{"id":635,"date":"2019-10-14T07:16:43","date_gmt":"2019-10-14T07:16:43","guid":{"rendered":"https:\/\/www.top5credits.com\/dk\/?p=635"},"modified":"2024-02-08T15:23:44","modified_gmt":"2024-02-08T15:23:44","slug":"folkelaanet","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/dk\/anmeldelser\/folkelaanet\/","title":{"rendered":"Folkel\u00e5net"},"content":{"rendered":"\n

Hos Folkel\u00e5net kan man l\u00e5ne op til 50.000 kr.<\/a>, og man kan f\u00e5 l\u00e5net udbetalt med det samme. Man skal v\u00e6re 21 \u00e5r for at l\u00e5ne penge<\/a>. Et l\u00e5n l\u00f8ber altid i 12 m\u00e5neder, men det kan ogs\u00e5 betales tilbage f\u00f8r denne tid. Man skal ikke stille sikkerhed for et l\u00e5n. Folkel\u00e5net er 100 % danskejet og er et brand under Finans 247.<\/p>\n\n\n\n\n\n\n\n\n\n

\n

Anmeldelse af Folkel\u00e5net 10\/2019<\/h2>\n\n\n\n

P\u00e5 forsiden af Folkel\u00e5nets hjemmeside v\u00e6lger man som det f\u00f8rste l\u00e5nebel\u00f8bet. Man skal her v\u00e6lge et bel\u00f8b p\u00e5 mellem 10.000 og 50.000 kr.<\/a> Jeg valgte at ans\u00f8ge om et l\u00e5n p\u00e5 20.000 kr.<\/a> Da jeg havde valgt dette bel\u00f8b, fik jeg under l\u00e5neberegneren relevante oplysninger for det p\u00e5g\u00e6ldende l\u00e5n. Jeg kunne se, at den faste debitorrente for l\u00e5net ville v\u00e6re p\u00e5 90 %, mens \u00c5OP ville v\u00e6re p\u00e5 213,48 %. Jeg fik ogs\u00e5 oplyst den m\u00e5nedlige ydelse til at v\u00e6re p\u00e5 2.933,75 kr. Jeg fik desuden ogs\u00e5 oplyst de samlede l\u00e5neomkostninger og det samlede tilbagebetalingsbel\u00f8b. Jeg kunne med sm\u00e5t l\u00e6se, at den oplyste ydelse blev beregnet ud fra en gennemsnitsberegning af en periode p\u00e5 12 m\u00e5neder. Jeg kunne ogs\u00e5 l\u00e6se, at der for dette l\u00e5n ville v\u00e6re et oprettelsesgebyr p\u00e5 2.500 kr., mens der ogs\u00e5 ville v\u00e6re et administrationsgebyr p\u00e5 25 kr. pr. m\u00e5ned. Jeg klikkede p\u00e5 Ans\u00f8g nu for at s\u00f8ge om kreditten.<\/p>\n\n\n\n

\"Anmeldelse
Man skal her v\u00e6lge l\u00e5nebel\u00f8b og klikke p\u00e5 Ans\u00f8g nu.<\/figcaption><\/figure>\n\n\n\n

I det n\u00e6ste sk\u00e6rmbillede, skulle jeg i gang med ans\u00f8gningen til Folkel\u00e5net. Den f\u00f8rste side omhandlede mine personlige oplysninger. Jeg udfyldte de tre f\u00f8rste rubrikker med CPR-nummer, telefonnummer og e-mail. Herefter valgte jeg min civilstand i dropdown-menuen. Ude til h\u00f8jre kunne jeg se, at den 1. betalingsdato for l\u00e5net ville blive den sidste hverdag i indev\u00e6rende m\u00e5ned.<\/p>\n\n\n\n

\"Anmeldelse
Man skal her i gang med at udfylde ans\u00f8gningen.<\/figcaption><\/figure>\n\n\n\n

Da jeg havde scrollet ned p\u00e5 siden, skulle jeg i den f\u00f8rste rubrik v\u00e6lge antal b\u00f8rn. Herefter skulle jeg udv\u00e6lge min boligform. Som det n\u00e6ste skulle jeg acceptere betingelser og l\u00e5nevilk\u00e5r hos Folkel\u00e5net, og der var desuden p\u00e5 forh\u00e5nd sat flueben ved, at jeg gav samtykke til, at Finans 247 m\u00e5 kontakte mig via telefon og e-mail, blandt andet med informationer omkring mit l\u00e5n. Herefter klikkede jeg p\u00e5 knappen Videre.<\/p>\n\n\n\n

\"Anmeldelse
Man skal her acceptere betingelser og l\u00e5nevilk\u00e5r, og man skal give samtykke.<\/figcaption><\/figure>\n\n\n\n

I det n\u00e6ste sk\u00e6rmbillede, skulle jeg udv\u00e6lge min bank samt skrive mit registrerings- og kontonummer. Jeg skulle herefter give tilladelse til eSkat, s\u00e5 Folkel\u00e5net kunne f\u00e5 mulighed for at indhente oplysninger vedr\u00f8rende min \u00f8konomi. Slutteligt blev l\u00e5neans\u00f8gningen sendt ind.<\/p>\n\n\n\n<\/span>\n\n\n\n

ET L\u00c5NETILBUD HOS FOLKEL\u00c5NET KAN EKSEMPELVIS SE S\u00c5DAN HER UD:<\/strong>
L\u00e5nebel\u00f8b: 25.000 kr.
L\u00f8betid: 12 m\u00e5neder.
Debitorrente: 90 %.
\u00c5OP: 212,29 %.
Kreditomkostninger: 18.931,27 kr.
Tilbagebetalingsbel\u00f8b: 43.931,27 kr.
Beregningen er vejledende. Den m\u00e5nedlige ydelse kan variere alt efter, hvor mange dage der er i indev\u00e6rende m\u00e5ned.<\/p>\n\n\n\n

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

Hos Folkel\u00e5net er der en meget fin gennemsigtighed omkring l\u00e5n. Det er nemt at bruge l\u00e5neberegneren<\/a>, og den giver et klart billede af, hvad det vil komme til at koste at l\u00e5ne penge hos Folkel\u00e5net. Hos denne l\u00e5neudbyder er der et oprettelsesgebyr p\u00e5 12,5 % af l\u00e5nebel\u00f8bet eller minimum 1.000 kr., og det betyder, at man kan komme til at koste op til 3.125 kr. at stifte et l\u00e5n. Hos Folkel\u00e5net vil debitorrenten ligge p\u00e5 90 %, mens \u00c5OP p\u00e5 et l\u00e5n vil v\u00e6re p\u00e5 mellem 212,29 og 408,75 %.<\/p>\n\n\n\n

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

Det tager ikke mange minutter at udfylde en\nans\u00f8gning hos Folkel\u00e5net, og for mig tog det blot 3 minutter at f\u00e5 udfyldt det\nhele. Det var nemt, og da man skulle give tilladelse til eSkat, skulle der\nheller ikke indsendes nogen former for dokumentation. Jeg fik straks svar p\u00e5\nans\u00f8gningen, og Folkel\u00e5net tilb\u00f8d mig at l\u00e5ne de \u00f8nskede 25.000 kr. Renten var\nogs\u00e5, som jeg havde forventet. Jeg underskrev l\u00e5neaftalen, og efter f\u00e5 minutter\nfik jeg pengene p\u00e5 min NemKonto. Alt i alt gik der alts\u00e5 meget kort tid med at\nans\u00f8ge om l\u00e5net og at modtage pengene.<\/p>\n\n\n\n

Det gik alts\u00e5 meget nemt med at l\u00e5ne penge hos\ndenne l\u00e5neudbyder. Jeg har en god og stabil \u00f8konomi, og det tyder derfor p\u00e5, at\ndet er muligt for alle, der st\u00e5r i en tilsvarende situation. <\/p>\n\n\n\n

Fordele ved Folkel\u00e5net<\/h3>\n\n\n\n

1.\nMeget hurtig udbetaling af l\u00e5n<\/strong><\/p>\n\n\n\n

Hos Folkel\u00e5net f\u00e5r man et l\u00e5n udbetale i l\u00f8bet\naf ganske f\u00e5 minutter.<\/p>\n\n\n\n

2. Et\nl\u00e5n kan tilbagebetales f\u00f8r tid<\/strong><\/p>\n\n\n\n

Hos Folkel\u00e5net kan man altid indfri et l\u00e5n f\u00f8r\ntid.<\/p>\n\n\n\n

Ulemper ved Folkel\u00e5net<\/h3>\n\n\n\n

1.\nMeget h\u00f8j \u00c5OP<\/strong><\/p>\n\n\n\n

\u00c5OP p\u00e5 et l\u00e5n hos Folkel\u00e5net ligger p\u00e5 mellem\n212,29 og 408,75 %.<\/p>\n\n\n\n

2. H\u00f8je\nstiftelsesomkostninger<\/strong><\/p>\n\n\n\n

Hos Folkel\u00e5net er der meget h\u00f8je\nstiftelsesomkostninger p\u00e5 et l\u00e5n. Dette bel\u00f8b ligger nemlig p\u00e5 12,5 % af\nl\u00e5nebel\u00f8bet eller minimum 1.000 kr.<\/p>\n\n\n\n

3. Alle\nl\u00e5n har en l\u00f8betid p\u00e5 12 m\u00e5neder<\/strong><\/p>\n\n\n\n

Man kan ikke selv v\u00e6lge l\u00f8betiden p\u00e5 et l\u00e5n.\nEt l\u00e5n kan kun tilbagebetales i l\u00f8bet af 12 m\u00e5neder. Man kan dog godt v\u00e6lge at\nindfri l\u00e5net f\u00f8r tid.<\/p>\n\n\n\n

\n
\n

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

kontakt@folkelaanet.dk
7050 5010<\/p>\n\n\n\n

\u00c5bningstider:
Hverdage: 9 – 17.<\/p>\n<\/div>\n\n\n\n

\n

<\/h3>\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 lang tid g\u00e5r der f\u00f8r, jeg har pengene p\u00e5 min konto?<\/strong>

Pengene er udbetalt til din NemKonto inden for 1-2 bankdage<\/p> <\/div>

Hvor meget kan jeg l\u00e5ne?<\/strong>

Folkel\u00e5net vurdereralle kunder individuelt. Folkel\u00e5net tilbyder l\u00e5n mellem 10.000 – 50.000 Kr.<\/p> <\/div>

Er det dyrt at f\u00e5 et l\u00e5n fra Folkel\u00e5net?<\/strong>

Folkel\u00e5net har h\u00f8jere rente end gennemsnitte i vores sammenligning. Se, hvilken slags l\u00e5netilbud vi fik fra Folkel\u00e5net her<\/a>.<\/p> <\/div>

Hvad er fodelene ved Folkel\u00e5net?<\/strong>

Hos Folkel\u00e5net f\u00e5r man et l\u00e5n udbetale i l\u00f8bet af ganske f\u00e5 minutter og et l\u00e5n kan tilbagebetales f\u00f8r tid.<\/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 Folkel\u00e5net kan man l\u00e5ne op til 50.000 kr., og man kan f\u00e5 l\u00e5net udbetalt med det samme. Man skal v\u00e6re 21 \u00e5r for at<\/p>\n

L\u00e6s mere Folkel\u00e5net<\/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-635","post","type-post","status-publish","format-standard","hentry","category-anmeldelser","entry"],"yoast_head":"\nFolkel\u00e5net l\u00e5n - L\u00e6s anmeldelse - Top5Credits<\/title>\n<meta name=\"description\" content=\"Vi testede Folkel\u00e5net - l\u00e6s om vores erfaringer og \u00e6rlige anmeldelse. 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