{"id":1302,"date":"2021-03-30T16:14:35","date_gmt":"2021-03-30T14:14:35","guid":{"rendered":"https:\/\/creddo.com\/se\/?p=1302"},"modified":"2025-12-31T11:40:33","modified_gmt":"2025-12-31T10:40:33","slug":"skillnaden-pa-foretagslan-och-privatlan","status":"publish","type":"post","link":"https:\/\/creddo.com\/se\/experthornan\/skillnaden-pa-foretagslan-och-privatlan\/","title":{"rendered":"Skillnaden p\u00e5 f\u00f6retagsl\u00e5n och privatl\u00e5n"},"content":{"rendered":"\n<p>Ett privatl\u00e5n kan man endast teckna som konsument j\u00e4mf\u00f6rt med ett <a href=\"https:\/\/creddo.com\/se\/foretagslan\/\">f\u00f6retagsl\u00e5n som endast kan tecknas av en verksamhet eller ett bolag<\/a>. Eftersom man kan anv\u00e4nda ett privatl\u00e5n till vad man vill s\u00e5 kan det indirekt tecknas f\u00f6r att finansiera en verksamhet. <\/p>\n\n\n\n<p>Trots att privatl\u00e5n ofta har en l\u00e4gre r\u00e4nta s\u00e5 kan det \u00e4nd\u00e5 vara mer f\u00f6rdelaktigt med ett f\u00f6retagsl\u00e5n, eftersom en verksamhet kan ans\u00f6ka om mycket h\u00f6gre l\u00e5nebelopp \u00e4n vad konsumenter erbjuds p\u00e5 marknaden.<\/p>\n\n\n\n<p>Oavsett om man ans\u00f6ker om ett privatl\u00e5n eller en <a href=\"https:\/\/creddo.com\/se\/foretagskredit\/\">f\u00f6retagskredit<\/a> s\u00e5 b\u00f6r man g\u00f6ra en budget innan och vara s\u00e4ker p\u00e5 att man klarar \u00e5terbetalningen.<\/p>\n\n\n\n<p>\n<a href=\"https:\/\/creddo.com\/se\/\" class=\"btn btn-blue\">G\u00f6r en kostnadsfri ans\u00f6kan<\/a>\n<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-privatl-n\">Privatl\u00e5n<\/h2>\n\n\n\n<p>Det kan finnas m\u00e5nga sk\u00e4l till att man ans\u00f6ker om ett privatl\u00e5n. Kanske vill du renovera din bostad, resa utomlands eller k\u00f6pa en bil. Ett privatl\u00e5n kallas \u00e4ven l\u00e5n utan s\u00e4kerhet eftersom du kan anv\u00e4nda l\u00e5net till vad du sj\u00e4lv vill.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-hur-stor-summa-f-r-du-l-na\">Hur stor summa f\u00e5r du l\u00e5na?<\/h3>\n\n\n\n<p>Det \u00e4r vanligt att l\u00e5ngivare erbjuder privatl\u00e5n upp till 600 000 kronor men hur mycket just du kan l\u00e5na beror p\u00e5 hur din privatekonomi ser ut. En h\u00f6g och stabil inkomst \u00f6kar chanserna till ett privatl\u00e5n, samt att inte ha flera l\u00e5n sedan tidigare som inte \u00e4r \u00e5terbetalda.<\/p>\n\n\n\n<p>Om du har betalningsanm\u00e4rkningar s\u00e5 brukar l\u00e5ngivarna erbjuda ett l\u00e4gre l\u00e5nebelopp \u00e4n vad du skulle kunna f\u00e5 godk\u00e4nt utan anm\u00e4rkningar. Har du f\u00f6r m\u00e5nga anm\u00e4rkningar sedan tidigare s\u00e5 riskerar du att inte f\u00e5 din ans\u00f6kan godk\u00e4nd.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-f-r-alla-teckna-ett-privatl-n\">F\u00e5r alla teckna ett privatl\u00e5n?<\/h4>\n\n\n\n<p>De flesta privatpersoner \u00f6ver 18 \u00e5r som \u00e4r skrivna i Sverige kan ans\u00f6ka om ett privatl\u00e5n. Det finns dock l\u00e5ngivare som har en h\u00f6gre \u00e5ldersgr\u00e4ns, till exempel 20 \u00e5r, som krav. <\/p>\n\n\n\n<p>Din kreditv\u00e4rdighet och inkomst \u00e4r avg\u00f6rande f\u00f6r om du kan l\u00e5na pengar. Alla l\u00e5ngivare \u00e4r skyldiga att ta en kreditupplysning p\u00e5 den som ans\u00f6ker om att l\u00e5na, och om din kreditv\u00e4rdighet \u00e4r f\u00f6r l\u00e5g s\u00e5 avsl\u00e5s din ans\u00f6kan. <\/p>\n\n\n\n<p>Ju l\u00e4gre kreditv\u00e4rdighet du har, desto mer m\u00e5ste du dessutom betala i r\u00e4nta.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-anv-nda-privatl-n-till-f-retaget\">Anv\u00e4nda privatl\u00e5n till f\u00f6retaget<\/h3>\n\n\n\n<p>Skulle det h\u00e4nda att ditt f\u00f6retag av n\u00e5gon anledning inte beviljas ett f\u00f6retagsl\u00e5n, finns m\u00f6jligheten att ta ett privatl\u00e5n som man sedan anv\u00e4nder till f\u00f6retaget.&nbsp;<\/p>\n\n\n\n<p>N\u00e4r din ans\u00f6kan om ett privatl\u00e5n \u00e4r godk\u00e4nd och du har accepterat l\u00e5nevillkoren s\u00e5 f\u00e5r man vanligtvis pengarna utbetalda samma dag eller inom n\u00e4sta bankdag.<\/p>\n\n\n\n<p>N\u00e4sta steg \u00e4r att skriva ett skuldebrev som g\u00e4ller mellan dig och ditt f\u00f6retag. Det beh\u00f6ver inneh\u00e5lla l\u00e5nebelopp, amorteringsplan och r\u00e4nta. L\u00e5net bokf\u00f6rs sen som skuld till n\u00e4rst\u00e5ende.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-l-gre-r-nta-p-privatl-n-j-mf-rt-med-f-retagsl-n\">L\u00e4gre r\u00e4nta p\u00e5 privatl\u00e5n j\u00e4mf\u00f6rt med f\u00f6retagsl\u00e5n<\/h4>\n\n\n\n<p>Ett privatl\u00e5n har oftast l\u00e4gre r\u00e4nta \u00e4n ett f\u00f6retagsl\u00e5n. Anledningen till det \u00e4r att risken \u00e4r h\u00f6gre f\u00f6r l\u00e5ngivaren med ett f\u00f6retagsl\u00e5n. <\/p>\n\n\n\n<p>Om ett aktiebolag g\u00e5r i konkurs \u00e4r det inte alls s\u00e4kert att banken eller l\u00e5ngivaren f\u00e5r tillbaka n\u00e5gra pengar . Av den anledningen \u00e4r r\u00e4ntan p\u00e5 f\u00f6retagsl\u00e5n i regel h\u00f6gre.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-f-retagsl-n\"><strong>F\u00f6retagsl\u00e5n<\/strong><\/h2>\n\n\n\n<p>Det kan finnas m\u00e5nga sk\u00e4l \u00e4ven till varf\u00f6r ett bolag beh\u00f6ver l\u00e5na pengar. Det kan till exempel handla om en tillf\u00e4llig likviditetsbrist, att man \u00e4r i en expansionsfas som kr\u00e4ver investeringar eller att man ska b\u00f6rja anst\u00e4lla.<\/p>\n\n\n\n<p>F\u00f6r nystartade f\u00f6retag \u00e4r det vanligt att man inte alltid har int\u00e4kter fr\u00e5n f\u00f6rsta dagen och det kan d\u00e4rf\u00f6r kr\u00e4vas ett tillskott av kontanter f\u00f6r att h\u00e5lla r\u00f6relsen vid liv i uppstartsskedet.<\/p>\n\n\n\n<p>\n<a href=\"https:\/\/creddo.com\/se\/foretagslan\/\" class=\"btn btn-blue\">J\u00e4mf\u00f6r f\u00f6retagsl\u00e5n<\/a>\n<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-l-na-till-aktiebolag\"><strong>L\u00e5na till aktiebolag<\/strong><\/h4>\n\n\n\n<p>Aktiebolag r\u00e4knas som en juridisk person, vilket inneb\u00e4r att f\u00f6retaget kan vara l\u00e5ntagare hos en bank eller l\u00e5ngivare. S\u00e4kerheten till krediten best\u00e5r av f\u00f6retagets tillg\u00e5ngar och kassafl\u00f6de. <\/p>\n\n\n\n<p>Ofta g\u00e5r \u00e4ven \u00e4garen eller en styrelsemedlem in som personlig borgen f\u00f6r <a href=\"https:\/\/creddo.com\/se\/foretagslan\/aktiebolag\/\">f\u00f6retagsl\u00e5net till ett aktiebolag<\/a>. Det beror p\u00e5 att l\u00e5ngivaren ofta \u00f6nskar en extra s\u00e4kerhet g\u00e4llande \u00e5terbetalning av de l\u00e5nade pengarna.&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p class=\"has-text-align-center\"><strong>Tips! L\u00e4s mer om <a href=\"https:\/\/creddo.com\/se\/foretagslan\/aktiebolag\/\">f\u00f6retagsl\u00e5n till aktiebolag<\/a>.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-l-na-till-enskild-firma\"><strong>L\u00e5na till enskild firma<\/strong><\/h4>\n\n\n\n<p>Den enskilda firman r\u00e4knas inte som juridisk person, och kan allts\u00e5 inte skrivas som ytterst ansvarig f\u00f6r ett l\u00e5n. <\/p>\n\n\n\n<p><br>Privatekonomin hos \u00e4garens till den enskild firman spelar in n\u00e4r man ans\u00f6ker om att l\u00e5na. En stark ekonomi och h\u00f6g kreditv\u00e4rdighet f\u00f6renklar <a href=\"https:\/\/creddo.com\/se\/foretagslan\/enskild-firma\/\">beviljandet av f\u00f6retagsl\u00e5n till enskild firma<\/a>.&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p class=\"has-text-align-center\"><strong>Tips! L\u00e4s mer om <a href=\"https:\/\/creddo.com\/se\/foretagslan\/enskild-firma\/\">l\u00e5n till enskild firma<\/a>.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-hur-stor-summa-kan-du-l-na\"><strong>Hur stor summa kan du l\u00e5na?<\/strong><\/h4>\n\n\n\n<p>Precis som n\u00e4r det handlar om privatl\u00e5n s\u00e5 p\u00e5verkas l\u00e5nebeloppet av flera faktorer. Bland annat s\u00e5 p\u00e5verkar bolagets oms\u00e4ttning, och i vissa fall \u00e4garens privatekonomi, beloppet<\/p>\n\n\n\n<p>Hur aff\u00e4rsplanen ser ut och om ditt f\u00f6retag anv\u00e4nder revisor eller inte \u00e4r andra faktorer som kan p\u00e5vera.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-r-ntan-p-f-retagsl-net\"><strong>R\u00e4ntan p\u00e5 f\u00f6retagsl\u00e5net<\/strong><\/h4>\n\n\n\n<p><a href=\"https:\/\/creddo.com\/se\/foretagslan\/ranta\/\">R\u00e4ntan p\u00e5 f\u00f6retagsl\u00e5n varierar<\/a>, beroende dels p\u00e5 f\u00f6retagets situation och p\u00e5 vilket r\u00e4nteintervall som l\u00e5ngivaren erbjuder. M\u00e5nga l\u00e5ngivare anger \u00e4ven ett fast m\u00e5nadsbelopp, som inkluderar alla avgifter, ist\u00e4llet f\u00f6r r\u00e4nta.<\/p>\n\n\n\n<p>Som tidigare n\u00e4mnt \u00e4r r\u00e4ntan ofta h\u00f6gre \u00e4n p\u00e5 privatl\u00e5n, vilket beror p\u00e5 att ett aktiebolag inte beh\u00f6ver betala tillbaka l\u00e5net om det saknas medel vid eventuell konkurs. Den h\u00f6gre r\u00e4ntan hj\u00e4lper till viss m\u00e5n till att kompensera f\u00f6r den h\u00f6gre risken.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-vilket-l-n-r-b-st\"><strong>Vilket l\u00e5n \u00e4r b\u00e4st?<\/strong><\/h2>\n\n\n\n<p>B\u00e5de f\u00f6retagare och privatpersoner har olika f\u00f6ruts\u00e4ttningar, och olika saker skiljer de olika l\u00e5netyperna \u00e5t, till exempel r\u00e4nta, kostnader, krav p\u00e5 borgensman samt skatt.&nbsp;<\/p>\n\n\n\n<p>R\u00e4ntan p\u00e5 privatl\u00e5n \u00e4r som tidigare n\u00e4mnts oftast l\u00e4gre, vilket s\u00e5klart kan vara en f\u00f6rdel. <\/p>\n\n\n\n<p>Tar du ett privatl\u00e5n som du sen l\u00e5nar ut till ditt f\u00f6retag, \u00e4r f\u00f6rdelen ocks\u00e5 att du kan ta ut pengar fr\u00e5n f\u00f6retaget med ganska l\u00e5g skatt, eftersom det r\u00e4knas som avbetalning p\u00e5 ett l\u00e5n.<\/p>\n\n\n\n<p>\u00c4r du en etablerad f\u00f6retagare kan det \u00e4nd\u00e5 vara b\u00e4ttre med ett f\u00f6retagsl\u00e5n framf\u00f6r ett privatl\u00e5n. D\u00e5 beh\u00f6ver du inte st\u00e5 som personligt ansvarig f\u00f6r l\u00e5net (s\u00e5 till vida du inte g\u00e5r i borgen f\u00f6r l\u00e5net), och det p\u00e5verkar inte din privata kreditv\u00e4rdighet.&nbsp;<\/p>\n\n\n\n<p>\n<a href=\"https:\/\/creddo.com\/se\/\" class=\"btn btn-blue\">J\u00e4mf\u00f6r f\u00f6retagsfinansiering<\/a>\n<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ett privatl\u00e5n kan man endast teckna som konsument j\u00e4mf\u00f6rt med ett f\u00f6retagsl\u00e5n som endast kan tecknas av en verksamhet eller ett bolag. Eftersom man kan anv\u00e4nda ett privatl\u00e5n till vad man vill s\u00e5 kan det indirekt tecknas f\u00f6r att finansiera en verksamhet. Trots att privatl\u00e5n ofta har en l\u00e4gre r\u00e4nta s\u00e5 kan det \u00e4nd\u00e5 vara [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":1992,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[39,26],"tags":[],"class_list":["post-1302","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-alla-kategorier","category-finansiering"],"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>Vad \u00e4r skillnaden p\u00e5 f\u00f6retagsl\u00e5n och privatl\u00e5n? | Creddo<\/title>\n<meta name=\"description\" content=\"B\u00e5de ett privatl\u00e5n och ett f\u00f6retagsl\u00e5n kan anv\u00e4ndas f\u00f6r att finansiera din verksamhet. 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