{"id":249,"date":"2014-11-03T10:43:46","date_gmt":"2014-11-03T09:43:46","guid":{"rendered":"https:\/\/lanebank.com\/sv\/?page_id=249"},"modified":"2015-01-19T16:33:13","modified_gmt":"2015-01-19T15:33:13","slug":"det-blir-dyrt-med-snabblan-i-langden","status":"publish","type":"page","link":"https:\/\/lanebank.com\/sv\/lana-pengar\/det-blir-dyrt-med-snabblan-i-langden","title":{"rendered":"Det blir dyrt med snabbl\u00e5n i l\u00e4ngden"},"content":{"rendered":"<p>Behoven av tillf\u00e4lliga tillskott till hush\u00e5llskassan \u00e4r uppenbart stora. Andelen som v\u00e4ljer att s\u00f6ka snabbl\u00e5n, s\u00e5 kallade smsl\u00e5n \u00f6kar konstant. Men det som kan l\u00e5ta som en bra id\u00e9 och en snabb l\u00f6sning p\u00e5 ens ekonomiska problem har tyv\u00e4rr allt som oftast motsatt effekt.<\/p>\n<p>Kostnaden f\u00f6r ett <a href=\"https:\/\/lanebank.com\/sv\/info\/snabblan\">snabbl\u00e5n<\/a> \u00e4r avsev\u00e4rt mycket h\u00f6gre \u00e4n f\u00f6r vanliga bankl\u00e5n, samtidigt \u00e4r \u00e5terbetalningstiden begr\u00e4nsad p\u00e5 ett s\u00e5dant vis att v\u00e4ldigt m\u00e5nga l\u00e5ntagare f\u00e5r sv\u00e5rt att betala tillbaka sina skulder i tid. Andelen obetalda l\u00e5n \u00f6kar nu \u00e5terigen kraftigt, under f\u00f6rsta halvan av 2014 \u00f6kade antalet skuld\u00e4renden till f\u00f6ljd av snabbl\u00e5n med 5300 st vilket ger en procentuell \u00f6kning med omkring 22% j\u00e4mf\u00f6rt med 2013. Det \u00e4r en kraftig och oroande \u00f6kning, men ocks\u00e5 en utveckling som visar p\u00e5 riskerna med dessa krediter.<\/p>\n<h3>S\u00e5 dyra \u00e4r sms-l\u00e5nen<\/h3>\n<p>Det finns de som h\u00e4vdar att sms-l\u00e5n inte \u00e4r s\u00e5 mycket dyrare \u00e4n andra alternativ och att denna l\u00e5neform svartm\u00e5las i on\u00f6dan. Vi valde d\u00e4rf\u00f6r att unders\u00f6ka hur stor skillnad det skulle vara att ta ett l\u00e5n p\u00e5 20\u00a0000 kr i tv\u00e5 \u00e5r fr\u00e5n en v\u00e4lk\u00e4nd icke-namngiven smsl\u00e5ngivare och en etablerad bank. V\u00e5r unders\u00f6kning visar att snabbl\u00e5net totalt skulle bli hela 10 009 kr dyrare \u00e4n ett vanligt privatl\u00e5n.<\/p>\n<p>Nedan kan du se underlaget f\u00f6r unders\u00f6kningen:<\/p>\n<table>\n<tbody>\n<tr>\n<td width=\"205\"><strong>\u00a0<\/strong><\/td>\n<td width=\"205\"><strong>Snabbl\u00e5n<\/strong><\/td>\n<td width=\"205\"><strong>Privatl\u00e5n<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"205\"><strong>Uppl\u00e4ggningsavgift<\/strong><\/td>\n<td width=\"205\">700 kr<\/td>\n<td width=\"205\">695 kr<\/td>\n<\/tr>\n<tr>\n<td width=\"205\"><strong>Aviavgift<\/strong><\/td>\n<td width=\"205\">360 kr<\/td>\n<td width=\"205\">0 kr<\/td>\n<\/tr>\n<tr>\n<td width=\"205\"><strong>Nominell r\u00e4nta<\/strong><\/td>\n<td width=\"205\">50%<\/td>\n<td width=\"205\">9%<\/td>\n<\/tr>\n<tr>\n<td width=\"205\"><strong>Total kostnad<\/strong><\/td>\n<td width=\"205\">12700 kr<\/td>\n<td width=\"205\">2691 kr<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Behoven av tillf\u00e4lliga tillskott till hush\u00e5llskassan \u00e4r uppenbart stora. Andelen som v\u00e4ljer att s\u00f6ka snabbl\u00e5n, s\u00e5 kallade smsl\u00e5n \u00f6kar konstant. Men det som kan l\u00e5ta som en bra id\u00e9 och [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":250,"parent":170,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-249","page","type-page","status-publish","has-post-thumbnail","hentry","has_thumb"],"wppr_data":{"cwp_meta_box_check":"No","cwp_rev_product_name":"","cwp_rev_price":""},"_links":{"self":[{"href":"https:\/\/lanebank.com\/sv\/wp-json\/wp\/v2\/pages\/249","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lanebank.com\/sv\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lanebank.com\/sv\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lanebank.com\/sv\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lanebank.com\/sv\/wp-json\/wp\/v2\/comments?post=249"}],"version-history":[{"count":4,"href":"https:\/\/lanebank.com\/sv\/wp-json\/wp\/v2\/pages\/249\/revisions"}],"predecessor-version":[{"id":649,"href":"https:\/\/lanebank.com\/sv\/wp-json\/wp\/v2\/pages\/249\/revisions\/649"}],"up":[{"embeddable":true,"href":"https:\/\/lanebank.com\/sv\/wp-json\/wp\/v2\/pages\/170"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lanebank.com\/sv\/wp-json\/wp\/v2\/media\/250"}],"wp:attachment":[{"href":"https:\/\/lanebank.com\/sv\/wp-json\/wp\/v2\/media?parent=249"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}