Hvor vælger vi det bedste bådlån?
Hvor vælger vi det bedste bådlån?
Er du på eftersøgning efter en hel ny bil eller vil have byttet den ældre ud med en miljøvenlig, men har ej likviderne til det? Så kan et billån være en stærk valg for dig. Når du bør have et billån er der som regel to muligheder ; om det skal være med eller uden sikkerhed i bilen. Differensen på de 2 er at långiveren kan give billån med sikkerhed i bilen, hvor der så tinglyses pant i bilen, det vil sige långiveren har delvist ejerskab i bilen. Det vil altså sige, at hvis man som låneren ej overholder betalingsforpligtelserne, der er ved billånet kan långiveren gøre krav på bilen og sælge den for dermed at kunne indfri det billån man har optaget. Det kan være en optimal løsning, hvis du overbevist om at man kan indfrie sine betalingsbetingelser over tiden, da det her for det meste kan være billigere for låneren at tage dette billån. Da renten over låneperioden tit er billigere.
Afgørende elementer at være opmærksom på, hvis du tager et billån
De 2 smarte faktorer du skal se på, hvis du skal underskrive et bådlån er lånebeløbet og løbeperioden. Lånebeløbet er det beløb i Kr man låner af giveren for at kunne købe motorcyklen. Løbetiden er den længden på lånet, som lånet skal afdrages over. Lånebeløbet er dermed den mængde likvider man bør benytte til erhvervelsen af båden. Så det er noget man selv kan reguleres på alt efter af hvilken bil du ender med at købe. Løbetiden kan på samme måde justeres afhændig hvor mange penge du har råd til at afdrage bådlånet på månedligbasis. MC lånet kan derved blive dyrere ved at du har en længere afdragsperiode.
Hvor bør en påbegynde ens MC lån?
Hvis du skal afgøre hvor man bør tage sit MC lån er det afgørende at kigge på den individuelle rente på det bådlån I ønsker. Fx, hvis man går og skal have en ny billån er det klogt at have overblik over om man har penge til at starte det bådlån. En klog måde at holde overblik er at tage en snak med sin bank for at høre hvordan din likvider ser ud og hvad en har økonomi til. Her kan man naturligvis justere det en smule alt efter om du ser sin ønske båd og så kan du hæve det en my. Det er selvfølgelig at beslutte noget, som man kan afbetale på længere sigt. Hvis du skal vælge hvordan ens billån skal være er det dejligt at vide hvor mange likvider man har i sit månedlige budget til at betale af på det pågældende billån.
Ny eller gammel bil
Det er intelligent at du har med i beregningen den normale værdi nedsættelse som båden får med tiden. Og om man kan komme ud af et for stort MC lån, for når båden har erhvervet sig så høj en værdiforringelse, så man ikke kan slippe ud af billånet ved at sælge den. Sidder du og betaler for ingenting og det er naturligvis det du helst vil undgå. Derfor er det vigtigt, at du ved at det er denne motorcykel du vil have over en længere tid. Ved en ny bilen tilkommer de den største værdinedsættelse, hvis båden kører fra forhandleren. Derfra falder den ikke så stejlt i vurdering. Når du kigger på en ældre båd, som er brugt eller andet er det afgørende at man for tjekket standen af motorcyklen.
Så når du træffer at afbetale bådlånet over 10 år, men du sælger båd efter 5 år, så afbetaler du måske på en motorcykel du ikke mere har, hvilket ej er klogt.
Hvis du fx skal købe en motorcykel og derfor har brug for et bådlån, så er der flere regler for at du kan påbegynde et MC lån. Man skal være fyldt enogtyve år gammel, man bør have en årlig indtjening på 180.000 DKK
Som lånoptager er der to løsninger i forhold til om det bør være med eller uden udbetaling, altså, at man betaler en andel af det fulde beløb fra start af. Mange långivere kræver i dag, at du lægger 10-tyve % af det hele beløb af fra starten af købet af en ny båd.
Det kan være meget klogt at få tilbud fra flere forskellige lånudbydere forinden man påtager et valg om hvor du bør optage sit bådlån henne, da der som tit er en variation.
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