{"id":521,"date":"2020-07-17T08:00:41","date_gmt":"2020-07-17T08:00:41","guid":{"rendered":"https:\/\/musimi.dk\/blog\/?p=521"},"modified":"2020-07-08T10:02:49","modified_gmt":"2020-07-08T10:02:49","slug":"digital-oekonomi-fordele-ved-at-samle-dine-smaa-laan-online","status":"publish","type":"post","link":"https:\/\/musimi.dk\/blog\/digital-oekonomi-fordele-ved-at-samle-dine-smaa-laan-online\/","title":{"rendered":"Digital \u00f8konomi – fordele ved at samle dine sm\u00e5 l\u00e5n online"},"content":{"rendered":"\n

Annonce<\/p>\n\n\n\n

Det kan v\u00e6re dyrt at have mange sm\u00e5 l\u00e5n med h\u00f8je afdrag. Der er derfor ofte penge at spare, hvis du samler dine l\u00e5n til \u00e9t stort. Se her, hvad du f\u00e5r ud af det, og hvordan du g\u00f8r.<\/p>\n\n\n\n

Hver fjerde dansker benytter sig i ny og n\u00e6 af muligheden for at tage et forbrugsl\u00e5n, som d\u00e6kker uventede udgifter eller d\u00e6kker et k\u00f8b, som der ikke er luft til i budgettet lige nu.<\/p>\n\n\n\n

Har du mange sm\u00e5, men dyre forbrugsl\u00e5n?<\/h2>\n\n\n\n

Forbrugsl\u00e5net kan i visse tilf\u00e6lde hj\u00e6lpe med at f\u00e5 \u00f8konomien til at h\u00e6nge sammen – ogs\u00e5 selvom det er et l\u00e5n med h\u00f8je omkostninger. Derfor vil du, n\u00e5r du har optaget flere l\u00e5n hos forskellige udbydere, opleve, at det bliver dyrt at afdrage p\u00e5 g\u00e6lden.<\/p>\n\n\n\n

I det tilf\u00e6lde er det fornuftigt at forh\u00f8re dig hos din bank, om du kan f\u00e5 lagt dine sm\u00e5 l\u00e5n sammen til \u00e9t stort forbrugsl\u00e5n. Det kan give dig mere luft i din \u00f8konomi, s\u00e5 du f\u00e5r et bedre overblik over, hvor meget du skylder.<\/p>\n\n\n\n

Herunder f\u00f8lger en trin-for-trin-guide til, hvordan du f\u00e5r omlagt dine sm\u00e5 l\u00e5n til \u00e9t samlet l\u00e5n.<\/p>\n\n\n\n

#1: Skab et overblik over dine l\u00e5n<\/h2>\n\n\n\n

.. og saml al den data omkring dine l\u00e5n, som du overhovedet kan finde.<\/p>\n\n\n\n

Lav en liste over, hvor meget du skylder, og hvorfra du har l\u00e5nt pengene. Skriv ned, hvad dine l\u00e5n koster. I den forbindelse skal du se efter den samlede \u00c5OP (\u00c5rlige Omkostninger i Procent), som g\u00f8r det nemt at danne sig et overblik over omkostningerne for l\u00e5nene.<\/p>\n\n\n\n

#2: Kontakt din bankr\u00e5dgiver<\/h2>\n\n\n\n

Tag en snak med din bankr\u00e5dgiver omkring muligheden for at samle dine l\u00e5n. Hvis ikke din egen bank vil g\u00e5 med til at udstede det \u00f8nskede samlel\u00e5n, s\u00e5 er der heldigvis en alternativ l\u00f8sning. Du kan samle dine l\u00e5n hos Santander<\/a>, hvis din egen bank ikke er samarbejdsvillig. Bes\u00f8g dem via deres hjemmeside og send en l\u00e5neans\u00f8gning med det samme.<\/p>\n\n\n\n

#3: Kan det overhovedet betale sig at samle l\u00e5n?<\/h2>\n\n\n\n

Du opn\u00e5r typisk en lavere rente og en lavere m\u00e5nedlig ydelse, ligesom du slipper for at skulle betale dyre gebyrer hos de enkelte l\u00e5neudbydere. Det er samtidig nemt at f\u00e5 et overblik over, hvad du skal betale hver m\u00e5ned, samt hvor l\u00e6nge du skal betale af p\u00e5 din g\u00e6ld.<\/p>\n\n\n\n

Hvis det ikke kan betale sig at samle dine l\u00e5n, eller du ikke har mulighed for det, s\u00e5 b\u00f8r du finde d\u00e9t af dine l\u00e5n, som er dyrest, og fokusere p\u00e5 at betale af p\u00e5 det f\u00f8rst. Start med at l\u00e6gge et budget, s\u00e5 du har helt styr p\u00e5, hvor meget du har til r\u00e5dighed hver m\u00e5ned.<\/p>\n\n\n\n

Lav desuden en liste over dine g\u00e6ldsposter og l\u00e6g en plan for g\u00e6ldsafviklingen. Hvis ikke du g\u00f8r det, s\u00e5 er der en overh\u00e6ngende risiko for, at du mister overblikket endnu en gang.<\/p>\n","protected":false},"excerpt":{"rendered":"

Annonce Det kan v\u00e6re dyrt at have mange sm\u00e5 l\u00e5n med h\u00f8je afdrag. Der er derfor ofte penge at spare, hvis du samler dine l\u00e5n til \u00e9t stort. Se her, hvad du f\u00e5r ud af det, og hvordan du g\u00f8r. Hver fjerde dansker benytter sig i ny og n\u00e6 af muligheden for at tage et […]<\/p>\n","protected":false},"author":4,"featured_media":522,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-521","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-diverse"],"yoast_head":"\nDigital \u00f8konomi - fordele ved at samle dine sm\u00e5 l\u00e5n online - Musimi.dk bloggen<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/musimi.dk\/blog\/digital-oekonomi-fordele-ved-at-samle-dine-smaa-laan-online\/\" \/>\n<meta property=\"og:locale\" content=\"da_DK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Digital \u00f8konomi - fordele ved at samle dine sm\u00e5 l\u00e5n online - Musimi.dk bloggen\" \/>\n<meta property=\"og:description\" content=\"Annonce Det kan v\u00e6re dyrt at have mange sm\u00e5 l\u00e5n med h\u00f8je afdrag. Der er derfor ofte penge at spare, hvis du samler dine l\u00e5n til \u00e9t stort. Se her, hvad du f\u00e5r ud af det, og hvordan du g\u00f8r. Hver fjerde dansker benytter sig i ny og n\u00e6 af muligheden for at tage et […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/musimi.dk\/blog\/digital-oekonomi-fordele-ved-at-samle-dine-smaa-laan-online\/\" \/>\n<meta property=\"og:site_name\" content=\"Musimi.dk bloggen\" \/>\n<meta property=\"article:published_time\" content=\"2020-07-17T08:00:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/musimi.dk\/blog\/wp-content\/uploads\/2020\/07\/musimi.dk_.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1999\" \/>\n\t<meta property=\"og:image:height\" content=\"1333\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ekstern Redaktion (Reklame)\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Skrevet af\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ekstern Redaktion (Reklame)\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimeret l\u00e6setid\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutter\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Digital \u00f8konomi - fordele ved at samle dine sm\u00e5 l\u00e5n online - Musimi.dk bloggen","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/musimi.dk\/blog\/digital-oekonomi-fordele-ved-at-samle-dine-smaa-laan-online\/","og_locale":"da_DK","og_type":"article","og_title":"Digital \u00f8konomi - fordele ved at samle dine sm\u00e5 l\u00e5n online - Musimi.dk bloggen","og_description":"Annonce Det kan v\u00e6re dyrt at have mange sm\u00e5 l\u00e5n med h\u00f8je afdrag. Der er derfor ofte penge at spare, hvis du samler dine l\u00e5n til \u00e9t stort. Se her, hvad du f\u00e5r ud af det, og hvordan du g\u00f8r. Hver fjerde dansker benytter sig i ny og n\u00e6 af muligheden for at tage et […]","og_url":"https:\/\/musimi.dk\/blog\/digital-oekonomi-fordele-ved-at-samle-dine-smaa-laan-online\/","og_site_name":"Musimi.dk bloggen","article_published_time":"2020-07-17T08:00:41+00:00","og_image":[{"width":1999,"height":1333,"url":"https:\/\/musimi.dk\/blog\/wp-content\/uploads\/2020\/07\/musimi.dk_.jpg","type":"image\/jpeg"}],"author":"Ekstern Redaktion (Reklame)","twitter_card":"summary_large_image","twitter_misc":{"Skrevet af":"Ekstern Redaktion (Reklame)","Estimeret l\u00e6setid":"3 minutter"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/musimi.dk\/blog\/digital-oekonomi-fordele-ved-at-samle-dine-smaa-laan-online\/","url":"https:\/\/musimi.dk\/blog\/digital-oekonomi-fordele-ved-at-samle-dine-smaa-laan-online\/","name":"Digital \u00f8konomi - fordele ved at samle dine sm\u00e5 l\u00e5n online - Musimi.dk bloggen","isPartOf":{"@id":"https:\/\/musimi.dk\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/musimi.dk\/blog\/digital-oekonomi-fordele-ved-at-samle-dine-smaa-laan-online\/#primaryimage"},"image":{"@id":"https:\/\/musimi.dk\/blog\/digital-oekonomi-fordele-ved-at-samle-dine-smaa-laan-online\/#primaryimage"},"thumbnailUrl":"https:\/\/musimi.dk\/blog\/wp-content\/uploads\/2020\/07\/musimi.dk_.jpg","datePublished":"2020-07-17T08:00:41+00:00","author":{"@id":"https:\/\/musimi.dk\/blog\/#\/schema\/person\/b62c62af329dba1c392e69bfd9cff8e2"},"breadcrumb":{"@id":"https:\/\/musimi.dk\/blog\/digital-oekonomi-fordele-ved-at-samle-dine-smaa-laan-online\/#breadcrumb"},"inLanguage":"da-DK","potentialAction":[{"@type":"ReadAction","target":["https:\/\/musimi.dk\/blog\/digital-oekonomi-fordele-ved-at-samle-dine-smaa-laan-online\/"]}]},{"@type":"ImageObject","inLanguage":"da-DK","@id":"https:\/\/musimi.dk\/blog\/digital-oekonomi-fordele-ved-at-samle-dine-smaa-laan-online\/#primaryimage","url":"https:\/\/musimi.dk\/blog\/wp-content\/uploads\/2020\/07\/musimi.dk_.jpg","contentUrl":"https:\/\/musimi.dk\/blog\/wp-content\/uploads\/2020\/07\/musimi.dk_.jpg","width":1999,"height":1333,"caption":"Stack of money with calculator and wallet isolated on white background. Danish krone. can be used for economic and money themes"},{"@type":"BreadcrumbList","@id":"https:\/\/musimi.dk\/blog\/digital-oekonomi-fordele-ved-at-samle-dine-smaa-laan-online\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Hjem","item":"https:\/\/musimi.dk\/blog\/"},{"@type":"ListItem","position":2,"name":"Digital \u00f8konomi – fordele ved at samle dine sm\u00e5 l\u00e5n online"}]},{"@type":"WebSite","@id":"https:\/\/musimi.dk\/blog\/#website","url":"https:\/\/musimi.dk\/blog\/","name":"Musimi.dk bloggen","description":"Dansk tech-blog!","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/musimi.dk\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"da-DK"},{"@type":"Person","@id":"https:\/\/musimi.dk\/blog\/#\/schema\/person\/b62c62af329dba1c392e69bfd9cff8e2","name":"Ekstern Redaktion (Reklame)","image":{"@type":"ImageObject","inLanguage":"da-DK","@id":"https:\/\/musimi.dk\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/a16ddc5395ec7da3a10de82e6b36be83?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/a16ddc5395ec7da3a10de82e6b36be83?s=96&d=mm&r=g","caption":"Ekstern Redaktion (Reklame)"},"url":"https:\/\/musimi.dk\/blog\/author\/ekstern-redaktion\/"}]}},"_links":{"self":[{"href":"https:\/\/musimi.dk\/blog\/wp-json\/wp\/v2\/posts\/521","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/musimi.dk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/musimi.dk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/musimi.dk\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/musimi.dk\/blog\/wp-json\/wp\/v2\/comments?post=521"}],"version-history":[{"count":2,"href":"https:\/\/musimi.dk\/blog\/wp-json\/wp\/v2\/posts\/521\/revisions"}],"predecessor-version":[{"id":524,"href":"https:\/\/musimi.dk\/blog\/wp-json\/wp\/v2\/posts\/521\/revisions\/524"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/musimi.dk\/blog\/wp-json\/wp\/v2\/media\/522"}],"wp:attachment":[{"href":"https:\/\/musimi.dk\/blog\/wp-json\/wp\/v2\/media?parent=521"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/musimi.dk\/blog\/wp-json\/wp\/v2\/categories?post=521"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/musimi.dk\/blog\/wp-json\/wp\/v2\/tags?post=521"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}