{"id":312,"date":"2019-10-01T11:27:22","date_gmt":"2019-10-01T11:27:22","guid":{"rendered":"https:\/\/www.top5credits.com\/dk\/?p=312"},"modified":"2022-07-12T06:42:54","modified_gmt":"2022-07-12T06:42:54","slug":"express-bank","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/dk\/anmeldelser\/express-bank\/","title":{"rendered":"Express Bank"},"content":{"rendered":"\n<p>Express Bank er en erfaren bank med mere end 30 \u00e5r p\u00e5 bagen. Det er muligt at <a href=\"https:\/\/www.top5credits.com\/dk\/laansammenligning\/lan-300000\/\">l\u00e5ne op til 300.000 kr.<\/a> Man kan <a href=\"https:\/\/www.top5credits.com\/dk\/laansammenligning\/\">l\u00e5ne penge<\/a> til alle former for forbrug, mens det ogs\u00e5 er muligt at l\u00e5ne til bil, rejser og lignende. <\/p>\n\n\n\n\n<section>\n<h5 class=\"luelisaanappi hidden-header\" style=\"border: none;text-transform: none\"><span class=\"show-more\">L\u00e6s mere&#8230;<\/span><\/h5>\n<div class=\"luelisaateksti\">\n<p>Hos Express Bank er det ogs\u00e5 muligt at samle l\u00e5n, man allerede har. Dette kan g\u00f8res helt op til 500.000 kr. Denne l\u00e5neudbyder tilbyder en attraktiv rente samt hurtig, sikker og nem ans\u00f8gningsproces. Et l\u00e5n kan udbetales til NemKonto inden for 1-2 hverdage. Den p\u00e5lydende rente p\u00e5 et l\u00e5n er startende ved 3,49 %. Man f\u00e5r svar p\u00e5 ans\u00f8gningen i l\u00f8bet af f\u00e5 minutter. Ans\u00f8gningen er aldrig bindende, og der skal ikke stilles sikkerhed for et l\u00e5n. Express Bank er en del af BNP Paribas Personal Finance.<\/p>\n<\/div>\n<\/section>\n\n\n\n\n\n\n\n\n\n\n<div id=\"anmeldelse\" class=\"wp-block-group arvostelu\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\">Anmeldelse af Express Bank 09\/2019<\/h2>\n\n\n\n<p>N\u00e5r man \u00f8nsker at ans\u00f8ge om et l\u00e5n hos Express Bank g\u00f8res det ved enten at scrolle ned p\u00e5 forsiden eller ved at trykke p\u00e5 knappen Beregn og ans\u00f8g her. Herefter bliver man pr\u00e6senteret for en l\u00e5neberegner, hvor man kan se vejledende priser p\u00e5 forskellige l\u00e5nebel\u00f8b. Det mindste l\u00e5nebel\u00f8b er p\u00e5 <a href=\"https:\/\/www.top5credits.com\/dk\/laansammenligning\/laan-10000\/\">10.000 kr.<\/a>, mens det h\u00f8jeste er p\u00e5 <a href=\"https:\/\/www.top5credits.com\/dk\/laansammenligning\/lan-300000\/\">300.000 kr.<\/a> <\/p>\n\n\n\n<p>Jeg \u00f8nskede at ans\u00f8ge om et l\u00e5n p\u00e5 80.000 kr.\nog angav derfor dette i beregneren. Herefter besluttede jeg mig for, at\nl\u00f8betiden skulle v\u00e6re p\u00e5 96 m\u00e5neder, hvilket vil sige otte \u00e5r. En l\u00f8betid kan\nv\u00e6re p\u00e5 alt mellem 24 og 96 m\u00e5neder. Da jeg havde angivet de to parametre,\nkunne jeg se, at den m\u00e5nedlige ydelse for l\u00e5net p\u00e5 80.000 kr. i 96 m\u00e5neder\nville komme til at ligge p\u00e5 mellem 1.000 og 1.437 kr. Jeg fik ogs\u00e5 oplyst, at\nden endelige ydelse ville afh\u00e6nge af en kreditvurdering. Jeg kunne ogs\u00e5 se, at\ndebitorrenten ville ligge p\u00e5 3,55 &#8211; 14,92 %, mens \u00c5OP ville v\u00e6re p\u00e5 4,76 &#8211;\n16,11 %. Jeg blev ogs\u00e5 oplyst om l\u00e5nets estimerede kreditomkostninger samt det\nsamlede tilbagebetalingsbel\u00f8b. <\/p>\n\n\n\n<p>Derudover blev jeg ogs\u00e5 forberedt p\u00e5, at der\nvar b\u00e5de betalingsgebyr og administrationsgebyr forbundet med l\u00e5net. At stifte\ndette l\u00e5n ville komme til at koste 800 kr., og det blev oplyst, at denne\nst\u00f8rrelse var medtaget i beregningerne. Det blev ogs\u00e5 oplyst, at der var 14\ndages fortrydelsesret p\u00e5 kreditaftalen.<\/p>\n\n\n\n<p>Inden jeg skulle i gang med selve ans\u00f8gningen,\nkunne jeg v\u00e6lge, om jeg ville forsikre mit l\u00e5n med en L\u00e5ne- og\nkreditforsikring. Jeg blev oplyst, at denne ville koste mellem 85 &#8211; 122 kr. om\nm\u00e5neden, og jeg kunne se, at prisen var afh\u00e6ngig af b\u00e5de l\u00e5nebel\u00f8bet og\nl\u00f8betiden. Det valgte jeg ikke at takke ja til. <\/p>\n\n\n\n<p>Jeg fik ogs\u00e5 muligheden for at klikke p\u00e5\nknappen Fakta og priser, og her fik jeg uddybende viden om de generelle priser\np\u00e5 et l\u00e5n. Jeg fik ogs\u00e5 her oplyst, at der ved en ans\u00f8gning gives samtykke til\nSkat. Jeg klikkede herefter p\u00e5 knappen Ans\u00f8g nu for at komme i gang med\nl\u00e5neans\u00f8gningen.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"478\" src=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank-1024x478.png?cdn=1.1.3\" alt=\"Anmeldelse af Express Bank | I l\u00e5neberegneren v\u00e6lger man l\u00e5nebel\u00f8b og l\u00f8betid.\" class=\"wp-image-314\" srcset=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank-1024x478.png?cdn=1.1.3 1024w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank-300x140.png?cdn=1.1.3 300w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank-768x358.png?cdn=1.1.3 768w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank.png?cdn=1.1.3 1339w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption>I l\u00e5neberegneren v\u00e6lger man l\u00e5nebel\u00f8b og l\u00f8betid.<\/figcaption><\/figure>\n\n\n\n<p>Som det f\u00f8rste skulle jeg indtaste mit navn,\nCPR-nummer og adresse. Jeg blev p\u00e5 denne side ogs\u00e5 igen informeret om mit\nl\u00e5nebel\u00f8b og den m\u00e5nedlige ydelse samt debitorrenten og \u00c5OP. Her afveg disse\nst\u00f8rrelser dog en smule fra dem, der tidligere var blevet opgivet.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"485\" src=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank2-1024x485.png?cdn=1.1.3\" alt=\"Her skal man i gang med at indtaste personlige oplysninger.\" class=\"wp-image-315\" srcset=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank2-1024x485.png?cdn=1.1.3 1024w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank2-300x142.png?cdn=1.1.3 300w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank2-768x364.png?cdn=1.1.3 768w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank2.png?cdn=1.1.3 1336w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption>Her skal man i gang med at indtaste personlige oplysninger.<\/figcaption><\/figure>\n\n\n\n<p>Herefter skulle jeg indtaste mit postnummer, og jeg skulle\nogs\u00e5 angive, hvor lang tid jeg har boet p\u00e5 adressen. Jeg skulle ogs\u00e5 indtaste\nmit mobilnummer og min e-mailadresse. Til sidst skulle jeg opgive min\nciviltilstand. Jeg kunne ogs\u00e5 se, at hvis jeg havde brug for hj\u00e6lp, var der\noplyst et telefonnummer til Express Bank, som jeg kunne ringe til. Herefter\nklikkede jeg p\u00e5 knappen Forts\u00e6t for at komme videre med ans\u00f8gningen. <\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"485\" src=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank3-1024x485.png?cdn=1.1.3\" alt=\"Her skal man indtaste flere personlige oplysninger.\" class=\"wp-image-316\" srcset=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank3-1024x485.png?cdn=1.1.3 1024w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank3-300x142.png?cdn=1.1.3 300w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank3-768x363.png?cdn=1.1.3 768w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank3.png?cdn=1.1.3 1348w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption>Her skal man indtaste flere personlige oplysninger, inden man kan forts\u00e6tte.<\/figcaption><\/figure>\n\n\n\n<p>Herefter blev jeg sendt videre til at udfylde de yderligere\npersonlige oplysninger. Der var her tale om antal hjemmeboende b\u00f8rn, biler i\nhusstanden samt m\u00e5nedlige udgifter til offentlige transportmidler. Jeg skulle\nogs\u00e5 opgive min nationalitet og fort\u00e6lle, om jeg er dansk statsborger. Inden\njeg kunne komme videre, skulle jeg ogs\u00e5 oplyse form\u00e5let med l\u00e5net. Jeg kunne\ndog se, at l\u00e5neform\u00e5let ikke indgik som en del af kreditvurderingen.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"965\" height=\"1024\" src=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank4-965x1024.png?cdn=1.1.3\" alt=\"Her skal man udfylde yderligere personlige oplysninger om sig selv.\" class=\"wp-image-317\" srcset=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank4-965x1024.png?cdn=1.1.3 965w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank4-283x300.png?cdn=1.1.3 283w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank4-768x815.png?cdn=1.1.3 768w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank4.png?cdn=1.1.3 1007w\" sizes=\"auto, (max-width: 965px) 100vw, 965px\" \/><figcaption>Her skal man udfylde yderligere personlige oplysninger om sig selv.<\/figcaption><\/figure>\n\n\n\n<p>Da jeg kom videre, skulle jeg angive oplysninger om min \u00f8konomi. Den f\u00f8rste side ber\u00f8rte mine boligforhold. Jeg skulle angive, hvilken boligtype jeg bor i. Jeg skulle ogs\u00e5 fort\u00e6lle, hvor store m\u00e5nedlige boligudgifter, jeg har, samt mine \u00e5rlige udgifter til varme og opvarmning af vand. Mine m\u00e5nedlige udgifter til telefon, internet og tv skulle ogs\u00e5 oplyses. Herefter skulle jeg ogs\u00e5 svare p\u00e5, hvor store forsikringsomkostninger jeg har, og om jeg ejer et sommerhus. Herefter kunne jeg igen trykke Forts\u00e6t.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"913\" height=\"1024\" src=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank5-913x1024.png?cdn=1.1.3\" alt=\"Her skal man i gang med at fort\u00e6lle om sine \u00f8konomiske forhold.\" class=\"wp-image-318\" srcset=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank5-913x1024.png?cdn=1.1.3 913w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank5-267x300.png?cdn=1.1.3 267w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank5-768x862.png?cdn=1.1.3 768w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank5.png?cdn=1.1.3 959w\" sizes=\"auto, (max-width: 913px) 100vw, 913px\" \/><figcaption>Her skal man i gang med at fort\u00e6lle om sine \u00f8konomiske forhold. F\u00f8rst omkring boligen.<\/figcaption><\/figure>\n\n\n\n<p>Som det n\u00e6ste skulle jeg angive oplysninger omkring min besk\u00e6ftigelse. Jeg skulle her angive min besk\u00e6ftigelsestype, og hvor l\u00e6nge jeg har v\u00e6ret p\u00e5 min nuv\u00e6rende arbejdsplads. Jeg skulle ogs\u00e5 oplyse min l\u00e6ngste uddannelse, og om jeg er medlem af en A-kasse. Herefter skulle jeg ogs\u00e5 indtaste min m\u00e5nedsindkomst b\u00e5de f\u00f8r og efter skat. Jeg skulle ogs\u00e5 oplyse, om jeg har en anden indt\u00e6gt.Til sidst skulle jeg her fort\u00e6lle, om jeg ejer en virksomhed, og om jeg har Dankort, VISA\/Dankort eller Mastercard. Herefter kunne jeg g\u00e5 videre til n\u00e6ste fane.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"773\" height=\"1024\" src=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank6-773x1024.png?cdn=1.1.3\" alt=\"Her skal man indtaste oplysninger om sin besk\u00e6ftigelse.\" class=\"wp-image-319\" srcset=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank6-773x1024.png?cdn=1.1.3 773w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank6-226x300.png?cdn=1.1.3 226w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank6-768x1017.png?cdn=1.1.3 768w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank6.png?cdn=1.1.3 967w\" sizes=\"auto, (max-width: 773px) 100vw, 773px\" \/><figcaption>Her skal man indtaste oplysninger om sin besk\u00e6ftigelse.<\/figcaption><\/figure>\n\n\n\n<p>Som det n\u00e6ste skulle jeg i gang med at fort\u00e6lle om min eventuelle g\u00e6ld. Her skulle jeg oplyse om alle eventuelle l\u00e5n og kreditter. Jeg skulle ogs\u00e5 fort\u00e6lle, om jeg har optaget g\u00e6ld siden 1. januar i \u00e5r. Herefter kunne jeg igen trykke p\u00e5 Forts\u00e6t for at g\u00e5 videre til den n\u00e6ste fane.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"978\" height=\"878\" src=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank7.png?cdn=1.1.3\" alt=\"Her skal man oplyse om eventuel g\u00e6ld.\" class=\"wp-image-320\" srcset=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank7.png?cdn=1.1.3 978w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank7-300x269.png?cdn=1.1.3 300w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank7-768x689.png?cdn=1.1.3 768w\" sizes=\"auto, (max-width: 978px) 100vw, 978px\" \/><figcaption>Her skal man oplyse om eventuel g\u00e6ld.<\/figcaption><\/figure>\n\n\n\n<p>P\u00e5 den n\u00e6ste fane skulle jeg oplyse informationer vedr\u00f8rende tilbagebetalingen af det l\u00e5n, jeg var i gang med at ans\u00f8ge om. Jeg kunne her v\u00e6lge betalingsservice som den eneste metode, og jeg fik oplyst, at der ville v\u00e6re et gebyr p\u00e5 15 kr. om m\u00e5neden. Jeg skulle efterf\u00f8lgende indtaste mit kontonummer, som betalingen skulle tr\u00e6kkes fra. Herefter var jeg f\u00e6rdig med de \u00f8konomiske forhold og kunne trykke p\u00e5 Forts\u00e6t for at komme videre.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"976\" height=\"827\" src=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank8.png?cdn=1.1.3\" alt=\"Man skal her tilmelde sig til betalingsservice og indtaste sit kontonummer.\" class=\"wp-image-321\" srcset=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank8.png?cdn=1.1.3 976w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank8-300x254.png?cdn=1.1.3 300w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank8-768x651.png?cdn=1.1.3 768w\" sizes=\"auto, (max-width: 976px) 100vw, 976px\" \/><figcaption>Man skal her tilmelde sig til betalingsservice og indtaste sit kontonummer.<\/figcaption><\/figure>\n\n\n\n<p>Det n\u00e6ste punkt handlede om at afslutte min ans\u00f8gning. Jeg skulle her sige enten ja eller nej tak til at f\u00e5 gode tilbud fra Express Bank, mens jeg ogs\u00e5 igen kunne v\u00e6lge, om jeg \u00f8nskede en L\u00e5ne- og kreditsikring. Jeg fik her at vide, at prisen for en forsikring var p\u00e5 8,5 % af den m\u00e5nedlige ydelse. Herefter kunne jeg f\u00e6rdigg\u00f8re min ans\u00f8gning ved at indsende den.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"813\" height=\"1024\" src=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank9-813x1024.png?cdn=1.1.3\" alt=\"Her kan man igen v\u00e6lge, om man \u00f8nsker at tegne en forsikring mod arbejdsl\u00f8shed eller sygdom.\" class=\"wp-image-322\" srcset=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank9-813x1024.png?cdn=1.1.3 813w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank9-238x300.png?cdn=1.1.3 238w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank9-768x967.png?cdn=1.1.3 768w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank9.png?cdn=1.1.3 968w\" sizes=\"auto, (max-width: 813px) 100vw, 813px\" \/><figcaption>Her kan man igen v\u00e6lge, om man \u00f8nsker at tegne en forsikring mod arbejdsl\u00f8shed eller sygdom.<\/figcaption><\/figure>\n\n\n\n<span id=\"tilbud\" class=\"offset\"><\/span>\n\n\n\n<p class=\"paras-tarjous has-background\" style=\"background-color:#c7e7fb\"><strong>ET L\u00c5NETILBUD HOS EXPRESS BANK KAN EKSEMPELVIS SE S\u00c5DAN HER UD:<\/strong><br>L\u00e5nebel\u00f8b: 80.000 kr.<br>L\u00f8betid: 8 \u00e5r.<br>Debitorrente: 3,55 &#8211; 14,92 %.<br>\u00c5OP: 4,76 &#8211; 16,11 %.<br>Kreditomkostninger: 15.985 &#8211; 57.967 kr.<br>Tilbagebetalingsbel\u00f8b: 95.985 &#8211; 137.967 kr.<br> Der er anvendt de oplysninger, som pr\u00e6senteres i l\u00e5neberegneren. Hos Express Bank er omkostningerne afh\u00e6ngige af en kreditvurdering. Der er derfor et stor sp\u00e6nd i st\u00f8rrelserne. De endelige bel\u00f8b vil fremg\u00e5 af l\u00e5neaftalen.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hvordan er gennemsigtigheden?<\/h3>\n\n\n\n<p>Gennemsigtigheden hos Express Bank er en smule\nanderledes end flere andre steder. Man kan ikke f\u00e5 et konkret eksempel p\u00e5\nprisen p\u00e5 et specifikt l\u00e5n, og der er et meget stort sp\u00e6nd i de priser, der\nopgives for et specifikt l\u00e5n. Man skal ogs\u00e5 v\u00e6re opm\u00e6rksom p\u00e5, at der er\nforskel p\u00e5 de priser, der oplyses i l\u00e5neberegneren, og n\u00e5r selve ans\u00f8gningen\np\u00e5begyndes.<\/p>\n\n\n\n<p>Derfor kan det p\u00e5 forh\u00e5nd ogs\u00e5 v\u00e6re meget\nsv\u00e6rt at gennemskue, hvad prisen for et l\u00e5n bliver p\u00e5. Express Bank oplyser\nf\u00f8rst de endelige priser, n\u00e5r der er foretaget en kreditvurdering. Men\nheldigvis er det ogs\u00e5 helt uforpligtende at ans\u00f8ge. Man m\u00e5 dog ogs\u00e5 v\u00e6re\nopm\u00e6rksom p\u00e5, at der er stiftelsesomkostninger p\u00e5 et l\u00e5n, og for den\nbel\u00f8bsst\u00f8rrelse, jeg ans\u00f8gte om, l\u00e5 de p\u00e5 800 kr. Dette bel\u00f8b ligger dog ikke fast.\nStiftelsesomkostningerne vil udg\u00f8re 10 % af bel\u00f8bsst\u00f8rrelsen for l\u00e5n p\u00e5 76.000\nkr. og derover, mens den for et l\u00e5n p\u00e5 75.000 kr. og derunder vil ligge fast p\u00e5\n1.000 kr. Uanset bel\u00f8bsst\u00f8rrelsen vil der ogs\u00e5 v\u00e6re et betalingsgebyr og et\nadministrationsgebyr p\u00e5 hhv. 15 og 19 kr. De to sidstn\u00e6vnte st\u00f8rrelser er ogs\u00e5\nmed i den estimerede ydelse.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hvordan er den videre ans\u00f8gningsproces?<\/h3>\n\n\n\n<p>N\u00e5r man har sendt en l\u00e5neans\u00f8gning til Express\nBank, vil man inden for f\u00e5 minutter f\u00e5 et svar. Der gik ikke mere end ca. to minutter,\nf\u00f8r jeg blev tilbudt at l\u00e5ne de 80.000 kr. Det kan dog tage op til 15 minutter,\nf\u00f8r et svar ligger klar. Da jeg havde underskrevet l\u00e5neans\u00f8gningen, modtog jeg\npengene dagen efter. Ekspeditionen er derfor forholdsvis hurtig. Dog kan det\ntage helt op til to dage, f\u00f8r man modtager pengene. <\/p>\n\n\n\n<p>Hvis man har en god \u00f8konomi, er der dermed\ngode muligheder for at f\u00e5 et l\u00e5n hos Express Bank. Det tog lidt tid at udfylde\nans\u00f8gningen, da der var mange sp\u00f8rgsm\u00e5l, men det kan godt g\u00f8res p\u00e5 fem\nminutter. N\u00e5r man har f\u00e5et et tilbud om l\u00e5n fra Express Bank, skal man\nunderskrive aftalen med NemID. Derefter er det bare at vente p\u00e5, at pengene\nbliver overf\u00f8rt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Express Bank Samlel\u00e5n<\/h3>\n\n\n\n<p>Hos Express Bank har man mulighed for at samle sine l\u00e5n og kreditter, som man har etableret hos andre l\u00e5neudbydere. L\u00e5nene vil her blive samlet til \u00e9t samlet l\u00e5n. P\u00e5 den m\u00e5de kan man f\u00e5 flere penge til sig selv. Det er muligt at samle l\u00e5n, s\u00e5 det i alt l\u00f8ber op p\u00e5 mellem 75.000-500.000 kr. Hvis man \u00f8nsker at samle sine l\u00e5n hos Express Bank, s\u00f8rger banken for, at det sker. Ved at <a href=\"https:\/\/www.top5credits.com\/dk\/samlelaan\/\">samle sine l\u00e5n<\/a> kan man f\u00e5 et st\u00f8rre r\u00e5dighedsbel\u00f8b hver eneste m\u00e5ned. De penge kan man bruge p\u00e5 alt muligt andet. Samlel\u00e5n f\u00e5s fra 3,49 % i p\u00e5lydende rente. P\u00e5 Express Banks hjemmeside kan man beregne, hvor meget mere man vil f\u00e5 til r\u00e5dighed med et <a href=\"https:\/\/www.top5credits.com\/dk\/samlelaan\/\">samlel\u00e5n<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"485\" src=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank10-1024x485.png?cdn=1.1.3\" alt=\"Her kan man beregne, hvor meget man kan spare ved at samle sine l\u00e5n.\" class=\"wp-image-313\" srcset=\"https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank10-1024x485.png?cdn=1.1.3 1024w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank10-300x142.png?cdn=1.1.3 300w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank10-768x364.png?cdn=1.1.3 768w, https:\/\/cdn.top5credits.com\/dk\/wp-content\/uploads\/sites\/5\/2019\/10\/anmedelse-af-express-bank10.png?cdn=1.1.3 1350w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption>Her kan man beregne, hvor meget man kan spare ved at samle sine l\u00e5n.<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Fordele ved Express Bank<\/h3>\n\n\n\n<p><strong>1.\nHurtig svar p\u00e5 ans\u00f8gning &#8211; og forholdsvis hurtig udbetaling<\/strong><\/p>\n\n\n\n<p>Man f\u00e5r svar p\u00e5 ans\u00f8gningen i l\u00f8bet af f\u00e5\nminutter &#8211; og efter maks. 15 minutter.. Man kan f\u00e5 pengene p\u00e5 sin konto\nallerede dagen efter. Der kan dog g\u00e5 op til to hverdage.<\/p>\n\n\n\n<p><strong>2.\nMulighed for at f\u00e5 en lav rente<\/strong><\/p>\n\n\n\n<p>Man kan f\u00e5 et l\u00e5n med en p\u00e5lydende rente p\u00e5\nhelt ned til 3,49 %. Den laveste debitorrente for et l\u00e5n ligger p\u00e5 3,55 %.\nRenten er dog afh\u00e6ngig af l\u00e5nebel\u00f8b og l\u00f8betid.<\/p>\n\n\n\n<p><strong>3. Man\nkan samle sine eksisterende l\u00e5n<\/strong><\/p>\n\n\n\n<p>Man kan <a href=\"https:\/\/www.top5credits.com\/dk\/samlelaan\/\">samle l\u00e5n<\/a> p\u00e5 helt op til 500.000 kr., som der er stiftet andre steder.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ulemper ved Express Bank<\/h3>\n\n\n\n<p><strong>1.\nMeget h\u00f8j \u00c5OP p\u00e5 nogle l\u00e5n<\/strong><\/p>\n\n\n\n<p>P\u00e5 nogle l\u00e5n er \u00c5OP meget h\u00f8j. P\u00e5 et lille l\u00e5n\nmed en kort l\u00f8betid vil \u00c5OP eksempelvis v\u00e6re p\u00e5 helt op til 43,45 %.<\/p>\n\n\n\n<p><strong>2. Ikke\nstor nok gennemsigtighed p\u00e5 priser<\/strong><\/p>\n\n\n\n<p>Priserne er ikke s\u00e5 gennemsigtige. Der er et\nstort sp\u00e6nd i de bel\u00f8b, der er oplyst.<\/p>\n\n\n\n<p><strong>3. P\u00e5\nans\u00f8gningen er ydelsen og renten anderledes end i l\u00e5neberegneren<\/strong><\/p>\n\n\n\n<p>N\u00e5r man g\u00e5r i gang med ans\u00f8gningen, afviger\nb\u00e5de renter og ydelsen fra det, der oprindeligt blev oplyst i l\u00e5neberegneren.\nDet kan v\u00e6kke forvirring.<\/p>\n\n\n\n<div class=\"wp-block-columns has-2-columns yhteysaspa is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Kundeservice<\/h3>\n\n\n\n<p>kundeservice@expressbankmail.dk<br>7023 5800<\/p>\n\n\n\n<p>\u00c5bningstider:<br>Hverdage: 8 &#8211; 17.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\"><\/h3>\n\n\n\n<p><\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Sp\u00f8rgsm\u00e5l og svar<\/h3>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1589373958089\"><strong class=\"schema-faq-question\">Hvad er l\u00e5nets rente?<\/strong> <p class=\"schema-faq-answer\">L\u00e5nets renter kan v\u00e6re s\u00e5 lave som 3,49%. L\u00e5nerenter afh\u00e6nger af l\u00e5nets st\u00f8rrelse og l\u00f8betid. Se <a href=\"https:\/\/www.top5credits.com\/dk\/anmeldelser\/express-bank\/#tilbud\">her<\/a>, hvilken slags tilbud vi fik fra Express Bank.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1589373973195\"><strong class=\"schema-faq-question\">Kan jeg samle l\u00e5n?<\/strong> <p class=\"schema-faq-answer\">Med Express Bank kan du samle l\u00e5n fra 75.000 kr. op til 500.000 kr. Tilbagebetalingstid kan v\u00e6re fra 2 \u00e5r til 12 \u00e5r.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1589373994982\"><strong class=\"schema-faq-question\">Har Express Bank l\u00e5nesikring?<\/strong> <p class=\"schema-faq-answer\">Ja. Express Bank har en l\u00e5ne- og kreditsikring. Forsikringen d\u00e6kker nemlig renter og afdrag p\u00e5 dit l\u00e5n, hvis du bliver arbejdsl\u00f8s, mister arbejdsevnen eller g\u00e5r bort.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1589374008372\"><strong class=\"schema-faq-question\">Kan jeg have en betalingsfri m\u00e5ned?<\/strong> <p class=\"schema-faq-answer\">I nogle tilf\u00e6lde kan kunder have en betalingsfri m\u00e5ned. Betalingsfri m\u00e5ned koster 150 kr. Hvis du \u00f8nsker en betalingsfri m\u00e5ned, skal du kontakte Express Bank.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1589374027097\"><strong class=\"schema-faq-question\">Hvor hurtigt kan jeg f\u00e5 l\u00e5n?<\/strong> <p class=\"schema-faq-answer\">Man f\u00e5r svar p\u00e5 ans\u00f8gningen i l\u00f8bet af f\u00e5 minutter. Du kan f\u00e5 penge p\u00e5 din konto dag efter underskrivelsen af l\u00e5neaftalen.<\/p> <\/div> <\/div>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Express Bank er en erfaren bank med mere end 30 \u00e5r p\u00e5 bagen. Det er muligt at l\u00e5ne op til 300.000 kr. Man kan l\u00e5ne<\/p>\n<p class=\"more-link\">L\u00e6s mere <span class=\"screen-reader-text\">Express 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-312","post","type-post","status-publish","format-standard","hentry","category-anmeldelser","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Express Bank l\u00e5n - L\u00e6s anmeldelse - Top5Credits<\/title>\n<meta name=\"description\" content=\"Vi testede Express Bank - l\u00e6s om vores erfaringer og \u00e6rlige anmeldelse. 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Forsikringen d\u00e6kker nemlig renter og afdrag p\u00e5 dit l\u00e5n, hvis du bliver arbejdsl\u00f8s, mister arbejdsevnen eller g\u00e5r bort.","inLanguage":"da-DK"},"inLanguage":"da-DK"},{"@type":"Question","@id":"https:\/\/www.top5credits.com\/dk\/anmeldelser\/express-bank\/#faq-question-1589374008372","position":4,"url":"https:\/\/www.top5credits.com\/dk\/anmeldelser\/express-bank\/#faq-question-1589374008372","name":"Kan jeg have en betalingsfri m\u00e5ned?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"I nogle tilf\u00e6lde kan kunder have en betalingsfri m\u00e5ned. Betalingsfri m\u00e5ned koster 150 kr. 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Du kan f\u00e5 penge p\u00e5 din konto dag efter underskrivelsen af l\u00e5neaftalen.","inLanguage":"da-DK"},"inLanguage":"da-DK"}]}},"_links":{"self":[{"href":"https:\/\/www.top5credits.com\/dk\/wp-json\/wp\/v2\/posts\/312","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.top5credits.com\/dk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.top5credits.com\/dk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.top5credits.com\/dk\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/www.top5credits.com\/dk\/wp-json\/wp\/v2\/comments?post=312"}],"version-history":[{"count":0,"href":"https:\/\/www.top5credits.com\/dk\/wp-json\/wp\/v2\/posts\/312\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.top5credits.com\/dk\/wp-json\/wp\/v2\/media?parent=312"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.top5credits.com\/dk\/wp-json\/wp\/v2\/categories?post=312"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.top5credits.com\/dk\/wp-json\/wp\/v2\/tags?post=312"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}