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/block-inner -->\n</div> <!-- /block --></li>\n </noindex>\n </ul>\n <br class=\"clear\"/>\n </div>\n <div id=\"page\">\n\n <!-- ______________________ HEADER _______________________ -->\n\n <div id=\"header\">\n\n <div id=\"logo-title\">\n\n <a href=\"/\" title=\"Главная\" rel=\"home\" id=\"logo\">\n <img src=\"/sites/default/files/basic_logo.png\" alt=\"Главная\"/>\n </a>\n <div id=\"name-and-slogan\">\n </div> <!-- /name-and-slogan -->\n </div> <!-- /logo-title -->\n \n \n </div> <!-- /header -->\n\n <!-- ______________________ MAIN _______________________ -->\n <div id=\"main_top\" class=\"clearfix\"></div>\n <div id=\"main\" class=\"clearfix\">\n\n <div id=\"content\">\n\n <div id=\"content-inner\" class=\"inner column center\">\n\n <div id=\"content-header\">\n <h1 class=\"title\">Spar tusenvis på refinansiering av dyre kredittkort og smålån</h1>\n <div class=\"line\"></div>\n \n <div class=\"clear\"></div>\n \n \n \n \n </div> <!-- /#content-header -->\n \n <div id=\"content-area\">\n <div class=\"node node clearfix node-type-story\" id=\"node-3113\">\n <div class=\"node-inner\">\n\n \n \n \n <div class=\"content\">\n <p>Har du flere usikrede forbrukslån og kredittkortgjeld, kan det være mye penger å spare på å refinansiere all gjelden i et nytt lån. I tillegg til en økonomisk besparelse, får du også en mye ryddigere privatøkonomi, med bare ett lån å forholde deg til.<br />\nSpar renter ved å refinansiere<br />\nNormalt vil man på et større lån kunne oppnå en noe lavere rente enn på et lån av en mindre størrelse. I tillegg vil renten på et usikret refinansieringslån normalt være en god del lavere enn renten på et kredittkort. Det vil derfor nesten alltid være en del å spare i renter, ved å refinansiere smålån, men spesielt hvis porteføljen inneholder en del kredittkortgjeld, vil det være mye penger å spare.<br />\nSpar gebyrer ved å refinansiere<br />\nDet er ikke bare renten bankene tjener penger på. Faktisk er det slik at på mange mindre lån, så tjener banken like mye på det månedlige termingebyret. For hvert lån du har, betaler du et månedlig termingebyr, bare for å få lov til å betale avdrag på lånet. <a href=\"https://www.refinansiere.net/\">Refinansierer du gjelden din og slår alt sammen i et lån</a>, vil den årlige besparelsen, bare på termingebyrer, være betraktelig.<br />\nBli kvitt gjelden raskere<br />\nNår først du har refinansiert gjelden din, er det viktig at du utnytter pengene du sparer hver måned, til å betale ned ekstra på gjelden, og ikke bruker disse på vanlig forbruk. Banken tjener på at du bruker så lang tid som mulig på å betale tilbake lånet, så det er store sjanser for at du vil bli presentert for en nedbetalingsplan på refinansieringslånet som har et månedlig avdrag som ligger en god del under totalsummen du betalte i måneden på alle lånene dine, før refinansieringen. Det er dog viktig å huske på at du ikke er bundet av denne planen, du kan når som helst betale ned ekstra på lånet, eller løse inn lånet i sin helhet. Ved å bruke pengene du sparer hver måned, etter refinansiering av gjelden, til å betale ned ekstra på lånet, vil du bli kvitt gjelden raskere, og den økonomiske gevinsten ved å refinansiere vil bli ennå større.<br />\nRefinansiering med pant i bolig<br />\nhttps://milltrade.net/wp-content/uploads/2018/04/470740117_1-768x576.jpg 768w, <a href=\"https://milltrade.net/wp-content/uploads/2018/04/470740117_1.jpg\" title=\"https://milltrade.net/wp-content/uploads/2018/04/470740117_1.jpg\">https://milltrade.net/wp-content/uploads/2018/04/470740117_1.jpg</a> 1024w\" sizes=\"auto, (max-width: 263px) 100vw, 263px\" />Er du så heldig at du eier din egen bolig, har du mange ganger mulighet for å refinansiere den usikrede forbruksgjelden ved å øke boliglånet. Den primære fordelen med dette er selvsagt at renten blir betydelig lavere. Der du betaler 3-4% i rente på et typisk boliglån, er det ikke unormalt at den effektive renten på et usikret lån ligger på rundt 15%.<br />\nHvis du har tilstrekkelig rom på det eksisterende pantedokumentet for boliglånet ditt, vil de fleste banker ikke ha noe problem med å rett og slett øke boliglånet med en sum tilsvarende den du trenger, for å innløse din forbruksgjeld. Siden det ikke behøves å utstedes et nytt pantedokument er det heller ingen tinglysning involvert i dette, og banken bør derfor ikke kreve noe mer enn et lite gebyr for å gjennomføre endringen.<br />\nHvis du refinansierer <a href=\"https://www.dnb.no/privat/laan/boliglaan/refinansiering.html\">forbruksgjelden med en økning i boliglånet</a>, er det viktig å samtidig øke det månedlige avdraget på boliglånet, med en sum tilsvarende den du betalte i avdrag på din forbruksgjeld, før refinansieringen. Gjør du ikke dette, er sjansen stor for at besparelsen går bort i forbruk, og da får du ikke maksimal uttelling på refinansieringen.<br />\nRefinansiering med et nytt usikret lån<br />\nHar du ikke egen bolig, eller er belåningsgraden på denne allerede så høy, at det ikke er mulig å bake forbruksgjelden inn i boliglånet, er den beste løsningen som regel en refinansiering <a href=\"https://www.refinansiere.net/refinansiering-av-forbruksl%C3%A5n/\">med et nytt, usikret lån</a>. Det finnes en god del banker på det norske markedet, som tilbyr slike lån. Det vanligste er at du søker om et refinansieringslån, og når dette er innvilget, sender du banken en liste over all gjelden du ønsker å innfri. Banken tar seg da av det praktiske med å få innløst dine smålån, og du slipper å få refinansieringslånet utbetalt til din bankkonto og gjøre jobben selv.<br />\nBruk refinansieringen som en frisk start<br />\nNår du har refinansiert all din gamle moro, er det viktig å benytte sjansen du nå har, til å bedre din privatøkonomi. Det betyr at du bør si opp kredittkortene du har fått innløst, slik at du ikke faller for fristelsen til å benytte disse igjen. I tillegg bør du også tenke deg om mer enn en gang, før du eventuelt velger å ta opp et nytt usikret lån i fremtiden.<br />\nThe post <a href=\"https://milltrade.net/2018/04/16/spar-tusenvis-pa-refinansiering-av-dyre-kredittkort-og-smalan/\">Spar tusenvis på refinansiering av dyre kredittkort og smålån</a> appeared first on <a href=\"https://milltrade.net\">Milltrade.net</a>.</p>\n </div>\n\n \n \n <div class=\"links\"> <ul class=\"links inline\"><li class=\"feedapi_feed first\"><a href=\"/content/milltrade\">Feed: MillTrade</a></li>\n<li class=\"feedapi_original last\"><a href=\"https://milltrade.net/2018/04/16/spar-tusenvis-pa-refinansiering-av-dyre-kredittkort-og-smalan/\">Original article</a></li>\n</ul></div>\n \n </div> <!-- /node-inner -->\n</div> <!-- /node--> </div> <!-- /#content-area -->\n\n \n </div>\n </div> <!-- /content-inner /content -->\n\n \n <!-- /sidebar-left -->\n\n <div id=\"sidebar-second\" class=\"column sidebar second\">\n <div id=\"sidebar-second-inner\" 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class=\"col1\"><div class=\"hr\">Частота проведения:</div></td><td class=\"col2\">1 раз в месяц</td>\n </tr>\n <tr>\n <td class=\"col1\"><div class=\"hr\">Длительность:</div></td><td class=\"col2\">\n 1 месяц </td>\n </tr>\n <tr>\n <td class=\"col1\"><div class=\"hr\">Тип счёта:</div></td><td class=\"col2\">Демо</td>\n </tr>\n <tr>\n <td class=\"col1\"><div class=\"hr\">Призовой фонд:</div></td><td class=\"col2\">5500$</td>\n </tr>\n <tr>\n <td class=\"col1\"><div class=\"hr\">Призовых мест:</div></td><td class=\"col2\">3</td>\n </tr>\n</table>\n<div class=\"detal\"><a href=\"/contests/forexcup-fx-market-masters\"></a></div></div>\n </div>\n <div class=\"block-bottom-content\"></div>\n \n\n </div> <!-- /block-inner -->\n</div> <!-- /block --><div id=\"block-block-17\" class=\"block block-block block-right block-id-331 clearfix odd\">\n <div class=\"block-inner\">\n\n <div class=\"block-title\"><h3 class=\"title\">Опрос</h3></div>\n <div class=\"block-top-content\"></div>\n <div class=\"block-content\">\n <div class=\"ww\"><h3><a href=\"/content/kakie-konkursy-vas-interesuyut-bolshe-0\">Какие конкурсы вас интересуют больше?</a></h3><form action=\"/content/kakie-konkursy-vas-interesuyut-bolshe-0\" accept-charset=\"UTF-8\" method=\"post\" id=\"advpoll-voting-binary-form-0\" class=\"advpoll-vote\">\n<div><div class=\"poll\">\n <div class=\"advpoll-available-choices\">\n <div class=\"choice-header\">Choices</div>\n <div class=\"vote-choices\">\n <div class=\"form-radios\"><div class=\"form-item\" id=\"edit-choice-1-wrapper\">\n <label class=\"option\" for=\"edit-choice-1\"><input type=\"radio\" id=\"edit-choice-1\" name=\"choice\" value=\"1\" class=\"form-radio\" /> В течение дня</label>\n</div>\n<div class=\"form-item\" id=\"edit-choice-2-wrapper\">\n <label class=\"option\" for=\"edit-choice-2\"><input type=\"radio\" id=\"edit-choice-2\" name=\"choice\" value=\"2\" class=\"form-radio\" /> Два-три дня</label>\n</div>\n<div class=\"form-item\" 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views-row-1 views-row-odd views-row-first\">\n \n <div class=\"views-field-field-logo-fid\">\n <span class=\"field-content\"><a href=\"/contests/formula-fx\"><a href=\"/contests/formula-fx\" class=\"imagecache imagecache-logo_mini_broker imagecache-linked imagecache-logo_mini_broker_linked\"><img src=\"http://finkonkurs.com/sites/default/files/imagecache/logo_mini_broker/tabs_blocks_item_bg_formula-fx.jpg\" alt=\"\" title=\"\" width=\"37\" height=\"38\" class=\"imagecache imagecache-logo_mini_broker\"/></a></a></span>\n </div>\n \n <div class=\"views-field-title\">\n <span class=\"field-content\"><a href=\"/contests/formula-fx\">Formula FX</a></span>\n </div>\n \n <div class=\"views-field-phpcode\">\n <span class=\"field-content\"><a href=\"/brokers/forex/alpari\">Alpari</a></span>\n </div>\n </div>\n <div class=\"views-row views-row-2 views-row-even\">\n \n <div class=\"views-field-field-logo-fid\">\n <span class=\"field-content\"><a href=\"/contests/real-what-where-when\"><a href=\"/contests/real-what-where-when\" class=\"imagecache imagecache-logo_mini_broker imagecache-linked imagecache-logo_mini_broker_linked\"><img src=\"http://finkonkurs.com/sites/default/files/imagecache/logo_mini_broker/fxclublogo_2.png\" alt=\"\" title=\"\" width=\"37\" height=\"38\" class=\"imagecache imagecache-logo_mini_broker\"/></a></a></span>\n </div>\n \n <div class=\"views-field-title\">\n <span class=\"field-content\"><a href=\"/contests/real-what-where-when\">Что? Где? Когда? - Реал</a></span>\n </div>\n \n <div class=\"views-field-phpcode\">\n <span class=\"field-content\"><a href=\"/brokers/forex/forex-club\">Forex Club</a></span>\n </div>\n </div>\n <div class=\"views-row views-row-3 views-row-odd\">\n \n <div class=\"views-field-field-logo-fid\">\n <span class=\"field-content\"><a href=\"/contests/virtual-reality\"><a href=\"/contests/virtual-reality\" class=\"imagecache imagecache-logo_mini_broker imagecache-linked imagecache-logo_mini_broker_linked\"><img src=\"http://finkonkurs.com/sites/default/files/imagecache/logo_mini_broker/tabs_blocks_item_bg_virtual-reality.jpg\" alt=\"\" title=\"\" width=\"37\" height=\"38\" class=\"imagecache imagecache-logo_mini_broker\"/></a></a></span>\n </div>\n \n <div class=\"views-field-title\">\n <span class=\"field-content\"><a href=\"/contests/virtual-reality\">Виртуальная реальность</a></span>\n </div>\n \n <div class=\"views-field-phpcode\">\n <span class=\"field-content\"><a href=\"/brokers/forex/alpari\">Alpari</a></span>\n </div>\n </div>\n <div class=\"views-row views-row-4 views-row-even\">\n \n <div class=\"views-field-field-logo-fid\">\n <span class=\"field-content\"><a href=\"/contests/turnir-kubok-lva\"><a href=\"/contests/turnir-kubok-lva\" class=\"imagecache imagecache-logo_mini_broker imagecache-linked imagecache-logo_mini_broker_linked\"><img src=\"http://finkonkurs.com/sites/default/files/imagecache/logo_mini_broker/lionstone_logo_0.jpg\" alt=\"\" title=\"\" width=\"37\" height=\"38\" class=\"imagecache imagecache-logo_mini_broker\"/></a></a></span>\n </div>\n \n <div class=\"views-field-title\">\n <span class=\"field-content\"><a href=\"/contests/turnir-kubok-lva\">Турнир "Кубок Льва"</a></span>\n </div>\n \n <div class=\"views-field-phpcode\">\n <span class=\"field-content\"><a href=\"/brokers/forex/lionstone\">Lionstone</a></span>\n </div>\n </div>\n <div class=\"views-row views-row-5 views-row-odd\">\n \n <div class=\"views-field-field-logo-fid\">\n <span class=\"field-content\"><a href=\"/contests/konkurs-na-demo-schetah-fbs-pro\"><a href=\"/contests/konkurs-na-demo-schetah-fbs-pro\" class=\"imagecache imagecache-logo_mini_broker imagecache-linked imagecache-logo_mini_broker_linked\"><img src=\"http://finkonkurs.com/sites/default/files/imagecache/logo_mini_broker/snimok_ekrana_2014-03-13_v_08.48.10_1.png\" alt=\"\" title=\"\" width=\"37\" height=\"38\" class=\"imagecache imagecache-logo_mini_broker\"/></a></a></span>\n </div>\n \n <div class=\"views-field-title\">\n <span class=\"field-content\"><a href=\"/contests/konkurs-na-demo-schetah-fbs-pro\">Конкурс на демо-счетах "FBS Pro"</a></span>\n </div>\n \n <div class=\"views-field-phpcode\">\n <span class=\"field-content\"><a href=\"/brokers/forex/fbs\">FBS</a></span>\n </div>\n </div>\n <div class=\"views-row views-row-6 views-row-even views-row-last\">\n \n <div class=\"views-field-field-logo-fid\">\n <span class=\"field-content\"><a href=\"/contests/demo-cup\"><a href=\"/contests/demo-cup\" class=\"imagecache imagecache-logo_mini_broker imagecache-linked imagecache-logo_mini_broker_linked\"><img src=\"http://finkonkurs.com/sites/default/files/imagecache/logo_mini_broker/nordfx-banner_0.jpg\" alt=\"\" title=\"\" width=\"37\" height=\"38\" class=\"imagecache imagecache-logo_mini_broker\"/></a></a></span>\n </div>\n \n <div class=\"views-field-title\">\n <span class=\"field-content\"><a href=\"/contests/demo-cup\">Demo Cup</a></span>\n </div>\n \n <div class=\"views-field-phpcode\">\n <span class=\"field-content\"><a href=\"/brokers/forex/nordfx\">NordFX</a></span>\n </div>\n </div>\n </div>\n \n \n \n \n \n \n</div> </div>\n </div>\n <div class=\"block-bottom-content\"></div>\n \n\n </div> <!-- /block-inner -->\n</div> <!-- /block --><div id=\"block-block-18\" class=\"block block-block block-right block-id-332 clearfix odd\">\n <div class=\"block-inner\">\n\n <div class=\"block-title\"><h3 class=\"title\">Последние комментарии</h3></div>\n <div class=\"block-top-content\"></div>\n <div class=\"block-content\">\n <div class=\"ww\"><div class=\"view view-last-comment view-id-last_comment view-display-id-block view-dom-id-2\">\n \n \n \n <div class=\"view-content\">\n <div class=\"item-list\">\n <ul>\n <li class=\"views-row views-row-1 views-row-odd views-row-first\"> \n <div class=\"views-field-name\">\n <span class=\"field-content\">Гость</span>\n </div>\n \n <div class=\"views-field-title\">\n <label class=\"views-label-title\">\n к записи:\n </label>\n <span class=\"field-content\"><a href=\"/ru/marketmakers\">Рейтинг маркетмейкеров</a></span>\n </div>\n \n <div class=\"views-field-comment\">\n <div class=\"field-content\"><p>С ММ все понятно ок, но напишите мануал простой на каком-то конкретном примере. Я хочу...</div>\n </div>\n</li>\n <li class=\"views-row views-row-2 views-row-even\"> \n <div class=\"views-field-name\">\n <span class=\"field-content\">magentomaestros</span>\n </div>\n \n <div class=\"views-field-title\">\n <label class=\"views-label-title\">\n к записи:\n </label>\n <span class=\"field-content\"><a href=\"/shares/service-mechanism-of-continuous-profit\">Сервис "Механизм непрерывной прибыли"</a></span>\n </div>\n \n <div class=\"views-field-comment\">\n <div class=\"field-content\"><p>Ready to take your online store to the next level? With nearly a decade of experience...</div>\n </div>\n</li>\n <li class=\"views-row views-row-3 views-row-odd\"> \n <div class=\"views-field-name\">\n <span class=\"field-content\">drupalservices</span>\n </div>\n \n <div class=\"views-field-title\">\n <label class=\"views-label-title\">\n к записи:\n </label>\n <span class=\"field-content\"><a href=\"/shares/service-mechanism-of-continuous-profit\">Сервис "Механизм непрерывной прибыли"</a></span>\n </div>\n \n <div class=\"views-field-comment\">\n <div class=\"field-content\"><p>Ready to take your Drupal eCommerce to the next level? </p>\n<p>With over a decade of...</div>\n </div>\n</li>\n <li class=\"views-row views-row-4 views-row-even views-row-last\"> \n <div class=\"views-field-name\">\n <span class=\"field-content\">dataanalysis</span>\n </div>\n \n <div class=\"views-field-title\">\n <label class=\"views-label-title\">\n к записи:\n </label>\n <span class=\"field-content\"><a href=\"/shares/service-mechanism-of-continuous-profit\">Сервис "Механизм непрерывной прибыли"</a></span>\n </div>\n \n <div class=\"views-field-comment\">\n <div class=\"field-content\"><p>For nearly a decade, we’ve helped businesses transform raw data into actionable...</div>\n </div>\n</li>\n </ul>\n</div> </div>\n \n \n \n \n \n \n</div> </div>\n </div>\n <div class=\"block-bottom-content\"></div>\n \n\n </div> <!-- /block-inner -->\n</div> <!-- /block --> </div>\n </div>\n <!-- /sidebar-second -->\n </div> <!-- /main -->\n <div id=\"main_bottom\" class=\"clearfix\"></div>\n\n <!-- ______________________ FOOTER _______________________ -->\n <div id=\"footer_top\">\n <div id=\"block-menu-menu-menu-footer\" class=\"block block-menu block-footer_top block-id-275 clearfix odd\">\n <div class=\"block-inner\">\n\n <div class=\"block-top-content\"></div>\n <div class=\"block-content\">\n <div class=\"ww\"><ul class=\"menu\"><li class=\"leaf menu-1532 first\"><a href=\"/\" title=\"Главная\" class=\" menu-1532\">Главная</a></li>\n<li class=\"leaf menu-1533\"><a href=\"/contests/all\" title=\"Все конкурсы\" class=\" menu-1533\">Все конкурсы</a></li>\n<li class=\"leaf menu-1952\"><a href=\"/non-trading-contests\" title=\"Неторговые конкурсы\" class=\" menu-1952\">Неторговые конкурсы</a></li>\n<li class=\"leaf menu-1536\"><a href=\"/news\" title=\"Новости\" class=\" menu-1536\">Новости</a></li>\n<li class=\"leaf menu-1537\"><a href=\"/shares\" title=\"Акции\" class=\" menu-1537\">Акции</a></li>\n<li class=\"leaf menu-1939\"><a href=\"/rating\" title=\"Номинации брокеров\" class=\" menu-1939\">Номинации брокеров</a></li>\n<li class=\"leaf menu-10793\"><a href=\"/ru/marketmakers\" title=\"Рейтинг маркетмейкеров\" class=\" menu-10793\">Рейтинг маркетмейкеров</a></li>\n<li class=\"leaf menu-10218 last\"><a href=\"/adv\" title=\"Реклама\" class=\" menu-10218\">Реклама</a></li>\n</ul></div>\n </div>\n <div class=\"block-bottom-content\"></div>\n \n\n </div> <!-- /block-inner -->\n</div> <!-- /block --> </div> <!-- /footer_top -->\n <a id=\"bt_up\" href=\"#\"></a>\n \n\n <div id=\"footer\">\n <div id=\"block-block-4\" class=\"block block-block block-footer_block block-id-78 clearfix odd\">\n <div class=\"block-inner\">\n\n <div class=\"block-top-content\"></div>\n <div class=\"block-content\">\n <div class=\"ww\"><table>\n<tr><td>\n© 2010 - 2025 <a href=\"https://finkonkurs.com/\">ФинКонкурс</a> - портал о конкурсах трейдеров на финансовых рынках, FOREX, фондовом, срочном и крипто рынках.<br/>\nВсе права сохранены. 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Для клиентов Альпари, и тех, кто планирует таковыми стать, можем сообщить хорошую новость. С 1 августа стартовала новая акция, весьма выгодная: теперь вы можете получить бонус до 1 000 USD! Суть этой акции от Альпари в том, что VIP-клиенты, чей объем торговли в период с 1 августа по 3 сентября будет составлять не менее 500 лотов, получают бонус в размере 5% от суммы первого пополнения счета. Причем сумма бонуса после окончания доступна для вывода со счета в любой момент. Учет количества лотов начинается вместе с началом проведения акции, с момента первого пополнения торгового счета.
Торгуйте с Альпари и получайте бонусы! Подробнее...
01.08.2011
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