{"id":1072,"date":"2020-05-29T09:11:47","date_gmt":"2020-05-29T09:11:47","guid":{"rendered":"https:\/\/www.top5credits.com\/dk\/?p=1072"},"modified":"2022-07-11T08:02:04","modified_gmt":"2022-07-11T08:02:04","slug":"santander-consumer-bank","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/dk\/anmeldelser\/santander-consumer-bank\/","title":{"rendered":"Santander Consumer Bank"},"content":{"rendered":"\n

Santander Consumer Bank er en bank, der b\u00e5de tilbyder bill\u00e5n<\/a>, privatl\u00e5n, samlel\u00e5n<\/a>, kreditkort, opsparing og forsikring. Banken er en del af Banco Santander, som er blandt de st\u00f8rste i verden.<\/p>\n\n\n\n

Santander Consumer Bank er Danmarks f\u00f8rende udbyder af bill\u00e5n, men de tilbyder ogs\u00e5 privatl\u00e5n fra 10.000 kr. til 350.000 kr. til en lav variabel debitorrente fra 3,90 %. Renten fasts\u00e6ttes ud fra en individuel kreditvurdering og tilbagebetalingsperioden som kan v\u00e6re fra 1-15 \u00e5r.
Santanders privatl\u00e5n er opdelt i to forskellige l\u00e5n \u2013 et Privatl\u00e5n og et Privatl\u00e5n Plus. Skal du l\u00e5ne under 50.000 kr. kan du f\u00e5 et Privatl\u00e5n til en variabel rente fra 9,95 %. Skal du l\u00e5ne over 50.000 kr. kan du f\u00e5 et Privatl\u00e5n Plus til en variabel rente fra 3,90 %.<\/p>\n\n\n\n\n\n\n\n\n\n

\n

Anmeldelse af Santander Consumer Bank Privatl\u00e5n og Privatl\u00e5n Plus 4\/2020<\/h2>\n\n\n\n

Santander Consumer Bank tilbyder l\u00e5n p\u00e5 en professionel m\u00e5de og med en lav rente. De tilbyder l\u00e5n fra 10.000 kr. til 350.000 kr. \u2013 og der er derfor rig mulighed for at l\u00e5ne til b\u00e5de ferier, fester, boligforbedringer eller lige d\u00e9t, man st\u00e5r og mangler penge til.<\/p>\n\n\n\n

P\u00e5 hjemmesiden gik jeg ind under Privatl\u00e5n, hvor jeg skulle v\u00e6lge, om jeg ville l\u00e5ne over eller under 50.000 kr. <\/a>alt efter om jeg skulle have et Privatl\u00e5n eller et Privatl\u00e5n Plus. Da jeg gerne ville l\u00e5ne over 50.000 kroner til boligforbedringer, valgte jeg derfor Privatl\u00e5n Plus.<\/p>\n\n\n\n

P\u00e5 siden kunne jeg med det samme se, at Santander tilbyder en lav variabel debitorrente fra 3,90 %, hurtigt svar og en uforpligtende ans\u00f8gning. Det var afg\u00f8rende for, at jeg ville ans\u00f8ge om et l\u00e5n hos Santander, da jeg hurtigt og nemt kunne se, om det var muligt for mig at l\u00e5ne penge<\/a>, og hvad det ville koste.<\/p>\n\n\n\n

\"Santander<\/figure>\n\n\n\n

Selve ans\u00f8gningsprocessen foregik ved, at jeg i venstre side p\u00e5 siden valgte mit l\u00e5nebel\u00f8b samt afbetalingstiden. Under de to \u2019slidere\u2019 kunne jeg med det samme se, hvad den m\u00e5nedlige ydelse for mit l\u00e5n ville blive og i de r\u00f8de felter til h\u00f8jre kunne jeg se \u00c5OP, kreditomkostninger og tilbagebetaling i alt.<\/p>\n\n\n\n

\"Santander<\/figure>\n\n\n\n

Efter at have valgt mit l\u00e5nebel\u00f8b og tilbagebetalingstiden trykkede jeg p\u00e5 \u2019start din ans\u00f8gning\u2019 og blev herefter ledt videre ind i selve l\u00e5neans\u00f8gningen. F\u00f8rst skulle jeg besvare en r\u00e6kke simple sp\u00f8rgsm\u00e5l som en form for forh\u00e5ndsgodkendelse. Her skulle jeg svare p\u00e5, om jeg er registreret i RKI eller Debitor Registret, hvad jeg skal bruge pengene til og om jeg har en medans\u00f8ger. Jeg s\u00f8gte om l\u00e5net alene og svarede derfor nej til sp\u00f8rgsm\u00e5let om en medans\u00f8ger. Derfor skulle jeg ogs\u00e5 svare p\u00e5, om min samlede \u00e5rsindkomst er over 240.000 kr. Da det er et krav for at kunne l\u00e5ne over 50.000 kr.<\/a><\/p>\n\n\n\n

\"Privatl\u00e5n<\/figure>\n\n\n\n

Herefter skulle jeg godkende min l\u00e5neans\u00f8gning med mit NemID og blev s\u00e5 f\u00f8rt videre i godkendelsesprocessen, hvor Santander foretog en individuel kreditvurdering ud fra min \u00e5rsopg\u00f8relse, personlige oplysninger, \u00f8konomi m.m.<\/p>\n\n\n\n

\"Santander<\/figure>\n\n\n\n

Efter at have gennemg\u00e5et alle punkterne ans\u00f8gningsprocessen, foretog Santander den individuelle kreditvurdering. Kort tid efter fik jeg en besked om, hvad renten og omkostningerne ville v\u00e6re for mit l\u00e5n. Herefter skulle jeg underskrive ans\u00f8gningen og i l\u00f8bet af f\u00e5 dage havde jeg pengene p\u00e5 min konto.<\/p>\n\n\n\n

Jeg synes, at l\u00e5neprocessen var nem og overskuelig, og det var rart at vide, at jeg blot kunne ans\u00f8ge og f\u00f8rst derefter beslutte mig for, om jeg ville have l\u00e5net. Det er nemlig lidt \u00e6rgerligt, at man ikke kan se den egentlige rente, f\u00f8r der er lavet en individuel kreditvurdering. Men det gik heldigvis meget hurtigt. Jeg f\u00f8lte mig i tryg p\u00e5 Santanders hjemmeside, hvor jeg nemt kunne finde svar p\u00e5 mine sp\u00f8rgsm\u00e5l med deres detaljerede \u2019sp\u00f8rgsm\u00e5l og svar\u2019 p\u00e5 hjemmesiden. Jeg kontaktede dog ogs\u00e5 deres kundeservice, som har \u00e5bent alle hverdage fra 10-16. Her fik jeg kyndig personlig vejledning, hvor jeg blev guidet igennem de udfordringer jeg havde med min ans\u00f8gning. Den eneste ulempe er, at de ikke har \u00e5bnet om aftenen og i weekenden, hvor man ofte har tid til at sidde og kigge p\u00e5 mulighederne for at l\u00e5ne penge<\/a>.<\/p>\n\n\n\n<\/span>\n\n\n\n

ET L\u00c5NETILBUD HOS SANTANDER CONSUMER BANK KAN SE S\u00c5DAN HER UD:<\/strong>
L\u00e5nebel\u00f8b: 200.000 kr.
L\u00f8betid: 120 m\u00e5neder
Debitorrente: Fra 3,90 %
\u00c5OP: 4,82 %.
Kreditomkostninger: 51.260 kr.
Tilbagebetalingsbel\u00f8b: 251.260 kr.<\/p>\n\n\n\n

Hvem kan f\u00e5 et privatl\u00e5n hos Santander Consumer Bank?<\/h2>\n\n\n\n

Santanders krav til kunder er f\u00f8lgende:<\/p>\n\n\n\n

  • CPR-nummer <\/li>
  • Over 18 \u00e5r <\/li>
  • Dansk folkeregisteradresse <\/li>
  • \u00c5rligt indkomstkrav p\u00e5 min. 120.000 kr. <\/li>
  • Ingen registrering i RKI eller Debitor Registret<\/li><\/ul>\n\n\n\n
    \n
    \n

    Kundeservice<\/h3>\n\n\n\n

    tlf. 70 21 31 31 <\/p>\n\n\n\n

    Hverdage 10-16<\/p>\n<\/div>\n\n\n\n

    \n

    Adresse<\/h3>\n\n\n\n

    Santander Consumer Bank, Stamholmen 149, 5. sal,
    2650 Hvidovre<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n

    <\/div>\n\n\n\n

    Sp\u00f8rgsm\u00e5l og svar<\/h3>\n\n\n\n
    Hvor meget kan jeg l\u00e5ne og over hvor lang tid?<\/strong>

    Du kan l\u00e5ne fra 10.000 kr. til 350.000 kr. Du kan betale pengene tilbage over 12-180 m\u00e5neder. L\u00e5ner du under 50.000 kr. er l\u00f8betiden dog maks. 120 m\u00e5neder, l\u00e5ner du mellem 50.000 og 150.000 er l\u00f8betiden maks. 144 m\u00e5neder og l\u00e5ner du over 150.000 er l\u00f8betiden maks. 180 m\u00e5neder.<\/p> <\/div>

    Hvilke dokumenter skal jeg bruge til at ans\u00f8ge?<\/strong>

    Du skal bruge din seneste l\u00f8nseddel samt din \u00e5rsopg\u00f8relse for at kunne optage et l\u00e5n. Santander modtager automatisk oplysninger via skat, n\u00e5r du logger ind med dit NemID og giver samtykke til, at de m\u00e5 f\u00e5 dem udleveret.Derudover skal de bruge en kopi af dit sygesikringsbevis, hvis du har hemmelig adresse. Hvis du ans\u00f8ger med en partner, skal I begge opgive ovenst\u00e5ende oplysninger.<\/p> <\/div>

    Hvorn\u00e5r f\u00e5r jeg pengene?<\/strong>

    N\u00e5r l\u00e5neans\u00f8gningen er udfyldt g\u00e5r der et \u00f8jeblik, f\u00f8r du f\u00e5r at vide, om du er godkendt. Herefter skal du skrive under p\u00e5 l\u00e5netilbuddet med dit NemID, og du har s\u00e5 pengene p\u00e5 din konto i l\u00f8bet af et par hverdage.<\/p> <\/div>

    Hvilken type rente har Santander Consumer Bank?<\/strong>

    De har en variabel rente, som fasts\u00e6ttes efter en individuel kreditvurdering samt det bel\u00f8b og l\u00f8betiden, som du v\u00e6lger for dit l\u00e5n.<\/p> <\/div> <\/div>\n\n\n\n

    <\/div>\n\n\n\n\n\n\n
    <\/div>\n\n\n\n
    \n\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"

    Santander Consumer Bank er en bank, der b\u00e5de tilbyder bill\u00e5n, privatl\u00e5n, samlel\u00e5n, kreditkort, opsparing og forsikring. Banken er en del af Banco Santander, som er<\/p>\n

    L\u00e6s mere Santander Consumer Bank<\/span><\/p>\n","protected":false},"author":15,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-arvostelu.php","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-1072","post","type-post","status-publish","format-standard","hentry","category-anmeldelser","entry"],"yoast_head":"\nSantander Consumer Bank - L\u00e6s anmeldelse - Top5Credits<\/title>\n<meta name=\"description\" content=\"Vi testede Santander Consumer Bank - l\u00e6s om vores erfaringer og \u00e6rlige anmeldelse. 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