditv\u00e4rdighet<\/a>) med en l\u00f6ptid p\u00e5 1\u201315 \u00e5r<\/li>\n<li>Du f\u00e5r l\u00e5na upp till 100 % av bilens kostna<\/li>\n<li>Det spelar ingen roll hur gammal bilen \u00e4r eller vilket skick den \u00e4r i<\/li>\n<li>K\u00f6p bilen av vem som helst &#8211; av en v\u00e4n, sl\u00e4kting eller fr\u00e5n en privatperson p\u00e5 Blocket<\/li>\n<\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"i5_saker_att_tnka_p_innan_du_tar_billn_utan_kontantinsats\">5 saker att t\u00e4nka p\u00e5 innan du tar bill\u00e5n utan kontantinsats<\/h3>\n\n\n\n<p>Om du planerar att ans\u00f6ka om ett bill\u00e5n utan att anv\u00e4nda en kontantinsats finns en del saker att t\u00e4nka p\u00e5.<\/p>\n\n\n\n<ol>\n<li>Beh\u00f6ver du verkligen ta ett l\u00e5n utan s\u00e4kerhet eller kan du spara ihop till handpenningen p\u00e5 egen hand?<\/li>\n\n\n\n<li>Vilken typ av bil planerar du att k\u00f6pa? \u00c4r det ett renoveringsobjekt \u00e4r ett bill\u00e5n utan s\u00e4kerhet ditt enda val. Men f\u00f6r en dyrare bil som kostar mer \u00e4n 600\u00a0000 kr beh\u00f6ver du ta ett bill\u00e5n med s\u00e4kerhet.<\/li>\n\n\n\n<li>Klarar du av \u00e5terbetalningen? Se \u00f6ver din ekonomi och planera \u00e5terbetalningen d\u00e4refter. Om du riskerar att f\u00f6rlora din fasta inkomst kan ett\u00a0<a href=\"https:\/\/financer.com\/sv\/lana-pengar\/laneskydd\/\">l\u00e5neskydd<\/a>\u00a0eller en\u00a0inkomstf\u00f6rs\u00e4kring vara smart.<\/li>\n\n\n\n<li>Ju l\u00e4ngre l\u00e5nets l\u00f6ptid \u00e4r desto dyrare blir l\u00e5net. Fr\u00e5ga dig sj\u00e4lv vad som \u00e4r viktigast &#8211; en l\u00e4gre m\u00e5nadskostnad eller att bli av med l\u00e5net snabbare.<\/li>\n\n\n\n<li>Har du betalningsanm\u00e4rkningar b\u00f6r du se \u00f6ver vilka banker och l\u00e5ngivare som accepterar detta och se \u00f6ver deras l\u00e5nevillkor.<\/li>\n<\/ol>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Billu00e5n_utan_su00e4kerhet_u00e4r_samma_sak_som_ett_privatlu00e5n\">Bill\u00e5n utan s\u00e4kerhet \u00e4r samma sak som ett privatl\u00e5n<\/h3> Ett bill\u00e5n utan s\u00e4kerhet, ett bill\u00e5n utan kontantinsats och ett <a href=\"https:\/\/financer.com\/sv\/lana-pengar\/privatlan\/\" data-type=\"page\" data-id=\"1833\">vanligt privatl\u00e5n<\/a> \u00e4r egentligen samma sak. Ett l\u00e5n utan pant som \u00e4r till f\u00f6r privat konsumtion. <\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Nr_kan_ett_billn_utan_skerhet_vara_en_bra_lsning\">N\u00e4r kan ett bill\u00e5n utan s\u00e4kerhet vara en bra l\u00f6sning?<\/h3>\n\n\n\n<p>Ett bill\u00e5n utan s\u00e4kerhet har b\u00e5de f\u00f6rdelar och nackdelar. Men det finns tre tillf\u00e4llen d\u00e5 det oftast \u00e4r b\u00e4ttre att l\u00e5na utan s\u00e4kerhet.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">1. Om du k\u00f6per en \u00e4ldre bil<\/h4>\n\n\n\n<p>Planerar du att k\u00f6pa en \u00e4ldre bil \u00e4r ett bill\u00e5n utan s\u00e4kerhet det b\u00e4sta och f\u00f6rmodligen det enda valet. \u00c5ldern p\u00e5 bilen spelar ingen roll och du kan oftast l\u00e4gga upp bill\u00e5net p\u00e5 upp till 15 \u00e5r. <\/p>\n\n\n\n<p>Om du tar ett bill\u00e5n som kr\u00e4ver en s\u00e4kerhet \u00e4r det inte m\u00f6jligt eftersom bilen aldrig f\u00e5r vara \u00e4ldre \u00e4n 8 &#8211; 12 \u00e5r innan du har betalat tillbaka hela l\u00e5net. <\/p>\n\n\n\n<p>Det inneb\u00e4r antingen att du m\u00e5ste betala tillbaka p\u00e5 l\u00e5net under f\u00e4rre \u00e5r eller att du inte f\u00e5r l\u00e5na alls om du k\u00f6per en bil som \u00e4r 12 \u00e5r eller \u00e4ldre.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">2. Om du k\u00f6per av en privatperson<\/h4>\n\n\n\n<p>Du f\u00e5r inte <a rel=\"noreferrer noopener\" href=\"https:\/\/www.hallakonsument.se\/varor-och-tjanster\/kopa-bil-av-privatperson\/\" target=\"_blank\">k\u00f6pa en bil fr\u00e5n en privatperson<\/a> om du tar ett bill\u00e5n med s\u00e4kerhet, men det f\u00e5r du g\u00f6ra om du tar ett bill\u00e5n utan s\u00e4kerhet. <\/p>\n\n\n\n<p>En l\u00e5ngivare \u00e4r inte intresserad av vad du anv\u00e4nder ett bill\u00e5n utan s\u00e4kerhet till (samma som med ett privatl\u00e5n). Bilens skick, \u00e5lder eller vem du k\u00f6per den av spelar ingen roll.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">3. Om du vill l\u00e5na till hela bilen<\/h4>\n\n\n\n<p>Du f\u00e5r oftast l\u00e5na 100 % av bilens v\u00e4rde n\u00e4r du tar ett bill\u00e5n utan s\u00e4kerhet vilket \u00e4r bra om du inte har sparpengar att ta av.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Billn_med_skerhet\">Bill\u00e5n med s\u00e4kerhet<\/h2>\n\n\n\n<p>Om du planerar att k\u00f6pa en dyrare bil som kostar mer \u00e4n 600\u00a0000 kr \u00e4r ett bill\u00e5n med s\u00e4kerhet sannolikt det enda alternativet. <\/p>\n\n\n\n<p>Bilens v\u00e4rde\u00a0och din ekonomi avg\u00f6r hur mycket du f\u00e5r l\u00e5na. Bilen fungerar sedan som en slags &#8221;pant&#8221; om du inte klarar av att \u00e5terbetala bill\u00e5net.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Billu00e5n_med_su00e4kerhet_har_ofta_bu00e4ttre_villkor\">Bill\u00e5n med s\u00e4kerhet har ofta b\u00e4ttre villkor<\/h3><p>Ett bill\u00e5n med s\u00e4kerhet \u00e4r oftast n\u00e5got billigare \u00e4n ett bill\u00e5n utan s\u00e4kerhet. Normalt sett brukar bill\u00e5n med s\u00e4kerhet ha en l\u00e4gre r\u00e4nta och b\u00e4ttre villkor.<\/p>\n<p>Anledningen \u00e4r att ett l\u00e5n med s\u00e4kerhet \u00e4r mindre riskabelt f\u00f6r l\u00e5ngivaren eftersom bilen fungerar som pant.<\/p><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Krav_fr_billn_med_skerhet\">Krav f\u00f6r bill\u00e5n med s\u00e4kerhet<\/h3>\n\n\n\n<p id=\"block-098d37fc-9db1-4526-9843-bd474f72b95a\">Tar du ett bill\u00e5n med s\u00e4kerhet f\u00e5r bilen du k\u00f6per inte vara f\u00f6r gammal och m\u00e5ste vara i ett relativt gott skick. Den m\u00e5ste dessutom k\u00f6pas av en godk\u00e4nd bilhandlare och 20 % av kostnaden m\u00e5ste du st\u00e5 f\u00f6r sj\u00e4lv.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"S_fungerar_ett_billn_med_skerhet\">S\u00e5 fungerar ett bill\u00e5n med s\u00e4kerhet<\/h3>\n\n\n\n<ul>\n<li>Du f\u00e5r l\u00e5na s\u00e5 mycket som din ekonomi klarar av &#8211; det finns inget generellt tak.<\/li>\n\n\n\n<li>L\u00e5net kan l\u00e4ggas upp p\u00e5 8 \u2013 12 \u00e5r beroende p\u00e5 bank samt att bilen inte f\u00e5r vara \u00e4ldre \u00e4n 12 \u00e5r innan l\u00e5net \u00e4r \u00e5terbetalt.<\/li>\n\n\n\n<li>Upp till 80 % av vad bilens v\u00e4rde kan bel\u00e5nas, resten m\u00e5ste du betala sj\u00e4lv eller t\u00e4cka med ett privatl\u00e5n.<\/li>\n\n\n\n<li>Bilen m\u00e5ste k\u00f6pas av en auktoriserad bilhandlare.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Billn_fr_en_importerad_bil\">Bill\u00e5n f\u00f6r en importerad bil<\/h2>\n\n\n\n<p>M\u00e5nga svenskar importerar sin bil fr\u00e5n ett annat EU-land eftersom det inte tillkommer n\u00e5gon tullavgift f\u00f6r importen. <\/p>\n\n\n\n<p>Man kan komma betydligt billigare undan genom att importera bilen j\u00e4mf\u00f6rt med att k\u00f6pa den i Sverige, speciellt om man importerar en b\u00e4ttre begagnad bil. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"u00c4ldre_bilar_u00e4r_momsbefriade\">\u00c4ldre bilar \u00e4r momsbefriade<\/h3> Om bilen g\u00e5tt mer \u00e4n 6000 mil och \u00e4r \u00f6ver ett halv\u00e5r gammal beh\u00f6ver man inte ens betala moms f\u00f6r den importerade bilen. <\/div>\n\n\n<p>Oavsett \u00e4r det fullt m\u00f6jligt att f\u00e5 ett bill\u00e5n beviljat vid en import fr\u00e5n annat EU-land.<\/p>\n\n\n\n<ul>\n<li>Om du importerar bilen sj\u00e4lv kan du ta ett bill\u00e5n utan s\u00e4kerhet. Bill\u00e5n med s\u00e4kerhet g\u00e5r d\u00e4remot inte eftersom det kr\u00e4ver att du k\u00f6per bilen fr\u00e5n en godk\u00e4nd svensk bilhandlare.<\/li>\n\n\n\n<li>Om du importerar bilen via en godk\u00e4nd svensk bilhandlare kan du antingen ta ett bill\u00e5n utan s\u00e4kerhet eller med s\u00e4kerhet.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"i5_avslutande_tips_nr_du_ska_lna_pengar_till_bil\">5 avslutande tips n\u00e4r du ska l\u00e5na pengar till bil<\/h2>\n\n\n\n<p>Naturligtvis vill du ha ett bill\u00e5n med s\u00e5 l\u00e5g r\u00e4nta som m\u00f6jligt. F\u00f6r att f\u00e5 ett billigt bill\u00e5n finns ett antal saker att t\u00e4nka p\u00e5. <\/p>\n\n\n\n<p><strong>D\u00e4rf\u00f6r f\u00e5r du h\u00e4r 5 avslutande tips f\u00f6r att f\u00e5 s\u00e5 l\u00e5g r\u00e4nta som m\u00f6jligt p\u00e5 ditt bill\u00e5n.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Tips_1___jmfr_p_Financercom\">Tips 1 &#8211; j\u00e4mf\u00f6r p\u00e5 Financer.com<\/h3>\n\n\n\n<p>J\u00e4mf\u00f6r bill\u00e5n, r\u00e4nta och \u00f6vriga l\u00e5nekostnader h\u00e4r p\u00e5 Financer.com f\u00f6rst. D\u00e5 ser du enkelt och snabbt vilka banker som erbjuder de b\u00e4sta villkoren f\u00f6r just dig.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Tips_2___rntan_stts_individuellt\">Tips 2 &#8211; r\u00e4ntan s\u00e4tts individuellt<\/h3>\n\n\n\n<p>Ans\u00f6k hos flera banker och l\u00e5ngivare f\u00f6r att se vilka som har b\u00e4st villkor. R\u00e4ntan s\u00e4tts individuellt vilket inneb\u00e4r att den bank som \u00e4r billigast f\u00f6r en person inte n\u00f6dv\u00e4ndigtvis beh\u00f6ver vara billigast f\u00f6r dig.<\/p>\n\n\n\n<p>Sj\u00e4lva ans\u00f6kan om ett bill\u00e5n \u00e4r gratis hos de absolut flesta l\u00e5ngivare.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Tips_3___anvnd_en_lnefrmedlare\">Tips 3 &#8211; anv\u00e4nd en l\u00e5nef\u00f6rmedlare<\/h3>\n\n\n\n<p>Om du inte vill g\u00f6ra flera ans\u00f6kningar och undvika att varje l\u00e5nef\u00f6retag g\u00f6r sin egen kreditupplysning p\u00e5 dig, \u00e4r det b\u00e4ttre att v\u00e4nda sig till en l\u00e5nef\u00f6rmedlare. <\/p>\n\n\n\n<p><strong>En l\u00e5nef\u00f6rmedlare tar endast en kreditupplysning men f\u00e5r offerter fr\u00e5n flera l\u00e5nef\u00f6retag samtidigt.\u00a0<\/strong><\/p>\n\n\n\n<p>N\u00e4r l\u00e5nef\u00f6rmedlaren tagit emot offerter fr\u00e5n l\u00e5nef\u00f6retagen kan du j\u00e4mf\u00f6ra alternativen.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Tips_4___vnd_dig_till_din_befintliga_bank\">Tips 4 &#8211; v\u00e4nd dig till din befintliga bank<\/h3>\n\n\n\n<p>Det kan l\u00f6na sig att bli helkund hos din bank. Banker tycker om helkunder &#8211; s\u00e4g d\u00e4rf\u00f6r till banken att du \u00e4r villig att\u00a0bli privatkund\u00a0hos dem ocks\u00e5 (om du verkligen \u00e4r det), om du f\u00e5r en l\u00e4gre r\u00e4nta p\u00e5 bill\u00e5net.\u00a0<\/p>\n\n\n\n<p>Om de inte ger dig b\u00e4ttre villkor kan du ist\u00e4llet v\u00e4nda dig till en annan bank vilket leder oss in p\u00e5 n\u00e4sta tips.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Tips_5___spela_banker_och_lngivare_mot_varandra\">Tips 5 &#8211; spela banker och l\u00e5ngivare mot varandra<\/h3>\n\n\n\n<p>Spela bankerna mot varandra. Om du ser att en annan bank kan ge dig en l\u00e5g r\u00e4nta, n\u00e4mn det f\u00f6r den f\u00f6rsta banken och fr\u00e5ga om de kan erbjuda en \u00e4nnu l\u00e4gre r\u00e4nta.<\/p>\n\n\n\n<p>Var inte r\u00e4dd f\u00f6r att s\u00e4ga nej till ett erbjudande om villkoren \u00e4r f\u00f6r d\u00e5liga. Oftast st\u00e5r erbjudandet kvar om du vid ett senare tillf\u00e4lle \u00e5ngrar dig och vill ha l\u00e5net.<\/p>\n\n\n\n<p>Precis som med andra l\u00e5netyper b\u00f6r du <strong>alltid j\u00e4mf\u00f6ra bill\u00e5n<\/strong> innan du best\u00e4mmer dig. H\u00f6gst upp p\u00e5 sidan hittar du de mest popul\u00e4ra bill\u00e5nen hos bes\u00f6karna p\u00e5 Financer.com.<\/p>\n\n\n<div class=\"fn_block block_fn_button buttons is-flex is-flex-direction-column is-align-items-center\"><a href=\"#top\" class=\"button is-rounded is-primary is-normal is-fullwidth\" target=\"_self\" >J\u00e4mf\u00f6r 9 b\u00e4sta bill\u00e5n<\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>J\u00e4mf\u00f6r bill\u00e5n med l\u00e5g r\u00e4nta Har du hittat en bil du vill k\u00f6pa och beh\u00f6ver ett bill\u00e5n f\u00f6r att finansiera\u2026 <\/p>\n","protected":false},"author":7033,"featured_media":75015,"parent":5080,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_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":"","ep_exclude_from_search":false,"footnotes":""},"categories":[],"tags":[1300,56,55],"_links":{"self":[{"href":"https:\/\/financer.com\/sv\/wp-json\/wp\/v2\/pages\/3315"}],"collection":[{"href":"https:\/\/financer.com\/sv\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.com\/sv\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financer.com\/sv\/wp-json\/wp\/v2\/users\/7033"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.com\/sv\/wp-json\/wp\/v2\/comments?post=3315"}],"version-history":[{"count":50,"href":"https:\/\/financer.com\/sv\/wp-json\/wp\/v2\/pages\/3315\/revisions"}],"predecessor-version":[{"id":77169,"href":"https:\/\/financer.com\/sv\/wp-json\/wp\/v2\/pages\/3315\/revisions\/77169"}],"up":[{"embeddable":true,"href":"https:\/\/financer.com\/sv\/wp-json\/wp\/v2\/pages\/5080"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.com\/sv\/wp-json\/wp\/v2\/media\/75015"}],"wp:attachment":[{"href":"https:\/\/financer.com\/sv\/wp-json\/wp\/v2\/media?parent=3315"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.com\/sv\/wp-json\/wp\/v2\/categories?post=3315"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.com\/sv\/wp-json\/wp\/v2\/tags?post=3315"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}