Warning: Constant ABSPATH already defined in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php on line 22 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 Warning: Cannot modify header information - headers already sent by (output started at /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-config.php:22) in /customers/8/4/0/konsumenter.se/httpd.www/blogg/wp-includes/rest-api/class-wp-rest-server.php on line 1648 {"id":740,"date":"2008-01-17T05:31:25","date_gmt":"2008-01-17T04:31:25","guid":{"rendered":"http:\/\/konsumenter.se\/blogg\/?p=740"},"modified":"2008-01-17T05:31:25","modified_gmt":"2008-01-17T04:31:25","slug":"nya-eu-regler-knappast-slutet-for-sms-lanen","status":"publish","type":"post","link":"http:\/\/konsumenter.se\/blogg\/?p=740","title":{"rendered":"Nya EU-regler knappast slutet f\u00f6r sms-l\u00e5nen"},"content":{"rendered":"

Nu dras snaran \u00e5t om l\u00e5nebolag som ger snabba konsumtionskrediter som sms-l\u00e5n. Europaparlamentet beslutade att det tydligt ska framg\u00e5 hur stor totalkostnaden f\u00f6r ett l\u00e5n blir, enligt DN<\/a>. \u00c4ven Ekot rapporterar<\/a> om beslutet.<\/p>\n

Hittills har sm\u00e5 konsumtionsl\u00e5n inte reglerats p\u00e5 samma s\u00e4tt som st\u00f6rre krediter. Men nu har Europaparlamentet best\u00e4mt att alla l\u00e5n \u00f6ver 200 euro (knappt 1.900 kronor) ska omfattas av samma regler som de st\u00f6rre l\u00e5nen.<\/p>\n

F\u00f6rutom att det ska bli l\u00e4ttare f\u00f6r konsumenten att r\u00e4kna ut totalkostnaden f\u00f6r ett l\u00e5n, inneb\u00e4r det nya direktivet att den som tar ett l\u00e5n f\u00e5r \u00e5ngerr\u00e4tt.<\/p>\n

Dessutom m\u00e5ste l\u00e5nebolaget ta kreditupplysning innan ett l\u00e5n medges. S\u00e5 \u00e4r det inte p\u00e5 alla snabbl\u00e5n i Sverige i dag, skriver DN.<\/p>\n

Jag tror att det h\u00e4r \u00e4r ett kraftfullt slag i luften. Gr\u00e4nsen p\u00e5 200 \u00e4r f\u00f6rh\u00e5llandevis h\u00f6g. L\u00e5nebolagen har i dag en \u00f6vre gr\u00e4ns p\u00e5 3000 kronor. L\u00e4gger bolagen gr\u00e4nsen straxt under 200 g\u00e4ller inte de nya best\u00e4mmelserna.<\/p>\n

Bolagen upplyser redan i dag om (n\u00e4stan hela) kostnaden f\u00f6r l\u00e5net, det verkar inte avskr\u00e4cka dem som \u00e4r i knipa. Genom att kalla kostnaden f\u00f6r en avgift beh\u00f6ver de inte heller upplysa om den effektiva r\u00e4ntan, som kan vara astronomisk. Jag kan inte hitta n\u00e5got i f\u00f6rslaget som f\u00f6rhindrar detta.<\/p>\n

Det finns l\u00e5nebolag som redan i dag<\/a> inf\u00f6rt \u201d\u00e5ngerr\u00e4tt\u201d. Mot en \u201davgift\u201d kan du betala tillbaka l\u00e5net inom ett par veckor. Att avgiften \u00e4r lika stor som om du beh\u00e5llit l\u00e5net talar de tyst om.<\/p>\n

Det enda i f\u00f6rslaget som kan ha en effekt \u00e4r kreditpr\u00f6vningen. Det hade ocks\u00e5 varit p\u00e5 sin plats med en sp\u00e4rr mot den snabba utbetalningen, men det har flera banker redan hj\u00e4lpt till<\/a> med.<\/p>\n

De nya reglerna kommer nog att ha liten effekt mot sms-l\u00e5nen. D\u00e4remot kan de ge en f\u00f6rb\u00e4ttring n\u00e4r det g\u00e4ller andra snabba konsumentkrediter som marknadsf\u00f6rs under beteckningen<\/a> \u201dr\u00e4ntefritt\u201d.<\/p>\n

Andra bloggar om: Sms-l\u00e5n<\/a>, Snabbl\u00e5n<\/a>, Konsumentkrediter<\/a>, EU<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Nu dras snaran \u00e5t om l\u00e5nebolag som ger snabba konsumtionskrediter som sms-l\u00e5n. Europaparlamentet beslutade att det tydligt ska framg\u00e5 hur stor totalkostnaden f\u00f6r ett l\u00e5n blir, enligt DN. \u00c4ven Ekot rapporterar om beslutet. Hittills har sm\u00e5 konsumtionsl\u00e5n inte reglerats p\u00e5 samma s\u00e4tt som st\u00f6rre krediter. Men nu har Europaparlamentet best\u00e4mt att alla l\u00e5n \u00f6ver 200 […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[33,34,51],"tags":[],"_links":{"self":[{"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts\/740"}],"collection":[{"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=740"}],"version-history":[{"count":0,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts\/740\/revisions"}],"wp:attachment":[{"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=740"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=740"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=740"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}