{"id":3421,"date":"2020-11-30T09:35:18","date_gmt":"2020-11-30T09:35:18","guid":{"rendered":"https:\/\/www.top5credits.com\/se\/?p=3421"},"modified":"2022-05-19T08:38:56","modified_gmt":"2022-05-19T08:38:56","slug":"hogkostnadskredit","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/se\/ordlista\/hogkostnadskredit\/","title":{"rendered":"H\u00f6gkostnadskredit"},"content":{"rendered":"\n<p>Om du letar efter ett snabbt l\u00e5n online kan det h\u00e4nda att du st\u00f6ter p\u00e5 en s\u00e5 kallad <em>h\u00f6gkostnadskredit. <\/em><strong>Det \u00e4r en form av kredit d\u00e4r banken tar \u00f6ver 30% i effektiv r\u00e4nta f\u00f6r att l\u00e5na ut pengarna<\/strong>. Det kan r\u00f6ra sig ofta om v\u00e4ldigt dyra l\u00e5n, som dock kan vara n\u00f6dv\u00e4ndiga i vissa situationer d\u00e4r vanliga l\u00e5n inte fungerar som en l\u00f6sning av en eller annan anledning. Men hur ser egentligen regleringarna ut f\u00f6r en h\u00f6gkostnadskredit och hur h\u00f6ga kostnader kan du r\u00e4kna med att f\u00e5? L\u00e4s vidare f\u00f6r att l\u00e4ra dig allt du beh\u00f6ver veta.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Vad \u00e4r en h\u00f6gkostnadskredit?<\/h2>\n\n\n\n<p>En h\u00f6gkostnadskredit \u00e4r en kredit d\u00e4r banken tar referensr\u00e4ntan p\u00e5 30% i effektiv r\u00e4nta plus 30 procentenheter till f\u00f6r att l\u00e5na ut pengar till dig. Det \u00e4r med andra ord ett dyrt l\u00e5n som inte \u00e4r att prioritera om andra l\u00f6sningar finns. En vanlig snittr\u00e4nta f\u00f6r ett <a href=\"https:\/\/www.top5credits.com\/se\/privatlan\/\">privatl\u00e5n<\/a> brukar ligga n\u00e5gonstans mellan 3-10% och d\u00e4rf\u00f6r kan man f\u00f6rst\u00e5 att det blir betydligt dyrare med en r\u00e4nta p\u00e5 30% plus ytterligare kostnader i form av avgifter och liknande.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Regleringar av h\u00f6gkostnadskrediter<\/h2>\n\n\n\n<p>Under hela 2000-talet har vi sett en boom av olika kredittj\u00e4nstf\u00f6retag och <a href=\"https:\/\/www.top5credits.com\/se\/recensionerna\/\">l\u00e5ngivare<\/a> p\u00e5 den svenska l\u00e5nemarknaden. Alla vill de erbjuda <a href=\"https:\/\/www.top5credits.com\/se\/snabblan\/\">snabba l\u00e5n online<\/a> eller via <a href=\"https:\/\/www.top5credits.com\/se\/sms-lan\/\">sms<\/a>. Ibland kunde kostnaderna f\u00f6r ett s\u00e5dant l\u00e5n stiga i taket, vilket satte m\u00e5nga svenskar i problem n\u00e4r de hamnade i en ond spiral av nya dyra l\u00e5n f\u00f6r att betala f\u00f6r de gamla. Det var heller inte speciellt sv\u00e5rt att f\u00e5 en s\u00e5dan dyr kredit beviljad, vilket bara \u00f6kade p\u00e5 problemen.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/www.konsumentverket.se\/for-foretag\/regler-per-omradebransch\/finansiella-tjanster\/krediter\/hogkostnadskrediter\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2018 inf\u00f6rdes d\u00e4rf\u00f6r en ny reglering<\/a> f\u00f6r dessa krediter som bland annat inneb\u00e4r att den effektiva r\u00e4ntan<strong> inte f\u00e5r \u00f6verstiga Riksbankens referensr\u00e4nta plus 30 procentenheter till<\/strong>. I praktiken kan man s\u00e4ga att kostnaden f\u00f6r ett <a href=\"https:\/\/www.top5credits.com\/se\/lana-pengar\/\">l\u00e5n<\/a> totalt sett inte f\u00e5r \u00f6verstiga sj\u00e4lva l\u00e5nebeloppet sj\u00e4lvt.<\/p>\n\n\n\n<p><strong><em>Exempel:<\/em><\/strong><em> Lisa ans\u00f6ker om en h\u00f6gkostnadskredit p\u00e5 10 000 kr. Kostnaderna f\u00f6r l\u00e5net inklusive r\u00e4nta och avgifter uppg\u00e5r som mest till 10 000 kr. Det totala beloppet inklusive l\u00e5nebelopp, r\u00e4nta och avgifter blir d\u00e5 20 000 kr och f\u00e5r aldrig bli dyrare \u00e4n s\u00e5<\/em>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Marknadsf\u00f6ring<\/h3>\n\n\n\n<p>L\u00e5ngivare som arbetar med h\u00f6gkostnadskrediter f\u00e5r inte marknadsf\u00f6ra sina tj\u00e4nster hur som helst. Det \u00e4r m\u00e5tta som g\u00e4ller och det m\u00e5ste alltid <strong>framg\u00e5 tydligt att l\u00e5net \u00e4r just en h\u00f6gkostnadskredit<\/strong>. Man f\u00e5r inte vilseleda kunden helt enkelt.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">F\u00f6rl\u00e4nga en h\u00f6gkostnadskredit<\/h3>\n\n\n\n<p>Du kan i vissa fall f\u00e5 m\u00f6jligheten att f\u00f6rl\u00e4nga l\u00f6ptiden p\u00e5 din kredit, om du har sv\u00e5righeter att betala. Men detta f\u00e5r endast ske <em>en <\/em>g\u00e5ng. Det finns dock undantag d\u00e4r du kan f\u00e5 f\u00f6rl\u00e4nga flera g\u00e5nger, men d\u00e5 ska det inte kosta kunden n\u00e5got extra och hen ska ha en rimlig betalningsplan uppr\u00e4ttad.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Viktigt att t\u00e4nka p\u00e5 med h\u00f6gkostnadskrediter<\/h2>\n\n\n\n<p>L\u00e5ngivare som erbjuder sina kunder h\u00f6gkostnadskrediter \u00e4r ofta v\u00e4ldigt medvetna om att du s\u00f6ker dig till den sortens l\u00e5n av en anledning och att det kan vara lockande med snabba pengar. Du ska dock vara medveten om att den h\u00e4r sortens krediter kan st\u00e4lla till det f\u00f6r dig ekonomisk p\u00e5 grund av de v\u00e4ldigt h\u00f6ga kostnaderna. <strong>Fundera alltid ett extra varv<\/strong> p\u00e5 om det \u00e4r v\u00e4rt att betala s\u00e5 mycket extra f\u00f6r ett l\u00e5n som snabbt \u00e4r f\u00f6rbrukat. Du vill inte hamna i en d\u00e5lig spiral som du inte kan ta dig ur med l\u00e5n p\u00e5 l\u00e5n, eftersom du inte kunde betala det f\u00f6rsta.&nbsp;<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\">K\u00e4llor<\/h4>\n\n\n\n<ol class=\"wp-block-list\"><li><a href=\"https:\/\/www.konsumentverket.se\/for-foretag\/regler-per-omradebransch\/finansiella-tjanster\/krediter\/hogkostnadskrediter\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">https:\/\/www.konsumentverket.se\/for-foretag\/regler-per-omradebransch\/finansiella-tjanster\/krediter\/hogkostnadskrediter\/<\/a><\/li><\/ol>\n","protected":false},"excerpt":{"rendered":"<p>En h\u00f6gkostnadskredit \u00e4r en kredit d\u00e4r banken tar referensr\u00e4ntan p\u00e5 30% i effektiv r\u00e4nta plus 30 procentenheter till f\u00f6r att l\u00e5na ut pengar till dig. Det \u00e4r med andra ord ett dyrt l\u00e5n som inte \u00e4r att prioritera om andra l\u00f6sningar finns. En vanlig snittr\u00e4nta f\u00f6r ett privatl\u00e5n brukar ligga n\u00e5gonstans mellan 3-10% och d\u00e4rf\u00f6r kan man f\u00f6rst\u00e5 att det blir betydligt dyrare med en r\u00e4nta p\u00e5 30% plus ytterligare kostnader i form av avgifter och liknande.<\/p>\n","protected":false},"author":16,"featured_media":3422,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-glossary.php","format":"standard","meta":{"footnotes":""},"categories":[100],"tags":[],"class_list":["post-3421","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ordlista","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>H\u00f6gkostnadskredit - Vad \u00e4r det? - Top5Credits<\/title>\n<meta name=\"description\" content=\"Hur ser egentligen regleringarna ut f\u00f6r en h\u00f6gkostnadskredit och hur h\u00f6ga kostnader kan du r\u00e4kna med att f\u00e5?\" \/>\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\/se\/ordlista\/hogkostnadskredit\/\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"H\u00f6gkostnadskredit - Vad \u00e4r det? - Top5Credits\" \/>\n<meta property=\"og:description\" content=\"Hur ser egentligen regleringarna ut f\u00f6r en h\u00f6gkostnadskredit och hur h\u00f6ga kostnader kan du r\u00e4kna med att f\u00e5?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.top5credits.com\/se\/ordlista\/hogkostnadskredit\/\" \/>\n<meta property=\"og:site_name\" content=\"Top5Credits.com Sverige\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Top5Credits-Sverige-380562019248980\" \/>\n<meta property=\"article:published_time\" content=\"2020-11-30T09:35:18+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-05-19T08:38:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/11\/Hogkostnadskredit.jpg?cdn=1.1.5\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"741\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Kasper\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Skriven av\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kasper\" \/>\n\t<meta name=\"twitter:label2\" content=\"Ber\u00e4knad l\u00e4stid\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minuter\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/ordlista\\\/hogkostnadskredit\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/ordlista\\\/hogkostnadskredit\\\/\"},\"author\":{\"name\":\"Kasper\",\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/#\\\/schema\\\/person\\\/070a4637f96098da973d844cc210ff07\"},\"headline\":\"H\u00f6gkostnadskredit\",\"datePublished\":\"2020-11-30T09:35:18+00:00\",\"dateModified\":\"2022-05-19T08:38:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/ordlista\\\/hogkostnadskredit\\\/\"},\"wordCount\":686,\"publisher\":{\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/ordlista\\\/hogkostnadskredit\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/wp-content\\\/uploads\\\/sites\\\/3\\\/2020\\\/11\\\/Hogkostnadskredit.jpg\",\"articleSection\":[\"Ordlista\"],\"inLanguage\":\"sv-SE\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/ordlista\\\/hogkostnadskredit\\\/\",\"url\":\"https:\\\/\\\/www.top5credits.com\\\/se\\\/ordlista\\\/hogkostnadskredit\\\/\",\"name\":\"H\u00f6gkostnadskredit - Vad \u00e4r det? 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