Er du en af de danskere der bliver fristet af at låne penge, så er det vigtigt at tænke sig om en ekstra gang. I Danmark er markedet for hurtige lån til private i vækst, og man kan let blive fristet af en af de mange låne-reklamer, som snart er alle steder i bybilledet og på tv.
Hold øje med renten
Uanset hvor mange penge man ønsker at låne, så er det vigtigt at læse betingelserne for lånet. Jo lavere omkostningerne er på lånet, desto bedre er det for dig. I mange år har det været en meget brugt praksis at reklamere med en lav rente, og i stedet har låneudbyderne så tjent på at skrue gevaldigt op for gebyr og lignende især på markedet for online kviklån.
Hvis du ønsker at finde det billigste kviklån, så er det ÅOP du skal holde øje med. Det viser de årlige omkostninger i procent. Grunden til at det netop er dette tal du skal kigge på, skyldes ganske simpelt at alle omkostninger i forbindelse med lånet tages med.
Slut med ekstremt høje renter
Indtil midten af 2020 var det muligt for låneudbyderne selv at bestemme hvilken rente de forlangte på deres lån. Det resulterede i at en række firmaer tog en ekstrem høj ÅOP, og i enkelte tilfælde kunne ÅOP ligge på ca. 800 %. Dette var med til at sætte online lån i et dårligt lys, selvom en lang række af firmaer tilbød fornuftige forhold.
Heldigvis ændrede politikkerne loven i midten af 2020, hvilket betød at det ikke længere var muligt at tage mere end 35% i ÅOP. Det blev samtidig bestemt at hvis man ønskede at markedsføre sine lån, så måtte ÅOP maksimum være 25%. Denne beslutning har været positiv for alle. For det første er lånerne sikret imod ikke at blive snydt, og samtidig har politikkerne blåstemplet markedet for online lån, hvilket er positivt for dem der altid har tilbudt lån på rimelige vilkår.
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