{"id":4,"date":"2021-08-19T15:49:43","date_gmt":"2021-08-19T13:49:43","guid":{"rendered":"http:\/\/modernfilosofi.se\/?p=4"},"modified":"2021-08-19T16:26:19","modified_gmt":"2021-08-19T14:26:19","slug":"snabblan-sa-fungerar-det","status":"publish","type":"post","link":"http:\/\/modernfilosofi.se\/index.php\/2021\/08\/19\/snabblan-sa-fungerar-det\/","title":{"rendered":"Snabbl\u00e5n &#8211; S\u00e5 fungerar det"},"content":{"rendered":"<div class=\"entry\">\n\n\n<p>Att ta ett <a href=\"https:\/\/snabbl\u00e5n.info\/\">snabbl\u00e5n<\/a> g\u00f6r att du kan l\u00e5na pengar snabbt. Denna typ av l\u00e5n kan du ofta anv\u00e4nda f\u00f6r att finansiera mindre k\u00f6p s\u00e5 som k\u00f6p av m\u00f6bler, bil, utrustning eller f\u00f6r att samla dina andra mindre l\u00e5n.<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\">L\u00e5nebelopp och r\u00e4nta f\u00f6r snabbl\u00e5n<\/h2>\n\n\n\n<p>Det finns lite olika alternativ f\u00f6r kreditgivarna n\u00e4r det g\u00e4ller snabbl\u00e5n. F\u00f6r det mesta handlar det om mindre summor, omkring 2 000 kronor till 10 000 kronor. I vissa fall kan dock kreditgivare marknadsf\u00f6ra sina l\u00e5n som snabbl\u00e5n och erbjuda belopp mellan 10 000 kronor och upp till 500 000 kronor. De allra minsta snabbl\u00e5nen handlar d\u00e5 oftast om s\u00e5 kallade sms-l\u00e5n.<\/p>\n\n\n\n<p>Gemensamt f\u00f6r alla dessa snabbl\u00e5n \u00e4r dock att de har ett v\u00e4ldigt h\u00f6g r\u00e4nta. En del l\u00e5ngivare har effektiva \u00e5rsr\u00e4ntor p\u00e5 uppemot 800 % vilket g\u00f6r att ett relativt litet snabbl\u00e5n snabbt blir dyrt. Dessa sm\u00e5l\u00e5n ska dessutom ofta betalas tillbaka inom n\u00e5gon m\u00e5nad till upp till ett \u00e5r.<\/p>\n\n\n\n<p>Det finns d\u00e4remot l\u00e5ngivare som har betydligt l\u00e4gre effektiva \u00e5rsr\u00e4ntor, p\u00e5 omkring 30 % och som erbjuder \u00e5terbetalningstider p\u00e5 mellan 1 och 10 \u00e5r. Det g\u00e4ller allts\u00e5 att du letar efter den l\u00e5ngivare som kan ge dig det allra b\u00e4sta erbjudandet. Ta med andra ord inte f\u00f6rsta och b\u00e4sta l\u00e5n &#8211; g\u00f6r en research f\u00f6rst!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kreditpr\u00f6vning och UC<\/h2>\n\n\n\n<p>Ofta beh\u00f6vs en kreditpr\u00f6vning f\u00f6r att du ska bli beviljad ett l\u00e5n och m\u00e5nga l\u00e5ngivare g\u00f6r kontroll via UC. Din kreditv\u00e4rdighet kan p\u00e5verkar f\u00f6r varje UC-kontroll som g\u00f6rs, och det \u00e4r d\u00e4rf\u00f6r bra om l\u00e5ngivaren inte g\u00f6r en kontroll hos UC n\u00e4r du ska ta ett snabbl\u00e5n. Idag finns flera sms l\u00e5n utan UC och andra snabbl\u00e5n utan UC. Du kan d\u00e4rf\u00f6r l\u00e5na pengar utan att riskera att du inte f\u00e5r nya l\u00e5n i framtiden.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Skulder och betalningsanm\u00e4rkningar<\/h2>\n\n\n\n<p>Generellt g\u00e4ller att du:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>inte kan ha n\u00e5gra aktiva skulder hos Kronofogden<\/li><li>kan ha betalningsanm\u00e4rkningar<\/li><li>ibland inte kan ha f\u00e5tt nya betalningsanm\u00e4rkningar inom de senaste 3 m\u00e5naderna, eller senaste \u00e5ret<\/li><\/ul>\n\n\n\n<p>Att ha aktiva skulder hos Kronofogden diskvalificerar dig i princip fr\u00e5n alla l\u00e5netyper. D\u00e4remot \u00e4r det ofta inga problem att du har, eller haft, betalningsanm\u00e4rkningar. En del l\u00e5ngivare ger dig dock inga nya l\u00e5n om du f\u00e5tt nya betalningsanm\u00e4rkningar inom den senaste tiden. Detta s\u00e4ger de beror p\u00e5 att de vill att du ska ha en &#8220;v\u00e4lordnad ekonomisk situation&#8221;. Om du inte har detta n\u00e4r du l\u00e5nar pengar \u00e4r risken stor att du inte har r\u00e5d, eller inte betalar i tid, f\u00f6r l\u00e5net. Du f\u00e5r d\u00e5 \u00e4nnu st\u00f6rre ekonomiska problem i l\u00e4ngden.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Inkomstkrav<\/h2>\n\n\n\n<p>Precis som andra typer av l\u00e5n s\u00e5 \u00e4r snabba l\u00e5n bef\u00e4sta med inkomstkrav. Det betyder att du m\u00e5ste tj\u00e4na en viss summa pengar f\u00f6r att ha r\u00e4tt att l\u00e5na pengar.<\/p>\n\n\n\n<p>F\u00f6r sm\u00e5 snabbl\u00e5n kan det r\u00e4cka att du har en \u00e5rsinkomst om 80 000 kronor\/\u00e5r efter skatt, medan f\u00f6r de st\u00f6rre l\u00e5nen kan kravet ligga p\u00e5 150 kronor\/\u00e5r f\u00f6re skatt eller n\u00e5got h\u00f6gre. Generellt har dock snabbl\u00e5n l\u00e4gre inkomstkrav \u00e4n till exempel bostadsl\u00e5n, eftersom l\u00e5nebeloppet \u00e4r mycket l\u00e4gre.<\/p>\n\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Att ta ett snabbl\u00e5n g\u00f6r att du kan l\u00e5na pengar snabbt. Denna typ av l\u00e5n kan du ofta anv\u00e4nda f\u00f6r att finansiera mindre k\u00f6p s\u00e5 som k\u00f6p av m\u00f6bler, bil, utrustning eller f\u00f6r att samla dina andra mindre l\u00e5n. L\u00e5nebelopp och r\u00e4nta f\u00f6r snabbl\u00e5n Det finns lite olika alternativ f\u00f6r kreditgivarna n\u00e4r det g\u00e4ller snabbl\u00e5n. &#8230;<\/p>\n","protected":false},"author":1,"featured_media":13,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[2],"tags":[],"class_list":{"0":"post-4","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-blogg","8":"anons"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v16.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Snabbl\u00e5n - S\u00e5 fungerar det - Modern filosofi<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/modernfilosofi.se\/index.php\/2021\/08\/19\/snabblan-sa-fungerar-det\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Snabbl\u00e5n - S\u00e5 fungerar det - Modern filosofi\" \/>\n<meta property=\"og:description\" content=\"Att ta ett snabbl\u00e5n g\u00f6r att du kan l\u00e5na pengar snabbt. 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L\u00e5nebelopp och r\u00e4nta f\u00f6r snabbl\u00e5n Det finns lite olika alternativ f\u00f6r kreditgivarna n\u00e4r det g\u00e4ller snabbl\u00e5n. ...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/modernfilosofi.se\/index.php\/2021\/08\/19\/snabblan-sa-fungerar-det\/\" \/>\n<meta property=\"og:site_name\" content=\"Modern filosofi\" \/>\n<meta property=\"article:published_time\" content=\"2021-08-19T13:49:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-08-19T14:26:19+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/modernfilosofi.se\/wp-content\/uploads\/2021\/08\/money1-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"512\" \/>\n\t<meta property=\"og:image:height\" content=\"512\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"modernfilosofi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/modernfilosofi.se\/#website\",\"url\":\"https:\/\/modernfilosofi.se\/\",\"name\":\"Modern filosofi\",\"description\":\"Skriver om det mesta\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/modernfilosofi.se\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/modernfilosofi.se\/index.php\/2021\/08\/19\/snabblan-sa-fungerar-det\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"http:\/\/modernfilosofi.se\/wp-content\/uploads\/2021\/08\/money1-1.png\",\"contentUrl\":\"http:\/\/modernfilosofi.se\/wp-content\/uploads\/2021\/08\/money1-1.png\",\"width\":512,\"height\":512},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/modernfilosofi.se\/index.php\/2021\/08\/19\/snabblan-sa-fungerar-det\/#webpage\",\"url\":\"https:\/\/modernfilosofi.se\/index.php\/2021\/08\/19\/snabblan-sa-fungerar-det\/\",\"name\":\"Snabbl\\u00e5n - S\\u00e5 fungerar det - Modern filosofi\",\"isPartOf\":{\"@id\":\"https:\/\/modernfilosofi.se\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/modernfilosofi.se\/index.php\/2021\/08\/19\/snabblan-sa-fungerar-det\/#primaryimage\"},\"datePublished\":\"2021-08-19T13:49:43+00:00\",\"dateModified\":\"2021-08-19T14:26:19+00:00\",\"author\":{\"@id\":\"https:\/\/modernfilosofi.se\/#\/schema\/person\/27769f906e93138759655e1657e466a3\"},\"breadcrumb\":{\"@id\":\"https:\/\/modernfilosofi.se\/index.php\/2021\/08\/19\/snabblan-sa-fungerar-det\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/modernfilosofi.se\/index.php\/2021\/08\/19\/snabblan-sa-fungerar-det\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/modernfilosofi.se\/index.php\/2021\/08\/19\/snabblan-sa-fungerar-det\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Hem\",\"item\":\"https:\/\/modernfilosofi.se\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Snabbl\\u00e5n &#8211; S\\u00e5 fungerar det\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/modernfilosofi.se\/#\/schema\/person\/27769f906e93138759655e1657e466a3\",\"name\":\"modernfilosofi\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/modernfilosofi.se\/#personlogo\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/74a35ce9b4df2e2ad0437691c150e5e4ad24c09ce8e9d2f7396ceed29f5b7b64?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/74a35ce9b4df2e2ad0437691c150e5e4ad24c09ce8e9d2f7396ceed29f5b7b64?s=96&d=mm&r=g\",\"caption\":\"modernfilosofi\"},\"sameAs\":[\"http:\/\/modernfilosofi.se\"],\"url\":\"http:\/\/modernfilosofi.se\/index.php\/author\/modernfilosofi\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Snabbl\u00e5n - S\u00e5 fungerar det - Modern filosofi","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/modernfilosofi.se\/index.php\/2021\/08\/19\/snabblan-sa-fungerar-det\/","og_locale":"en_US","og_type":"article","og_title":"Snabbl\u00e5n - S\u00e5 fungerar det - Modern filosofi","og_description":"Att ta ett snabbl\u00e5n g\u00f6r att du kan l\u00e5na pengar snabbt. 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