Hvad er forskellen mellem online lån og banklån?

Du har helt sikkert opdaget, at man kan få lån online over det hele. Det er dog ikke alle, der ved, hvad forskellen er mellem de lån, du kan få online, og lån i en fysisk bank. Her kan du læse mere om, hvordan onlinelån fungerer, og hvad der er forskellen mellem onlinelån og banklån?  

Flere betydelige forskelle 

Der er faktisk ikke kun en ting der skelner onlinelån fra banklån. Der er flere betydelige forskelle, men de bliver faktisk mindre og mindre. Det skal vi kigge lidt nærmere på.  

Når du låner penge i en fysisk bank, så er den mest påfaldende forskel, at der stilles meget højere krav til dig som låntager, når du skal låne penge i banken. Mange forbrugere oplever også, at banken ønsker større kontrol over, hvad man vælger at bruge de penge man låner til. I tillæg, skal man i langt de fleste tilfælde kunne stille sikkerhed for lånet. Det vil sige, at man skal kunne give banken en sikkerhed i form af pant i ejendom eller andre betydelige værdigenstande, i tilfælde af, at man ikke kan overholde sin låneaftale.  

Onlinelån er lån uden sikkerhed  

Sådan fungerer det slet ikke, når man låner online. Da låner man uden sikkerhed, og det vil sige at man ikke skal stille nogen sikkerhed for det beløb man ønsker at låne. Lån 10000 kr I dag uden sikkerhed, og find det lån der passer bedst til dine behov. Mange oplever også at det er nemmere at blive godkendt til et onlinelån, men de er også lidt dyrere. Det er fordi vi kommer tilbage til det her med sikkerhed.  

Når lånestedet ikke kan få sikkerhed i noget du ejer, så skal de skaffe sig sikkerhed på andet vis. Det kan for eksempel være gennem højere og renter og gebyrer, så banken stadig er sikret at få sine penge, hvis du ikke overholder din låneaftale. Det er også årsagen til, at det hurtigt kan blive ret dyrt, hvis man overskrider betalingsfristen på sit kviklån

Det der er den store fordel med at låne uden sikkerhed, er at man ikke behøver at opgive, hvad man skal bruge sit lån til.  

Man skal være ærlig med sig selv, inden man låner. Banken stiller høje krav når du låner i en fysisk bank, for at sikre at du har økonomi til at klare lånet. Det har onlinebanker ikke gjort i samme grad, men dette er i færd med at ændre dig. Med tiden, vil onlinebankerne også blive endnu mere ansvarlige, og udviklingen tilsiger, med nye lover og reguleringer, at de vil ligne mere og mere på fysiske banklån.  

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