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Att samla lån eller göra en refinansiering innebär att du tar flera tidigare lån och samlar de till ett stort lån. Detta kan även göras i samband med att du tar ett nytt lån, då slås de gamla lånen ihop med det nya. Många använder sig av detta för att göra sig av med dyra lån och förbättra sin ekonomi.
Om du redan har dragit på dig många dyra smålån eller krediter kan det vara en bra idé att samla dina lån till ett stort, billigare lån. Detta låter dig inte bara spara pengar men ger dig även en bättre översyn på din ekonomi. Smålån är ofta väldigt dyra så om du samlar dina lån kan du få en ränta så låg som 3.5% vilket kan spara dig tusenlappar varje månad.
Lägre räntekostnader varje månad förbättrar din ekonomiska situation, kreditvärdighet och möjlighet att bli beviljad ett nytt lån. Är du en av många som vill köpa eget hus eller lägenhet så kollar banken väldigt noga på din ekonomi innan du blir beviljad ett bostadslån.
Genom att minska din totala återbetalningssumma varje månad får du mer pengar över till det viktiga här i livet. Kanske du äntligen kan åka iväg på den där drömresan? Eller kommer du nu kunna spara ihop till handpenningen till ett nytt hus? Bara fantasin sätter gränserna.
Så vänta inte, ansök redan idag om att samla dina lån och upplev glädjen av en förbättrad ekonomi. Du tjänar inte bara pengar genom en lägre ränta men även tid, tid som du kan spendera med dina nära och kära.
Adrian Svensson
Hanna Vinter
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