De generelle kravene for lån av penger

Om du kan oppfylle nedenstående krav, så er du et godt stykke på vei til å få godkjent en lånesøknad:

  1. Du må ikke ha noen betalingsanmerkninger
  2. Du har fast adresse i Norge
  3. Du har fylt 18 år, men de fleste bankene har 20 års aldersgrense
  4. Du har en inntekt på minimum kr 120 000 i året
  5. Du er norsk eller har bodd i Norge i minst tre år

Når du søker om et forbrukslån så vil banken gjennomføre en kredittvurdering. Det er denne som avgjør om du får innvilget lånet samt hvor mye du må betale i rente. Her ser banken på økonomien din og ut fra denne får du en såkalt kredittscore. Det er denne banken bruker til å bestemme betingelsene på lånet. Derfor er det viktig at du får en god kredittscore om du ønsker å betale et lån med en fornuftig rente. Banken bruker som utgangspunkt de opplysninger du har oppgitt i søknaden din og sjekker disse mot de offentlige registrene. Du må derfor være oppriktig når du fyller ut søknadsskjemaet, da tallene blir kontrollert. Men har du nylig fått ny jobb med bedre lønn eller fått lønnsforhøyelse, så bør du notere dette da banken kun har tilgang til fjorårets tall. Jo høyere inntekt, desto større er sjansen for en lavere rente.
Når du søker, så lønner det seg å søke hos flere banker på samme tid eller bruke låneformidleren KapitalKassen. Ved å få tilsendt flere tilbud om et forbrukslån kan du sammenligne betingelsene og velge det lånet som er rimeligst.

Kostnader

Den laveste renten du kan få på et forbrukslån ligger på rundt 7,9 % nominell rente. I tillegg til renten må du betale et etableringsgebyr for opprettelse av lånet og dette vil typisk være på mellom kr 450 og opptil kr 1000. Dette beløpet legges til lånet. Det er også vanlig at det legges til et termingebyr på rundt kr 40, og dette er for bankens administrasjon av lånet. Renten og de to gebyrene er de kostnader du må betale på et forbrukslån, men det er selvsagt renten som er det klart dyreste. Det er viktig å være klar over at selv om den laveste renten er på 7,9 % så må de fleste betale mellom 10-14 % i rente. Skal du motta et tilbud om den laveste renten, så krever dette at du har en veldig solid økonomi med en høy inntekt.  En annen ting som spiller inn på renten er hvor lang tid du bruker på nedbetaling av lånet. Mange banker tilbyr inntil 15 års nedbetalingstid, men dette medvirker også til at lånet blir dyrere da renten løper i hele nedbetalingsperioden. Du bør derfor se gjennom økonomien din og finne ut hvor mye du klarer å betale på lånet hver måned. Jo raskere du betaler lånet tilbake, desto mindre betaler du i rente.
Kilde: KapitalKassen Wikipedia

Sarah Michelle Gellar Uses Her Fame for Good

Sarah Michelle Gellar is used to walking the red carpet and fielding reporters’ questions about everything from what she’s wearing to her latest role, but the actress decided it was time to change things up and be the one asking all the questions at the 2014 Film Independent Spirit Awards.

As part of the Unilever Project Sunlight campaign, Gellar interviewed stars like Cate Blanchett, Matthew McConaughey, and Jane Lynch — not about hair, clothes, and jewelry — but about what they’re doing to make the world a better, more sustainable place.

The actress, 36, talked to Parade.com about her vision for a bright future, motherhood, trading quips with Robin Williams on The Crazy Ones, and more.

How was your experience as a red carpet reporter?
“It was such an interesting opportunity. That whole [awards] weekend is such a strange weekend in Los Angeles. I like to think I live in the real world and we have the situation in Ukraine and the awful weather that’s ben happening, and yet all these celebrities are walking down the carpet talking about their nails in the manicure cam, and I think there are a lot of us that have so much more to offer. Cate Blanchett had to talk about her dress and jewelry all weekend, but she was so excited to get to talk to us about living sustainably and providing a better future. She has three children, so she gets it.”

What made you want to get involved with Project Sunlight?
“I love what I do and it’s really fun, but let’s be honest, I’m not curing cancer here as an actress! And if there’s something I can do to better the world we live in than that’s my real purpose. I have two children and my children are going to have children one day hopefully, and we need to protect the world for them and living sustainably is really the only way to do that. We’re all just one person, but when you put us together it’s a pretty incredible group.”

How has motherhood changed you?
“I think you look at the world differently. The one thing I say to people when they’re about to have children is that you go from you being the primary thought in your life to every single second of every day, you’re thinking about these other beings, whether you have one child or six children.”

What are some ways you live sustainably?
“I try to buy locally sustainably food, I’ve always recycled, and one of the first things I did when I moved to Los Angeles was to start a garden so I could grow my own vegetables and eat them. My daughter also has a garden and she grows all her own vegetables. They started show-and-tell at her school and when I asked her what she wanted to bring, she said, ‘I want to bring vegetables from my garden and let all my friends eat them!’”

You also recently wrapped the first season of The Crazy Ones. How has that experience been?
“It was so incredible. I’ve been doing this a long time, but I’ve never had an experience like this. I was able to have my fulltime outside life, separate from what I do, and then come to work and be creative with some of the kindest, nicest, most talented people I’ve ever come across in this business. It’s been such a joy and I pray we can have this conversation after I wrap season 10!”

How do you get through takes with such a funny cast?
“It’s impossible not to laugh. I keep joking that one day we’ll release a crazy DVD of just bloopers. I think it would be hysterical.”

Robin Williams plays your dad on the show. What has it been like working with him?
“I went into it and I’m thinking, ‘Ok, here I am working with Robin Williams, the legend — Juilliard-trained, Oscar winner, one of the top 10n standup comics of all time, but what’s amazing about Robin is that he has no idea that that’s how people see him. He’s just Robin. He’s Uncle Robin to my children and to my husband. He treats everybody on set with the same respect and he goes out of his way to make everybody comfortable. He’s the kindest. There are not enough words to describe the love and adoration that I have for this man.”

You recently snapped a photo with your Buffy the Vampire Slayer costar, David Boreanaz and his Bones costar Emily Deschanel. What’s the story there?
“There’s a connection that David and I will always have and we’ve always remained in touch, but what was so much fun this year was we were working on the same lot, so when I had a break I would walk over and watch them tape a show or try to steal food from Bones catering because they had way better catering than we did. I guess that’s a tenth season kind of thing. And David knows I’m purely motivated by food!”

Sarah Michelle Gellar Joins the Cast of Star Wars Rebels

Disney XD and Lucasfilm announced today that none other than Sarah Michelle Gellar has joined the cast of “Star Wars Revels” in an undisclosed role.

Executive producer Dave Filoni said, “We’re thrilled to have Sarah Michelle Gellar on board for season two. She is a true ‘Star Wars Rebels’ fan and her passion undoubtedly comes through in the voice recording sessions.”

Sarah Michelle Gellar will join a voice cast that includes her husband Freddie Prinze Jr., Vanessa Marshall, Steve Blum, Tiya Sircar, Taylor Gray and David Oyelowo.

Continuing the epic tradition of the legendary “Star Wars” saga, “Star Wars Rebels” unfolds between the events of Star Wars: Episodes III and IV and tells the story of the motley but clever crew of the starship Ghost who together face threatening new villains, encounter colorful adversaries and embark on thrilling adventures. In its second season, “Star Wars Rebels” will feature recurring appearances by fan-favorite characters including Darth Vader and Ahsoka Tano.

The season finale of “Rebels” aired earlier this week, with Season 2 set to debut later this year though attendees of this year’s “Star Wars Celebration” will get to see the premiere episode at the Anaheim event.

Sarah Michelle Gellar Parties on the Pier, Helps Raise $1 Million for Charity

It was the hottest ticket in town Sunday afternoon, both literally and figuratively, as a sold-out crowd of 2,000 descended on the Santa Monica Pier to raise funds for the Mattel Children’s Hospital UCLA. The 16th Annual Mattel Party on the Pier raised a record-breaking $1 million for the charity.

Celebs such as Mark-Paul Gosselaar and Sarah Michelle Gellar, along with their children, were on hand to raise awareness of the work being done at UCLA.

After riding the Ferris wheel with her two moppets, Gellar talked about the amazing work she’s seen first hand at the hospital specifically when she had to rush a friend’s child to the hospital two year ago. It was Dr. Sherin Devaskar who impressed Gellar most with the level of care being offered to patients as well as to their siblings who are often forgotten about. “We need to make sure people like her (Devaskar) can continue to do their work,” Gellar said.

Gellar emphasized that it is important for her children to learn that everyone isn’t as fortunate as them. “If someone were to ask me what is the most important thing about raising children, I would tell them compassion. Because that is how we make changes in our world,” she said.

David Silverman, animator and producer of “The Simpsons,” was also on hand accepting the Dr. of Joy award. “I’m very happy to tell my parents that I’m finally a doctor — be it an honorary one,” he joked. But then talked more seriously about his desire to get involved with helping children and since UCLA is his alma mater he decided the children’s hospital there was a good fit.

Others in attendance dining on Wolfgang Puck fare and hanging out in the L.A. Dodgers sponsored VIP tent included Forrest Wheeler (“Fresh Off the Boat”) and “Girl Meets World” thesps August Maturo, Corey Fogelmanis and Peyton Meyer.