Der er nok mange, der kender til problemet med at det kan være svært at spare sammen. Ikke mindst hvis man står og mangler 20.000 kroner til nye møbler. Lad det være sagt med det samme, det kan naturligvis altid bedre betale sig økonomisk, at man sparer sammen til det man gerne vil have frem for at låne pengene. Når det så er sagt, så findes der også muligheder for at låne, uden at man bliver komplet flået af det.
Der er nogle selskaber, der tager tårnhøje renter, og hvor man ender med at betale det tilbage, man har lånt mange gange. At låne 20.000 kan således lige pludselig kommer til at koste 60, 70 eller 80.000 kroner. Det siger sig selv, at dette er en rigtig dårlig ide. Inden man låner penge, er det derfor en rigtig ide, for ikke at sige en helt essentiel ting, at man undersøger lånet inden.
Der findes heldigvis en hel del hjemmesider, hvor ma kan sammenligne låne og tjekke hvor meget man helt reelt kommer til at betale tilbage, hvis man skal låne penge. Her kan man meget nemt så hvornår noget er rimeligt, og hvornår det er alt andet end det. Man bør altid kigge på ÅOP og ikke bare på den rente, der lige står først for.
At låne til møbler, er et forbrugslån, og dette er stort set altid dyrere end at skulle låne til eksempelvis en bil eller til boligens mere fysiske rammer. Der er dog den fordel ved at låne til designermøbler, at hvis man køber det rigtige så falder de ikke i værdi. Ofte når man låner penge til noget, som elektronik, biler og meget andet, så forringes værdien lynhurtigt. Sådan er det ikke med designermøbler, og derfor kan det være en fornuftig ide, hvis man ellers vælger et lån med lave renter.
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