Saml dine lån et sted

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Hvis du er ved at miste overblikket over dine lån, er det måske en idé at få dem samlet ét sted. På den måde bliver det ikke kun lettere at overskue, du kan også spare penge sådan. Derudover er du også sikker på, at du får betalt det, du skal. Derved kan du slappe bedre af, fordi du ved, der er styr på lånesituationen.

To slags samlelån

Hvis du overvejer at samle lån et sted, er der umiddelbart to måder at gøre det på. Du kan enten få låneudbyderen til at betale din gæld. Og så skylder du blot pengene hos den nye udbyder. Du får ikke selv pengene og skal ikke selv sørge for at betale dine andre kreditorer ud. Den anden måde foregår nemlig sådan, at du får pengene, du ønsker at låne, ind på din konto. Så betaler du derefter selv dine andre lån ud.

Hvad er billigst?

Typisk vil modellen, hvor udbyderen betaler dine låne ud, være den billigste. Det skyldes, at der er sikkerhed for, at de lånte penge rent faktisk går til at udbetale andre lån. Derudover skal du være opmærksom på lånets ÅOP. Det betyder årlig omkostning i procent. Ligesom det er lettere at sammenligne madvarer på kiloprisen, så sammenligner man lån på ÅOP. Husk i den forbindelse at det skal sammenlignes med samme lånebeløb og afbetalingsperiode – også kaldet lånets løbetid.

Andre vigtige overvejelser

Du skal selvfølgelig også være sikker på, at et samlelån rent faktisk bliver billigere end det, du har nu. Enten regner du det ud selv, eller også kontakter du en rådgiver. Husk dog, at en rådgiver også er en købmand, der sælger dig et produkt. Vær derfor kritisk, og spørg mere end én. Som udgangspunkt vil det være en fordel med et samlelån. Der er en lavere procent, og du får bedre overblik. Der er også færre gebyrer, og det er lettere at betale et stort beløb frem for mange små.

Hvordan gør jeg?

Der er nogle krav, hvis du vil tage et samlelån. Du skal minimum være 18 år, have fast indkomst, og så må du ikke stå i RKI. Hvis du opfylder disse krav, er der en god mulighed, for at lave et samlelån.

Vurdering af din privatøkonomi

Når du ansøger, vil låneudbyderen foretage en kreditvurdering. Forhold som indkomst, faste udgifter, rådighedsbeløb og gældsposter vil indgå i en kreditvurdering. Jo bedre din økonomi i forvejen ser ud, desto større er muligheden, for at du får en god rente. Det skyldes, at låneudbyderen er sikrere på at få sine penge.

Lån ikke penge til at betale andre lån

Som udgangspunkt skal du ikke låne penge til at betale andre lån. Har du ikke råd til at betale dine kreditorer, så er det bedre at tage en snak med dem. Det vil de hellere end ubetalte regninger.

Samlelån er undtagelsen

Det kan dog give rigtig god mening at få dine lån samlet et sted. Lån penge i dag og få styr på din kreditorer.

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