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":3553,"date":"2009-05-21T06:49:35","date_gmt":"2009-05-21T04:49:35","guid":{"rendered":"http:\/\/konsumenter.se\/blogg\/?p=3553"},"modified":"2009-05-21T06:49:35","modified_gmt":"2009-05-21T04:49:35","slug":"stora-prisskillnader-pa-kontokrediter","status":"publish","type":"post","link":"https:\/\/konsumenter.se\/blogg\/?p=3553","title":{"rendered":"Stora prisskillnader p\u00e5 kontokrediter"},"content":{"rendered":"

En kontokredit \u00e4r en bra l\u00e5neform om du bara anv\u00e4nder den d\u00e5 och d\u00e5 och inte alltid st\u00e5r p\u00e5 minus. Det \u00e4r SvD:s E24 som reder ut<\/a> saken.<\/p>\n

Det \u00e4r stor skillnad mellan bankerna. Hos en del finns m\u00e5nga avgifter kring kontokrediten, hos andra \u00e4r det avgiftsfritt.<\/p>\n

F\u00f6rst och fr\u00e4mst kan du beh\u00f6va betala en uppl\u00e4ggningsavgift n\u00e4r du f\u00e5r en kontokredit. D\u00e4refter kan du f\u00e5 betala en \u00e5rlig avgift f\u00f6r att ha krediten, ibland kallad kontraktsr\u00e4nta. Dessutom betalar du hos alla banker l\u00e5ner\u00e4nta p\u00e5 det belopp du verkligen l\u00e5nar.<\/p>\n

N\u00e4r du j\u00e4mf\u00f6r kontokrediter \u00e4r det viktigt att se till den effektiva r\u00e4ntan. Det \u00e4r den r\u00e4nta du betalar inklusive alla avgifter m\u00e4tt efter n\u00e5gra typl\u00e5n.<\/p>\n

Ett exempel \u00e4r Nordea d\u00e4r l\u00e5ner\u00e4ntan \u00e4r 7,5 procent. Men om du har en kredit p\u00e5 10 000 kronor och l\u00e5nar h\u00e4lften av detta s\u00e5 betalar du en effektiv r\u00e4nta p\u00e5 16,42 procent som vanlig kund och 12,57 procent som f\u00f6rm\u00e5nskund.<\/p>\n

Hos Ica-banken \u00e4r r\u00e4ntan ungef\u00e4r densamma, 7,45 procent. Men den effektiva r\u00e4ntan \u00e4r betydligt l\u00e4gre \u00e4n hos Nordea, n\u00e4mligen 7,71 procent.<\/p>\n

Det \u00e4r mycket sv\u00e5rt att j\u00e4mf\u00f6ra kontokrediterna och villkoren hos de olika bankerna. Till skillnad fr\u00e5n exempelvis bol\u00e5n finns inte heller aktuella sammanst\u00e4llningar och tabeller. Men en del fakta g\u00e5r att hitta p\u00e5 bankernas hemsidor.<\/p>\n

Vet du att du bara i undantagsfall kommer att utnyttja krediten b\u00f6r du inte ha ditt l\u00f6nekonto med kredit hos en bank som tar ut en h\u00f6g \u00e5rlig avgift p\u00e5 krediten, skriver E24.<\/p>\n

Andra bloggar om: L\u00f6nekonto<\/a>, Kontokredit<\/a>, Avgifter<\/a>, R\u00e4nta<\/a>, Effektiv r\u00e4nta<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

En kontokredit \u00e4r en bra l\u00e5neform om du bara anv\u00e4nder den d\u00e5 och d\u00e5 och inte alltid st\u00e5r p\u00e5 minus. Det \u00e4r SvD:s E24 som reder ut saken. Det \u00e4r stor skillnad mellan bankerna. Hos en del finns m\u00e5nga avgifter kring kontokrediten, hos andra \u00e4r det avgiftsfritt. F\u00f6rst och fr\u00e4mst kan du beh\u00f6va betala en […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[10,44],"tags":[],"_links":{"self":[{"href":"https:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts\/3553"}],"collection":[{"href":"https:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3553"}],"version-history":[{"count":2,"href":"https:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts\/3553\/revisions"}],"predecessor-version":[{"id":3555,"href":"https:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts\/3553\/revisions\/3555"}],"wp:attachment":[{"href":"https:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3553"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3553"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3553"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}