{"id":303,"date":"2019-10-01T10:25:57","date_gmt":"2019-10-01T10:25:57","guid":{"rendered":"https:\/\/www.top5credits.com\/dk\/?p=303"},"modified":"2022-07-12T06:43:51","modified_gmt":"2022-07-12T06:43:51","slug":"sparxpres","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/dk\/anmeldelser\/sparxpres\/","title":{"rendered":"Sparxpres"},"content":{"rendered":"\n

Hos Sparxpres kan man l\u00e5ne op til 50.000 kr<\/a>, og et l\u00e5n skal betales tilbage over maksimalt 60 m\u00e5neder. Det er nemt at udfylde og indsende en anmodning om l\u00e5n, og et l\u00e5n vil blive udbetalt til NemKonto. Den \u00e5rlige variable debitorrente for et l\u00e5n ligger p\u00e5 12,95 %, og l\u00e5net kr\u00e6ver en kreditvurdering. Sparxpres h\u00f8rer under en af landets st\u00f8rste banker – nemlig Spar Nord Bank, og man l\u00e5ner derfor pengene hos denne bank. Sparxpres har siden 1992 tilbudt finansieringsl\u00f8sninger til forbrugerne.<\/p>\n\n\n\n\n\n\n\n\n\n

\n

Anmeldelse af Sparxpres 09\/2019<\/h2>\n\n\n\n

Det er let at komme i gang med at udfylde en l\u00e5neans\u00f8gning. P\u00e5 forsiden v\u00e6lger man l\u00e5nebel\u00f8b og l\u00f8betid. Man kan l\u00e5ne et bel\u00f8b p\u00e5 mellem 10.000 og 50.000 kr.<\/a> med en l\u00f8betid p\u00e5 12 – 60 m\u00e5neder. Jeg valgte selv at ans\u00f8ge om at l\u00e5ne 20.000 kr.<\/a> med en tilbagebetaling over 36 m\u00e5neder. Jeg fik i den forbindelse oplyst, at den m\u00e5nedlige ydelse for l\u00e5net ville blive p\u00e5 725 kr. Jeg fik ogs\u00e5 vejledende priser p\u00e5 de samlede kreditomkostninger, debitorrenten og \u00c5OP. Jeg fik ogs\u00e5 oplyst, at jeg skulle benytte mit NemID i l\u00e5neans\u00f8gningen. <\/p>\n\n\n\n

Jeg udfyldte mit fulde navn og e-mail, og jeg\nsagde ogs\u00e5 ja tak til, at Sparexres m\u00e5 sende mig information og nyhedsbreve.\nHerefter klikkede efterf\u00f8lgende p\u00e5 knappen Start din ans\u00f8gning for at komme i\ngang med at udfylde l\u00e5neans\u00f8gningen.<\/p>\n\n\n\n

\"Anmeldelse
Her v\u00e6lger man l\u00e5nebel\u00f8b og l\u00e5nets l\u00f8betid.<\/figcaption><\/figure>\n\n\n\n

Som det f\u00f8rste skulle jeg angive, om jeg er registreret i RKI eller Debitor Registret. Hvis man er det, har man ikke mulighed for at l\u00e5ne penge<\/a>. Herefter skulle jeg svare p\u00e5, hvad l\u00e5neform\u00e5let var. Der var her 22 forskellige valgmuligheder. Jeg skulle ogs\u00e5 svare p\u00e5, om det drejede sig om et nyt l\u00e5n eller en forh\u00f8jelse.<\/p>\n\n\n\n

\"Anmeldelse
Man skal her v\u00e6lge l\u00e5neform\u00e5l.<\/figcaption><\/figure>\n\n\n\n

Herefter skulle jeg i gang med at oplyse mine personlige oplysninger. Jeg skulle angive mit fulde navn, CPR-nummer, civilstand, telefonnummer og statsborgerskab. Jeg skulle ogs\u00e5 bekr\u00e6fte min e-mail. Jeg skulle desuden give tilladelse til, at Sparxpres m\u00e5 indhente oplysninger om mine eventuelle l\u00e5n og kreditter hos andre virksomheder. Jeg skulle desuden fort\u00e6lle om min boligtype, og om jeg har adressebeskyttelse. Herefter skulle jeg fort\u00e6lle min stillingsbetegnelse, og hvilket firma jeg er ansat i. Jeg skulle ogs\u00e5 v\u00e6lge min jobtitel, og hvor l\u00e6nge jeg har v\u00e6ret ansat. Herefter skulle jeg oplyse min m\u00e5nedlige indkomst b\u00e5de f\u00f8r og efter skat. Jeg skulle efterf\u00f8lgende ogs\u00e5 oplyse antal hjemmeboende b\u00f8rn. <\/p>\n\n\n\n

\"Anmeldelse
Her skal man i gang med at udfylde personlige oplysninger.<\/figcaption><\/figure>\n\n\n\n

Som det n\u00e6ste skulle jeg angive husstandens samlede indt\u00e6gter efter skat samt de samlede m\u00e5nedlige boligudgifter. Jeg skulle ogs\u00e5 fort\u00e6lle om husstandens m\u00e5nedlige ydelser p\u00e5 l\u00e5n og kreditter samt \u00f8vrige faste m\u00e5nedlige udgifter. Jeg skulle her ogs\u00e5 oplyse om husstandens m\u00e5nedlige r\u00e5dighedsbel\u00f8b.<\/p>\n\n\n\n

\"Anmeldelse
Her skal man oplyse om indt\u00e6gter og udgifter.<\/figcaption><\/figure>\n\n\n\n

Som det sidste skulle jeg oplyse mine bankforhold. Jeg skulle her fort\u00e6lle, om jeg har l\u00e5n i andre finanseringsselskaber. Jeg skulle ogs\u00e5 oplyse, om jeg var VISA\/Dankort. Jeg skulle desuden angive eventuelle andre kreditkort. Herefter skulle jeg indtaste min konto til BetalingsService, da den m\u00e5nedlig ydelse p\u00e5 l\u00e5net betales p\u00e5 denne m\u00e5de. Herefter kunne jeg tilf\u00f8je eventuelle bem\u00e6rkninger til ans\u00f8gningen. Til sidst var det blot at give samtykke til, at Spar Nord – og Sparxpres – m\u00e5 sende mig information om finansielle produkter. Jeg skulle ogs\u00e5 afkrydse, at jeg havde l\u00e6st og accepteret betingelserne. <\/p>\n\n\n\n

Derefter validerede jeg med NemID, og ans\u00f8gningen blev sendt af sted.<\/p>\n\n\n\n

\"Anmeldelse
Her skal man angive bankforhold – og efterf\u00f8lgende validere med NemID.<\/figcaption><\/figure>\n\n\n\n<\/span>\n\n\n\n

ET L\u00c5NETILBUD HOS SPARXPRES KAN EKSEMPELVIS SE S\u00c5DAN HER UD:<\/strong>
L\u00e5nebel\u00f8b: 40.000 kr.
L\u00f8betid: 5 \u00e5r.
Debitorrente: 12,95 %.
\u00c5OP: 15,79 %.
Kreditomkostninger: 16.789 kr.
Tilbagebetalingsbel\u00f8b: 56.789 kr.
Ovenst\u00e5ende beregning er vejledende. L\u00e5net kr\u00e6ver en almindelig kreditvurdering.<\/p>\n\n\n\n\n\n\n

Hvordan er gennemsigtigheden?<\/h3>\n\n\n\n

Gennemsigtigheden hos Sparxpres er stor. Det er synligt, hvad man skal betale for et l\u00e5n, og de vejledende priser fremg\u00e5r ogs\u00e5 meget tydeligt. Man kan altid f\u00e5 et estimat p\u00e5, hvad det vil koste at optage det l\u00e5n, man ans\u00f8ger om. Hos Sparxpres skal man v\u00e6re opm\u00e6rksom p\u00e5, at stiftelsesgebyret ligger p\u00e5 3 % af det samlede kreditbel\u00f8b eller minimum 1.000 kr.<\/p>\n\n\n\n

Hvordan er den videre ans\u00f8gningsproces?<\/h3>\n\n\n\n

N\u00e5r man har sendt ans\u00f8gningen af sted til Sparxpres, vil den blive behandlet af Spar Nord Bank. Man f\u00e5r pr. e-mail svar p\u00e5, om det er muligt at l\u00e5ne det bel\u00f8b, man har ans\u00f8gt om. Hvis man ans\u00f8ger i \u00e5bningstiden, vil man f\u00e5 svar samme dag. <\/p>\n\n\n\n

Det gik hurtigt at udfylde en l\u00e5neans\u00f8gning. Da jeg havde sendt den afsted, fik jeg svar samme eftermiddag, og jeg blev tilbudt at l\u00e5ne 20.000 kr.<\/a> Efter at have underskrevet l\u00e5neaftalen, gik der to hverdage, f\u00f8r pengene var p\u00e5 min NemKonto. Pengene vil blive overf\u00f8rt samme dag, som l\u00e5neaftalen underskrives, men der kan dog g\u00e5 helt op til tre hverdage, f\u00f8r de modtages.<\/p>\n\n\n\n

N\u00e5r man har en god \u00f8konomi, kan man derfor godt regne med at f\u00e5 mulighed for at l\u00e5ne penge<\/a> hos Sparxpres.<\/p>\n\n\n\n

Sparxpres Saldo<\/h3>\n\n\n\n

Sparxpres tilbyder en sms-service. Med denne kan man f\u00e5 oplyst sin saldo, mens det ogs\u00e5 er muligt at sp\u00e6rre sit kort. Hvis man \u00f8nsker at benytte denne service, skal man benytte sit kontonummer samt den sms-kode, der er oplyst i det brev, som man modtog sammen med kortet. Det g\u00f8res ved, at man sender en tekstbesked til 1272. Her skriver man SALDO \u201ckontonummer\u201d \u201csms-kode\u201d. Man vil herefter modtage en sms med saldoen og det disponible bel\u00f8b.<\/p>\n\n\n\n

Fordele ved Sparxpres<\/h3>\n\n\n\n

1. Et l\u00e5n\noptages under ordnede forhold<\/strong><\/p>\n\n\n\n

L\u00e5net etableres hos den veletablerede bank Spar Nord.<\/p>\n\n\n\n

2. L\u00e5n kan\nforh\u00f8jes<\/strong><\/p>\n\n\n\n

N\u00e5r man allerede har et l\u00e5n, kan det efter \u00f8nske forh\u00f8jes.<\/p>\n\n\n\n

3. Et l\u00e5n kan\naltid indfries f\u00f8r tid<\/strong><\/p>\n\n\n\n

Har man \u00f8nske om at komme ud af l\u00e5neaftalen f\u00f8r tid, kan\nman indfri sit l\u00e5n, n\u00e5r det er \u00f8nsket.<\/p>\n\n\n\n

Ulemper ved Sparxpres<\/h3>\n\n\n\n

1. Ikke\ns\u00e5 hurtig svartid<\/strong><\/p>\n\n\n\n

Et svar p\u00e5 en l\u00e5neans\u00f8gning kommer ikke med\ndet samme. Man kan dog forvente, at det kommer samme dag.<\/p>\n\n\n\n

2. Lang\nudbetalingstid<\/strong><\/p>\n\n\n\n

Selvom pengene bliver udbetalt samme dag, kan\nder g\u00e5 op til tre hverdage, f\u00f8r de er modtaget.<\/p>\n\n\n\n

\n
\n

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

info@sparxpres.dk
9616 1300<\/p>\n\n\n\n

\u00c5bningstider:
Hverdage: 10 – 16.<\/p>\n<\/div>\n\n\n\n

\n

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

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

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

Sp\u00f8rgsm\u00e5l og svar<\/h3>\n\n\n\n
Hvad koster det at l\u00e5ne?<\/strong>

Se her<\/a>, hvilken slags l\u00e5netilbud vi har f\u00e5et fra Sparxpres.<\/p> <\/div>

Hvor lang er l\u00e5nets l\u00f8betid?<\/strong>

L\u00e5n skal betales tilbage over maksimalt 60 m\u00e5neder.<\/p> <\/div>

Hvor hurtigt kan jeg f\u00e5 l\u00e5n?<\/strong>

Et svar p\u00e5 en l\u00e5neans\u00f8gning kommer ikke med det samme. Man kan dog forvente, at det kommer samme dag.<\/p> <\/div>

Hvad er fordelene ved Sparxpres?<\/strong>

N\u00e5r man allerede har et l\u00e5n, kan det efter \u00f8nske forh\u00f8jes.<\/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":"

Hos Sparxpres kan man l\u00e5ne op til 50.000 kr, og et l\u00e5n skal betales tilbage over maksimalt 60 m\u00e5neder. Det er nemt at udfylde og<\/p>\n

L\u00e6s mere Sparxpres<\/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-303","post","type-post","status-publish","format-standard","hentry","category-anmeldelser","entry"],"yoast_head":"\nSparxpres l\u00e5n - L\u00e6s anmeldelse - Top5Credits<\/title>\n<meta name=\"description\" content=\"Vi testede Sparxpres - l\u00e6s om vores erfaringer og \u00e6rlige anmeldelse. 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