{"id":2984,"date":"2020-09-29T12:00:00","date_gmt":"2020-09-29T12:00:00","guid":{"rendered":"https:\/\/www.top5credits.com\/se\/?p=2984"},"modified":"2022-05-19T08:37:31","modified_gmt":"2022-05-19T08:37:31","slug":"effektiv-ranta","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/se\/ordlista\/effektiv-ranta\/","title":{"rendered":"Effektiv r\u00e4nta"},"content":{"rendered":"\n

N\u00e4r du ska ans\u00f6ka om ett l\u00e5n kanske du st\u00f6ter p\u00e5 begrepp som effektiv r\u00e4nta och nominell r\u00e4nta. Den effektiva r\u00e4ntan ska du alltid leta efter d\u00e5 den inkluderar alla avgifter f\u00f6r l\u00e5net s\u00e5 att du f\u00e5r en korrekt bild \u00f6ver vad det egentligen kommer att kosta dig<\/strong>. M\u00e5nga banker lyfter hellre fram den nominella r\u00e4ntan, vilket g\u00f6r att du bara ser sj\u00e4lva r\u00e4ntekostnaden i sig – utan alla extra avgifter som ocks\u00e5 ing\u00e5r. L\u00e4s vidare f\u00f6r att l\u00e4ra dig om effektiv r\u00e4nta och vad den inneb\u00e4r f\u00f6r dig n\u00e4r du ska ans\u00f6ka om l\u00e5n<\/a>!<\/p>\n\n\n\n

Vad \u00e4r effektiv r\u00e4nta?<\/h2>\n\n\n\n

Effektiv r\u00e4nta \u00e4r den r\u00e4nta d\u00e4r alla avgifter som l\u00e5net inneb\u00e4r ocks\u00e5 r\u00e4knas in i procentsatsen. Du betalar n\u00e4mligen f\u00f6r det mesta b\u00e5de uppl\u00e4ggningsavgift och aviavgift n\u00e4r du blivit beviljad ett l\u00e5n – och ibland \u00e4ven andra avgifter s\u00e5som en \u00e5rsavgift p\u00e5 ett kreditkort till exempel. Om du ska kunna g\u00f6ra en korrekt utr\u00e4kning av hur mycket ditt eventuell l\u00e5n eller kredit kommer att kosta dig totalt sett s\u00e5 m\u00e5ste du inkludera \u00e4ven dessa bitar – annars kan du f\u00e5 en v\u00e4ldigt felaktig bild \u00f6ver kostnaden f\u00f6r l\u00e5net.<\/p>\n\n\n\n

Den effektiva r\u00e4ntan \u00e4r n\u00e5got som bankerna enligt lag m\u00e5ste redovisa p\u00e5 hemsidan<\/strong> i anslutning till l\u00e5neans\u00f6kan. Men det betyder inte att de skyltar med informationen precis, snarare tv\u00e4rtom. Informationen st\u00e5r oftast i det finstilta och kan vara ganska sv\u00e5r att hitta i vissa fall. <\/p>\n\n\n\n

Den nominella r\u00e4ntan \u00e4r oftast betydligt enklare att hitta p\u00e5 bankens hemsida och den syftar d\u00e5 bara p\u00e5 sj\u00e4lva r\u00e4ntan som banken tar f\u00f6r l\u00e5net – inte alla andra avgifter. D\u00e4rf\u00f6r \u00e4r alltid den effektiva r\u00e4ntan lite eller mycket h\u00f6gre \u00e4n den nominella eftersom man r\u00e4knar in b\u00e5de r\u00e4ntan och alla avgifter. B\u00e5da dessa r\u00e4ntor ska anges i procentform per \u00e5r.<\/p>\n\n\n\n

Varf\u00f6r anv\u00e4nds termen effektiv r\u00e4nta?<\/h2>\n\n\n\n

Denna term \u00e4r n\u00e5got som bankerna nog helst skulle vilja slippa att redovisa i anslutning till sina l\u00e5neans\u00f6kningar. Detta eftersom kostnaden kan \u00f6ka ganska drastiskt n\u00e4r denna r\u00e4nta appliceras p\u00e5 l\u00e5net. Ingen bank vill skylta med sina uppl\u00e4ggningsavgifter<\/strong> och eventuella aviavgifter. Om banken d\u00e4remot inte har n\u00e5gon uppl\u00e4ggningsavgift s\u00e5 brukar de marknadsf\u00f6ra detta ganska h\u00e5rt.<\/p>\n\n\n\n

Den effektiva r\u00e4ntan finns till f\u00f6r konsumenternas skull fr\u00e4mst f\u00f6r att du ska kunna r\u00e4kna p\u00e5 ditt l\u00e5n p\u00e5 r\u00e4tt s\u00e4tt. Det kan finnas anledning att endast vilja ha informationen om den nominella r\u00e4ntan i vissa sammanhang men oftast vill du veta den totala kostnaden. Kanske du bara kan ta emot fakturan via post och aviavgiften ligger p\u00e5 50 kronor eller mer – bara det blir 600 kronor per \u00e5r. En uppl\u00e4ggningsavgift f\u00f6r ett l\u00e5n kan ligga p\u00e5 allt mellan 300-700 kronor och \u00e4r bara en eng\u00e5ngsavgift. En \u00e5rsavgift p\u00e5 ett kreditkort kan ligga p\u00e5 allt mellan 150 kronor upp till 1 000 kronor beroende p\u00e5 typ av kredit.  <\/p>\n\n\n\n

Vilka l\u00e5n har h\u00f6gst respektive l\u00e4gst effektiv r\u00e4nta?<\/h2>\n\n\n\n

En form av l\u00e5n som varit p\u00e5 tapeten mycket de senaste \u00e5ren \u00e4r de ofta v\u00e4ldigt dyra SMS-l\u00e5nen<\/a> eller snabbl\u00e5nen<\/a><\/strong> som det ocks\u00e5 kallas ibland. H\u00e4r kan du i v\u00e4rsta fall ha en effektiv r\u00e4nta p\u00e5 flera hundra eller tusen procent p\u00e5 grund av olika avgifter och en h\u00f6g r\u00e4nta i grunden. <\/p>\n\n\n\n

Dock finns det lagar i Sverige som s\u00e4ger att en bank inte f\u00e5r s\u00e4tta en h\u00f6gre effektiv r\u00e4nta \u00e4n p\u00e5 max 40% av referensr\u00e4ntan p\u00e5 en s\u00e5 kallad h\u00f6gkostnadskredit. Den totala kostnaden f\u00f6r ett s\u00e5dant l\u00e5n f\u00e5r max best\u00e5r av l\u00e5nebeloppet g\u00e5nger tv\u00e5. L\u00e5nar du 500 kronor f\u00e5r det allts\u00e5 inte kosta dig mer \u00e4n 1 000 kronor totalt.<\/p>\n\n\n\n

Vid en h\u00f6gkostnadskredit \u00e4r den effektiva r\u00e4ntan minst 30% h\u00f6gre<\/strong> \u00e4n referensr\u00e4ntan och d\u00e4rf\u00f6r ska du alltid t\u00e4nka \u00f6ver extra noga om du verkligen beh\u00f6ver det d\u00e4r snabbl\u00e5net<\/a> eller om du kan l\u00f6sa det p\u00e5 annat s\u00e4tt.<\/p>\n\n\n\n

Ett bol\u00e5n tillh\u00f6r de l\u00e5n som kanske inte har s\u00e5 h\u00f6g r\u00e4nta i sig, men som inneb\u00e4r en hel del andra kostnader man inte alltid t\u00e4nker p\u00e5 s\u00e5som avgift f\u00f6r lagfart, pantbrev och liknande. Dock \u00e4r detta \u00e4r kostnader som dyker upp n\u00e4r ditt bol\u00e5n \u00e4r tecknat och huset k\u00f6pt och som inte bara g\u00e5r till banken utan exempelvis till Lantm\u00e4teriet. <\/p>\n\n\n\n

L\u00e4gst effektiv r\u00e4nta hittar du vanligen p\u00e5 s\u00e5 kallade medlemsl\u00e5n <\/a>som \u00e4r v\u00e4ldigt f\u00f6rm\u00e5nliga l\u00e5neerbjudanden fr\u00e5n banken som du kan f\u00e5 fatt i om du \u00e4r medlem i facket till exempel. Det finns ocks\u00e5 andra bra privatl\u00e5n<\/a> utan s\u00e4kerhet som ligger ganska l\u00e5gt p\u00e5 den effektiva r\u00e4ntan.<\/p>\n\n\n\n

Hur du har anv\u00e4ndning av den effektiva r\u00e4ntan<\/h2>\n\n\n\n

Du har som allra st\u00f6rst anv\u00e4ndning av den effektiva r\u00e4ntan n\u00e4r du \u00e4r i farten med att j\u00e4mf\u00f6ra olika bankers l\u00e5neerbjudanden eller krediter. N\u00e4r du letar bland de olika erbjudandena online ska du alltid g\u00e5 efter denna r\u00e4nta. P\u00e5 s\u00e5 s\u00e4tt kommer du f\u00e5 en tydlig bild \u00f6ver vilket l\u00e5neerbjudande som kommer att kosta dig mest pengar i slut\u00e4ndan. <\/p>\n\n\n\n

Andra tillf\u00e4llen d\u00e5 den effektiva r\u00e4ntan kommer till anv\u00e4ndning \u00e4r exempelvis i din deklaration d\u00e4r det g\u00f6rs avdrag f\u00f6r alla dina r\u00e4ntekostnader per \u00e5r<\/strong>. Detta f\u00f6rs in per automatik i din deklaration och leder ibland till att du f\u00e5r tillbaka en del pengar p\u00e5 skatte\u00e5terb\u00e4ringen.<\/p>\n\n\n\n

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

K\u00e4llor<\/h4>\n\n\n\n
  1. https:\/\/www.konsumenternas.se\/lana\/olika-lan\/om-konsumtionslan\/sa-fungerar-ett-lan\/ranta-och-avgifter<\/a><\/li><\/ol>\n","protected":false},"excerpt":{"rendered":"

    Den effektiva r\u00e4ntan ska du alltid leta efter d\u00e5 den inkluderar alla avgifter f\u00f6r l\u00e5net s\u00e5 att du f\u00e5r en korrekt bild \u00f6ver vad det egentligen kommer att kosta dig.<\/p>\n","protected":false},"author":16,"featured_media":2989,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-glossary.php","format":"standard","meta":{"footnotes":""},"categories":[100],"tags":[],"class_list":["post-2984","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ordlista","entry"],"yoast_head":"\nEffektiv r\u00e4nta - Vad betyder det? - Top5Credits<\/title>\n<meta name=\"description\" content=\"N\u00e4r du ska ans\u00f6ka om ett l\u00e5n kanske du st\u00f6ter p\u00e5 begrepp effektiv r\u00e4nta. 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