{"id":68771,"date":"2025-10-31T09:11:17","date_gmt":"2025-10-31T09:11:17","guid":{"rendered":"https:\/\/www.europesays.com\/se\/68771\/"},"modified":"2025-10-31T09:11:17","modified_gmt":"2025-10-31T09:11:17","slug":"billan-ar-egentligen-blancolan-ingen-sakerhet-tusenlappar-dyrare","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/se\/68771\/","title":{"rendered":"Bill\u00e5n \u00e4r egentligen blancol\u00e5n: &#8221;Ingen s\u00e4kerhet, tusenlappar dyrare&#8221;"},"content":{"rendered":"<p>En granskning fr\u00e5n <a href=\"https:\/\/www.privataaffarer.se\/privatekonomi\/bilar\/genomgang-billanen-som-kan-bli-tusentals-kronor-dyrare\/\" rel=\"nofollow noopener\" target=\"_blank\">Privata Aff\u00e4rer<\/a> visar att bland annat SBAB och Ikano Bank marknadsf\u00f6r l\u00e5n f\u00f6r bilk\u00f6p som \u201dbill\u00e5n\u201d, trots att fordonet inte anv\u00e4nds som s\u00e4kerhet. Det betyder att l\u00e5nen i sj\u00e4lva verket \u00e4r blancol\u00e5n, n\u00e5got som kan ge tusentals kronor h\u00f6gre r\u00e4ntekostnader per \u00e5r.<\/p>\n<p>Bilen i reklamen<\/p>\n<p>Och bilen som omn\u00e4mns i reklamen utg\u00f6r ingen s\u00e4kerhet f\u00f6r l\u00e5net.<\/p>\n<p>N\u00e4r avdragsr\u00e4tten f\u00f6r r\u00e4ntor p\u00e5 privatl\u00e5n halverades fr\u00e5n 30 till 15 procent vid \u00e5rsskiftet, och f\u00f6rsvinner helt 2026, blir skillnaden \u00e4nnu tydligare. Enligt tidningens r\u00e4kneexempel kan kostnaden f\u00f6r ett typiskt \u201dbill\u00e5n\u201d stiga med flera tusenlappar per \u00e5r vid en r\u00e4nta p\u00e5 omkring sju procent.<\/p>\n<p>Bankerna f\u00f6rsvarar begreppet bill\u00e5n<\/p>\n<p>SBAB:s presschef Catharina Henriksson s\u00e4ger att banken inte f\u00e5tt n\u00e5gra klagom\u00e5l, men medger att kommunikationen kan f\u00f6rb\u00e4ttras.<\/p>\n<p>\u201cVi vill upplysa om att vi \u00e4ven finansierar fordonsk\u00f6p. Det \u00e4r viktigt att kunderna f\u00e5r information om l\u00e5nevillkoren och avdragsm\u00f6jligheterna\u201d, s\u00e4ger hon till Privata Aff\u00e4rer.<\/p>\n<p>\u00c4ven Ikano Bank uppger att de \u00e4r tydliga med att det r\u00f6r sig om privatl\u00e5n, men \u00f6ppnar f\u00f6r f\u00f6rb\u00e4ttringar.<\/p>\n<p>\u201cVi ser att vi kan bli \u00e4nnu tydligare med att det \u00e4r ett l\u00e5n utan s\u00e4kerhet. Det tar vi till oss\u201d, s\u00e4ger Ikanos kommunikationschef <strong>Katarina Erichs Emilson<\/strong> till tidningen.<\/p>\n<p>Konsumentvarning: \u201dL\u00e5ter som en sk\u00e4nk fr\u00e5n ovan\u201d<\/p>\n<p>Enligt M Sveriges expert Carl-Erik Stjernvall \u00e4r det vanligt att kunder erbjuds privatl\u00e5n \u00e4ven f\u00f6r kontantinsatsen.<\/p>\n<p>\u201cF\u00f6r den som k\u00e4mpat ihop sin insats kan det l\u00e5ta som en sk\u00e4nk fr\u00e5n ovan. Men man riskerar att l\u00e5sa in sig i dyra l\u00e5n\u201d, s\u00e4ger han till Privata Aff\u00e4rer.<\/p>\n<p>L\u00e4s mer om ekonomi:<\/p>\n<p><a href=\"https:\/\/www.news55.se\/tv\/pensionsexpert-varnar-allman-pension-under-halften-av-slutlonen\/\" rel=\"nofollow noopener\" target=\"_blank\">Pensionsexpert varnar: Allm\u00e4n pension under h\u00e4lften av slutl\u00f6nen<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"En granskning fr\u00e5n Privata Aff\u00e4rer visar att bland annat SBAB och Ikano Bank marknadsf\u00f6r l\u00e5n f\u00f6r bilk\u00f6p som&hellip;\n","protected":false},"author":2,"featured_media":68772,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[5622,72,70,71,6300,6301,349,34,31,33,32,30],"class_list":{"0":"post-68771","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ekonomi","8":"tag-bil","9":"tag-business","10":"tag-economy","11":"tag-ekonomi","12":"tag-fordon","13":"tag-lan","14":"tag-privatekonomi","15":"tag-se","16":"tag-svenska","17":"tag-sverige","18":"tag-sweden","19":"tag-swedish"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@se\/115468008432862769","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/68771","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/comments?post=68771"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/68771\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media\/68772"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media?parent=68771"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/categories?post=68771"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/tags?post=68771"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}