{"id":4681,"date":"2020-08-12T12:30:48","date_gmt":"2020-08-12T09:30:48","guid":{"rendered":"https:\/\/www.top5credits.com\/fi\/?p=4681"},"modified":"2022-12-19T11:23:59","modified_gmt":"2022-12-19T09:23:59","slug":"lainan-jarjestelypalkkio","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/fi\/lainasanasto\/lainan-jarjestelypalkkio\/","title":{"rendered":"Lainan j\u00e4rjestelypalkkio"},"content":{"rendered":"\n

Mik\u00e4 on j\u00e4rjestelypalkkio?<\/h2>\n\n\n\n

Yleens\u00e4 j\u00e4rjestelypalkkio maksetaan kuitenkin kertaluontoisena maksuna lainan avauksen yhteydess\u00e4.<\/p>\n\n\n\n

Lainaajan ei kannata h\u00e4m\u00e4\u00e4nty\u00e4 siit\u00e4, jos lainan j\u00e4rjestelypalkkio on todella edullinen tai jopa ilmainen. T\u00e4llaisissa tapauksissa kannattaa tarkastella lainan todellista vuosikorkoa<\/a>, koska mik\u00e4\u00e4n laina ei ole ilmaista. <\/p>\n\n\n\n

Jotkin lainantarjoajat voivat markkinoida lainaa edullisella avausmaksulla<\/a>, mutta todellisuudessa lainan avausmaksun lis\u00e4ksi tulevat esimerkiksi toimitusmaksu ja muita kertaluonteisia maksuja. Toiset lainantarjoajat taas mainostavat lainaa siten, ett\u00e4 se on pieni- tai nollakorkoista. T\u00e4llaisissa tapauksissa lainan j\u00e4rjestelypalkkiot voivat olla suuria.<\/p>\n\n\n\n

Lainoja kannattaa aina vertailla todellisella vuosikorolla<\/strong>. T\u00e4ll\u00f6in lainan kaikki kulut on huomioitu, mik\u00e4 antaa lainaajalle selke\u00e4mm\u00e4n kuvan lainan kokonaiskustannuksista.<\/p>\n\n\n\n\n\n

Esimerkkej\u00e4 lainakuluista<\/h2>\n\n\n\n
\"Lainan
Esimerkit on otettu Top5Credits.com verkkosivulta<\/figcaption><\/figure>\n\n\n\n

Kuten esimerkeist\u00e4 voi n\u00e4hd\u00e4, j\u00e4rjestelypalkkiolla ja muilla lainakuluilla voi olla koron ohella suuri merkitys lainan lopulliseen hintaan. T\u00e4m\u00e4n takia on todella t\u00e4rke\u00e4\u00e4 verrata lainoja todellisella vuosikorolla. Yll\u00e4 olevat esimerkit on laskettu Top5Credits.com sivuston tarjoamaa lainalaskuria<\/a> hy\u00f6dynt\u00e4en. <\/p>\n\n\n\n

Vertaile lainat t\u00e4st\u00e4<\/a><\/div>\n\n\n\n

L\u00e4hteet<\/h4>\n\n\n\n

https:\/\/www.vero.fi\/henkiloasiakkaat\/omaisuus\/velat_ja_korot\/korko_tuloverotuksess\/<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

J\u00e4rjestelypalkkio on kerran tai osissa maksettava palkkio lainaajalle. J\u00e4rjestelypalkkio voidaan peri\u00e4 esimerkiksi lainan avauksen tai my\u00f6nt\u00e4misen yhteydess\u00e4. J\u00e4rjestelypalkkiota kutsutaan my\u00f6s nimill\u00e4 avauspalkkio, avausmaksu, toimitusmaksu jne.<\/p>\n","protected":false},"author":21,"featured_media":4689,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-glossary.php","format":"standard","meta":{"footnotes":""},"categories":[115],"tags":[],"class_list":["post-4681","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lainasanasto","entry"],"yoast_head":"\nLainan j\u00e4rjestelypalkkio - Mit\u00e4 vaikutuksia sill\u00e4 on lainan hintaan?<\/title>\n<meta name=\"description\" content=\"Kerromme, miten l\u00f6yd\u00e4t itsellesi mahdollisimman edullista lainaa, ja miten voit s\u00e4\u00e4st\u00e4\u00e4 lainan j\u00e4rjestelypalkkioissa ja muissa kuluissa.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.top5credits.com\/fi\/lainasanasto\/lainan-jarjestelypalkkio\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lainan j\u00e4rjestelypalkkio - 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