{"id":9760,"date":"2020-02-11T13:38:46","date_gmt":"2020-02-11T13:38:46","guid":{"rendered":"https:\/\/finanso.se\/?page_id=9760"},"modified":"2022-04-21T11:59:39","modified_gmt":"2022-04-21T09:59:39","slug":"tva-olika-lan-for-bilfinansiering","status":"publish","type":"post","link":"https:\/\/finanso.se\/tva-olika-lan-for-bilfinansiering\/","title":{"rendered":"Uppt\u00e4ck Tv\u00e5 Olika L\u00e5n f\u00f6r Bilfinansiering 2025"},"content":{"rendered":"<section class=\"wp-block-uagb-section uagb-section__wrap uagb-section__background-undefined section-inner-wrap uagb-block-05dc258\"><div class=\"uagb-section__overlay\"><\/div><div class=\"uagb-section__inner-wrap\"><section class=\"wp-block-uagb-columns uagb-columns__wrap uagb-columns__background-undefined uagb-columns__stack-mobile uagb-columns__gap-10 alignundefined uagb-block-87a689a uagb-columns__valign-top\"><div class=\"uagb-columns__overlay\"><\/div><div class=\"uagb-columns__inner-wrap uagb-columns__columns-1\"><div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-87a689a\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\"><p><b>Ett bilk\u00f6p kan finansieras p\u00e5 flera olika s\u00e4tt, men att k\u00f6pa bilen f\u00f6r kontanta medel \u00e4r f\u00f6r det mesta att f\u00f6redra. F\u00f6r m\u00e5nga svenskar \u00e4r det dock inte ett alternativ, eftersom nyare och d\u00e4rmed s\u00e4krare bilar kostar lite f\u00f6r mycket f\u00f6r att k\u00f6pas kontant. <\/b><\/p><p>Det finns tv\u00e5 olika typer av bill\u00e5n p\u00e5 marknaden idag. Om du k\u00f6per en ny bil kan du v\u00e4lja att anv\u00e4nda bilen som en underliggande s\u00e4kerhet f\u00f6r l\u00e5net. Alternativ tv\u00e5 \u00e4r att ta ett <a href=\"https:\/\/www.hittasmslan.com\/l%C3%A5n-utan-s%C3%A4kerhet\/\">l\u00e5n utan s\u00e4kerhet<\/a> vilket \u00e4r samma sak som att ta ett privatl\u00e5n. B\u00e5da alternativen har f\u00f6r- och nackdelar som vi diskuterar h\u00e4r:\u2028<\/p><h2 class=\"wp-block-heading\"><b>Bilen som s\u00e4kerhet<\/b><\/h2><p>\u2028N\u00e4r l\u00e5net har bilen som underliggande s\u00e4kerhet \u00e4r det knutet till bilen och allts\u00e5 inte till dig som \u00e4gare. I regel kr\u00e4ver alla l\u00e5ngivare att bilen m\u00e5ste k\u00f6pas genom en auktoriserad \u00e5terf\u00f6rs\u00e4ljare. L\u00e5ngivaren betalar ut l\u00e5nesumman direkt till \u00e5terf\u00f6rs\u00e4ljaren ifall din l\u00e5neans\u00f6kan blir godk\u00e4nd. Om du ist\u00e4llet k\u00f6per bilen av en privatperson som redan har ett l\u00e5n p\u00e5 bilen kan du ans\u00f6ka om att \u00f6verta l\u00e5net i samband med bilk\u00f6pet. <\/p><p><a href=\"https:\/\/www.expressen.se\/motor\/billan\/kontantinsats-till-billan--sa-fixar-du-den-bast\/\">En kontantinsats kr\u00e4vs alltid <\/a>och den brukar ligga p\u00e5 minst 20 procent av bilens k\u00f6pesumma. Kostnaden f\u00f6r bilen ska vara minst 100 000 kronor beroende p\u00e5 vilken l\u00e5ngivare det g\u00e4ller och l\u00e5net m\u00e5ste vara \u00e5terbetalat n\u00e4r bilen \u00e4r cirka tolv \u00e5r. Det inneb\u00e4r att du inte kan k\u00f6pa en bil som \u00e4r \u00e4ldre \u00e4n tolv \u00e5r med den h\u00e4r typen av l\u00e5n.  <\/p><p>Om du s\u00e4ljer bilen m\u00e5ste det som \u00e5terst\u00e5r av l\u00e5net l\u00f6sas in eftersom l\u00e5net \u00e4r kopplat till bilen. G\u00f6r du en f\u00f6rlust vid f\u00f6rs\u00e4ljning m\u00e5ste du d\u00e4rmed betala en restskuld och det kan bli en ekonomisk belastning om mellanskillnaden \u00e4r stor. F\u00f6rdelen med det h\u00e4r l\u00e5net \u00e4r att r\u00e4ntan kan vara r\u00e4tt l\u00e5g och l\u00e5net kan komma med olika f\u00f6rm\u00e5ner som f\u00f6rl\u00e4ngda garantier eller billigare bensin.<\/p><h2 class=\"wp-block-heading\"><b>Bill\u00e5n utan s\u00e4kerhet\u2028<\/b><\/h2><p>N\u00e4r l\u00e5net inte har bilen som en underliggande s\u00e4kerhet s\u00e5 tar du ist\u00e4llet ut ett vanligt privatl\u00e5n som \u00e4ven kallas f\u00f6r blancol\u00e5n. L\u00e5net \u00e4r knutet till personen som \u00e4ger bilen och har egentligen ingenting med bilen att g\u00f6ra. F\u00f6rdelar med ett l\u00e5n utan s\u00e4kerhet \u00e4r att du sj\u00e4lv kan best\u00e4mma <a href=\"https:\/\/www.expressen.se\/motor\/kopaochsaljabil\/de-billiga-sommarbilarna-som-ar-hetast-pa-blocket\/\">var du vill k\u00f6pa bilen<\/a> och du kan enklare k\u00f6pa av en privatperson. L\u00e5ngivaren betalar pengarna direkt till dig. <\/p><p>Majoriteten av l\u00e5ngivare kr\u00e4ver att l\u00e5nesumman ligger p\u00e5 minst 10 000 kronor. \u00c5ldern p\u00e5 bilen spelar inte n\u00e5gon roll n\u00e4r du tar ett privatl\u00e5n och i de flesta fall ska l\u00e5net vara \u00e5terbetalt p\u00e5 max 15 \u00e5r. Om du s\u00e4ljer bilen beh\u00f6ver du inte l\u00f6sa in det resterande l\u00e5net, \u00e4ven om det rekommenderas f\u00f6r din privatekonomis skull. Privatl\u00e5n kan ha h\u00f6gre r\u00e4nta, men den \u00e4r vanligtvis individuell och s\u00e4tts utifr\u00e5n din kreditv\u00e4rdighet.<\/p><\/div><\/div><\/div><\/section><\/div><\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":31,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","_lmt_disableupdate":"","_lmt_disable":"","_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":"","footnotes":""},"categories":[34],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Uppt\u00e4ck Tv\u00e5 Olika L\u00e5n f\u00f6r Bilfinansiering 2021<\/title>\n<meta name=\"description\" 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