{"id":1256,"date":"2021-03-17T10:35:58","date_gmt":"2021-03-17T09:35:58","guid":{"rendered":"https:\/\/creddo.com\/se\/?p=1256"},"modified":"2025-01-28T12:34:09","modified_gmt":"2025-01-28T11:34:09","slug":"spara-pengar-pa-lagre-rantor","status":"publish","type":"post","link":"https:\/\/creddo.com\/se\/experthornan\/spara-pengar-pa-lagre-rantor\/","title":{"rendered":"L\u00e4gre r\u00e4nta ger l\u00e4gre l\u00e5nekostnad"},"content":{"rendered":"\n<p>I takt med digitaliseringen har utbudet av l\u00e5n till f\u00f6retag \u00f6kat rej\u00e4lt. F\u00f6r l\u00e5ntagare har den h\u00f6ga konkurrensen dock inneburit en rad positiva f\u00f6r\u00e4ndringar. Bland annat har kostnaderna f\u00f6r f\u00f6retagsl\u00e5n blivit allt l\u00e4gre och villkoren allt f\u00f6rm\u00e5nligare.&nbsp;<\/p>\n\n\n\n<p>Trots att det \u00e4r billigare och enklare \u00e4n n\u00e5gonsin att teckna ett l\u00e5n finns det fortfarande akt\u00f6rer som erbjuder l\u00e4gre r\u00e4ntor \u00e4n andra. Dessutom finns det en del saker du sj\u00e4lv kan g\u00f6ra f\u00f6r att \u00f6ka chanserna att hitta prisv\u00e4rda krediter. I den h\u00e4r artikeln delar vi med oss av v\u00e5ra b\u00e4sta tips.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-s-hittar-du-l-n-med-l-gre-r-ntor\">S\u00e5 hittar du l\u00e5n med l\u00e4gre r\u00e4ntor<\/h2>\n\n\n\n<p>Som tidigare n\u00e4mnt har den h\u00f6ga konkurrensen bland banker och kreditinstitut medf\u00f6rt en rad f\u00f6rdelar f\u00f6r dig som l\u00e5nekund. Bland annat har l\u00e5nebeloppen blivit betydligt mer gener\u00f6sa \u2013 idag kan du ans\u00f6ka om <a href=\"https:\/\/creddo.com\/se\/foretagslan\/\">f\u00f6retagsl\u00e5n upp till 10 miljoner kronor<\/a> eller mer.&nbsp;Men hur mycket f\u00f6retaget f\u00e5r l\u00e5na \u00e4r givetvis kopplat till oms\u00e4ttningen bolaget har och vilka s\u00e4kerheter som kan ges f\u00f6r l\u00e5net.<\/p>\n\n\n\n<p>Ytterligare en f\u00f6rdel \u00e4r att fasta m\u00e5nadsavgifter har blivit vanligare \u00e4n traditionella r\u00e4ntor, vilket g\u00f6r det enklare att planera f\u00f6retagets ekonom under l\u00e5neperioden. Dessutom finns det m\u00f6jlighet f\u00f6r b\u00e5de nystartade f\u00f6retag och f\u00f6retag med anm\u00e4rkningar att bli beviljade l\u00e5n.&nbsp;<\/p>\n\n\n\n<p>Trots att chanserna att hitta f\u00f6retagsl\u00e5n med l\u00e5ga r\u00e4ntor idag \u00e4r goda finns det en del saker du kan g\u00f6ra f\u00f6r att spara \u00e4nnu mer pengar. H\u00e4r kommer tre av v\u00e5ra b\u00e4sta tips!<\/p>\n\n\n\n<p>\n<a href=\"https:\/\/creddo.com\/se\/\" class=\"btn btn-blue\">Ans\u00f6k kostnadsfritt (ej bindande)<\/a>\n<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-se-ver-f-retagets-kreditbetyg\">1. Se \u00f6ver f\u00f6retagets kreditbetyg<\/h3>\n\n\n\n<p>Kreditbetyget visar f\u00f6retagets ekonomiska f\u00f6ruts\u00e4ttningar, det vill s\u00e4ga dess oms\u00e4ttning, tillg\u00e5ngar, skulder och eventuella <a href=\"https:\/\/creddo.com\/se\/foretagslan\/betalningsanmarkning\/\">betalningsanm\u00e4rkningar som f\u00f6retaget<\/a> har. Det \u00e4r kreditbetyget som avg\u00f6r hur mycket du f\u00e5r l\u00e5na samt vad f\u00f6retagsl\u00e5net kommer att kosta.&nbsp;<\/p>\n\n\n\n<p>Genom att granska <a href=\"https:\/\/creddo.com\/se\/experthornan\/5-tips-for-att-forbattra-foretagets-kreditbetyg\/\">f\u00f6retagets kreditbetyg<\/a> kan du se vilken information l\u00e5ngivaren f\u00e5r tillg\u00e5ng till i sin kreditbed\u00f6mning. Se till att uppgifterna st\u00e4mmer och komplettera g\u00e4rna din ans\u00f6kan med andra underlag som kan styrka f\u00f6retagets betalningsf\u00f6rm\u00e5ga.&nbsp;<\/p>\n\n\n\n<p><strong>Tips!<\/strong> Om f\u00f6retaget har en betalningsanm\u00e4rkning kan det vara en god id\u00e9 att v\u00e4nta med att ans\u00f6ka om l\u00e5n tills anm\u00e4rkningen f\u00f6rsvunnit. F\u00f6r enskilda firmor ligger anm\u00e4rkningen kvar i tre \u00e5r och f\u00f6r aktiebolag i fem \u00e5r.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-l-mna-s-kerheter-f-r-l-net\">2. L\u00e4mna s\u00e4kerheter f\u00f6r l\u00e5net&nbsp;<\/h3>\n\n\n\n<p>I princip alla f\u00f6retagsl\u00e5n idag kr\u00e4ver en s\u00e4kerhet i form av personlig borgen av f\u00f6retagets f\u00f6retr\u00e4dare. I vissa fall, framf\u00f6r allt vid st\u00f6rre l\u00e5nebelopp, kan vissa l\u00e5ngivare till och med kr\u00e4va tv\u00e5 borgensm\u00e4n.&nbsp;<\/p>\n\n\n\n<p>Syftet med s\u00e4kerheten \u00e4r att minska l\u00e5ngivarens utl\u00e5ningsrisk. Ju b\u00e4ttre s\u00e4kerhet du har, desto l\u00e4gre blir risken. Eftersom kostnaden f\u00f6r l\u00e5net alltid baseras p\u00e5 utl\u00e5ningsrisken kan s\u00e4kerheten med andra ord inneb\u00e4ra en l\u00e4gre l\u00e5nekostnad.&nbsp;<\/p>\n\n\n\n<p>Om du vill \u00f6ka chanserna att bli erbjuden l\u00e4gre r\u00e4ntor kan du testa att erbjuda l\u00e5ngivaren fler s\u00e4kerheter, ut\u00f6ver personlig borgen. Du kan till exempel l\u00e4mna en s\u00e4kerhet i form av f\u00f6retagsinteckning, det vill s\u00e4ga f\u00f6retagets tillg\u00e5ngar.&nbsp;<\/p>\n\n\n\n<p><strong>OBS!<\/strong> Var s\u00e4ker p\u00e5 att du kan \u00e5terbetala din skuld innan du v\u00e4ljer att erbjuda s\u00e4kerheter i f\u00f6retaget. Om du drabbas av betalningssv\u00e5righeter under l\u00e5neperioden kan l\u00e5net snabbt orsaka ekonomiska problem som kan vara \u00f6del\u00e4ggande f\u00f6r din verksamhet.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-ans-k-via-en-l-nef-rmedlare\">3. Ans\u00f6k via en l\u00e5nef\u00f6rmedlare<\/h3>\n\n\n\n<p>Det kanske b\u00e4sta tipset av dem alla f\u00f6r dig som \u00e4r ute efter l\u00e5ga r\u00e4ntor \u00e4r att <a href=\"https:\/\/creddo.com\/se\/\">j\u00e4mf\u00f6ra finansieringsalternativ via en l\u00e5nef\u00f6rmedlare<\/a>. En l\u00e5nef\u00f6rmedlare samarbetar n\u00e4mligen med flera l\u00e5ngivare och banker, vilket inneb\u00e4r att du med bara en ans\u00f6kan och kreditupplysning kan f\u00e5 flera l\u00e5nef\u00f6rslag.&nbsp;<\/p>\n\n\n\n<p>Eftersom majoriteten av dagens l\u00e5ngivare till\u00e4mpar individuell priss\u00e4ttning blir det betydligt enklare att j\u00e4mf\u00f6ra f\u00f6retagsl\u00e5n via en l\u00e5nef\u00f6rmedlare. H\u00e4r kan du direkt se vilken r\u00e4nta (eller avgift) varje ansluten l\u00e5ngivare kan erbjuda dig och <a href=\"https:\/\/creddo.com\/se\/foretagslan\/ranta\/\">j\u00e4mf\u00f6ra de l\u00e4gsta r\u00e4ntorna f\u00f6r f\u00f6retagsl\u00e5n<\/a>.&nbsp;<\/p>\n\n\n\n<p>L\u00e5nef\u00f6rmedlare tar s\u00e4llan ut n\u00e5gon avgift f\u00f6r sin f\u00f6rmedling. Ist\u00e4llet f\u00e5r de betalt i form av provision fr\u00e5n de ansluta l\u00e5ngivarna. Att ans\u00f6ka om f\u00f6retagsfinansiering via en l\u00e5nef\u00f6rmedlare \u00e4r dessutom inte bindande, vilket betyder att du kan tacka nej till alla l\u00e5nef\u00f6rslag om du \u00f6nskar.&nbsp;<\/p>\n\n\n\n<p><strong>T\u00e4nk p\u00e5!<\/strong> N\u00e4r du g\u00e5r igenom dina l\u00e5nef\u00f6rslag, j\u00e4mf\u00f6r alltid den effektiva r\u00e4ntan f\u00f6r f\u00f6retagsl\u00e5net. Den visar n\u00e4mligen den faktiska l\u00e5nekostnaden, inklusive \u00f6vriga avgifter som kan tillkomma.&nbsp;<\/p>\n\n\n\n<p>\n<a href=\"https:\/\/creddo.com\/se\/\" class=\"btn btn-blue\">Ans\u00f6k genom Creddo l\u00e5nef\u00f6rmedling<\/a>\n<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-spara-pengar-under-l-neperioden\">Spara pengar under l\u00e5neperioden<\/h2>\n\n\n\n<p>\u00c4ven efter att du tecknat ett f\u00f6retagsl\u00e5n finns det s\u00e4tt att h\u00e5lla nere kostnaderna. Nedan hittar du fyra hj\u00e4lpsamma tips.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Betala via e-faktura eller autogiro<\/strong>. Genom att \u00e5terbetala f\u00f6retagsl\u00e5net digitalt, det vill s\u00e4ga via e-faktura eller autogiro, slipper du betala administrativa avgifter. \u00c4ven om avgiften f\u00f6r en pappersfaktura \u00e4r ganska l\u00e5n (normalt sett omkring 35 kronor) kan totalkostnaden bli h\u00f6g vid l\u00e5n med l\u00e5ng l\u00f6ptid.&nbsp;&nbsp;<\/li><li><strong>Slarva inte med betalningarna<\/strong>. Se till att alltid betala dina r\u00e4kningar i tid f\u00f6r att undvika on\u00f6diga p\u00e5minnelseavgifter. \u00c4ven h\u00e4r kan autogiro vara f\u00f6rdelaktigt eftersom du d\u00e5 inte beh\u00f6ver h\u00e5lla reda p\u00e5 f\u00f6rfallodatum.&nbsp;<\/li><li><strong>G\u00f6r extra inbetalningar.<\/strong> Om du har m\u00f6jlighet, \u00f6ka dina dags-, vecko- eller m\u00e5nadsamorteringar. P\u00e5 s\u00e5 s\u00e4tt kan du bli skuldfri snabbare. Om l\u00e5net har en traditionell r\u00e4nta beh\u00f6ver du dessutom inte betala r\u00e4ntekostnader under lika l\u00e5ng tid.<\/li><li><strong>L\u00f6s hela l\u00e5net.<\/strong> Om du vill spara s\u00e5 mycket pengar som m\u00f6jligt ska du f\u00f6rs\u00f6ka \u00e5terbetala f\u00f6retagsl\u00e5net i sin helhet s\u00e5 snart du kan. Du betalar n\u00e4mligen bara f\u00f6r l\u00e5net s\u00e5 l\u00e4nge du utnyttjar det.&nbsp;<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>I takt med digitaliseringen har utbudet av l\u00e5n till f\u00f6retag \u00f6kat rej\u00e4lt. F\u00f6r l\u00e5ntagare har den h\u00f6ga konkurrensen dock inneburit en rad positiva f\u00f6r\u00e4ndringar. Bland annat har kostnaderna f\u00f6r f\u00f6retagsl\u00e5n blivit allt l\u00e4gre och villkoren allt f\u00f6rm\u00e5nligare.&nbsp; Trots att det \u00e4r billigare och enklare \u00e4n n\u00e5gonsin att teckna ett l\u00e5n finns det fortfarande akt\u00f6rer som [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":2063,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[],"tags":[],"class_list":["post-1256","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>L\u00e4gre l\u00e5nekostnad med l\u00e4gre r\u00e4nta - Creddo tipsar hur du kan spara<\/title>\n<meta name=\"description\" content=\"L\u00e4gre r\u00e4ntor g\u00f6r att du f\u00e5r mindre kostnader p\u00e5 ditt f\u00f6retagsl\u00e5n. 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