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Hvis du ikke har penge på lommen

At være i en situation hvor man ikke har penge på lommen er slet ikke sjovt. Selvom der er meget andet i livet end penge og at ”penge ikke er alt”, så spiller de alligevel en stor rolle i de fleste menneskers liv og det gælder formentligt også i dit liv siden du læser dette.

Er du i den kedelige situation, at du ingen penge har og derfor er på udkig efter en måde at låne penge, så kommer der her nogle gode råd til hvor du kan lede efter lån og hvilke ting du skal passe på, så du ikke bliver fanget i en gældsfælde du ikke kan komme ud af.

Kig på ÅOP

Låne pengeHvis du ikke kender så meget til økonomi og lån, så har du måske heller aldrig hørt begrebet ÅOP. Det er den årlige omkostningsprocent og er altså et tal der går udover hvad du betaler i rente når du skal låne penge.

Grunden til at man har indført det begreb i stedet for kun at kigge på renten er, at nogle selskaber begyndte at snyde ved at sætte en lav rente på deres lån, men til gengæld brugte meget høje gebyrer.

Så kunne de reklamere med en lav rente, men folk kom alligevel til at betale en formue for at låne penge hos dem. Det syntes forbrugerombudsmanden ikke var ok og derfor skal ÅOP nu indeholde alle omkostninger. Så det er tallet du skal kigge på når du skal se hvad der er billigst.

Spørg gerne flere steder

Det lyder måske som sund fornuft, men rigtig mange mennesker går kun hen et sted når de skal låne penge. Går du ned i din bank og beder om et lån, så kan du langt fra være sikker på, at du får den bedste pris. De giver din en standard pris/rente og accepterer du den, så tjener de godt på dig.

Tag i stedet og gå ind til minimum 3 forskellige steder og hør hvad de kan tilbyde. Så kan du pludselig spille dem ud mod hinanden og dermed få sænket renten. Der er ingen tvivl om, at din normale bank gerne vil låne dig pengene, så hvis du pludselig kommer og forklarer dem, at du kan få et lån et andet sted til 2% lavere rente, så vil de næsten altid følge med ned. Tænk nu hvis du fandt på at flytte bank.

Tjek din økonomi

Det er stadig forholdsvist nemt at låne penge, men det er ikke ensbetydende med, at det er en god ide. Hvis du låner til forbrug, så betyder det, at du køber noget som du egentlig ikke har råd til og havde du været fornuftig, så havde du i stedet sparet op til det. Er du ikke i stand til at spare op, så har du et endnu større problem, for så burde du slet ikke låne penge i første omgang.

Set dig ned og kig på dine tal og er du i tvivl, så tag dit budget forbi din bankrådgiver. Han eller hun arbejder med tal til dagligt og kan let hjælpe dig med at se hvad der er realistisk.

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