You have probably realized that it is difficult to get a loan? It is clear that the Norwegian banks have become more stringent. In recent years, we have seen that many countries are struggling financially and that there has been a severe upheaval for their citizens.
To avoid similar conditions here in Norway
Banks have tightened somewhat on the rules for obtaining loans, especially this loan with no collateral. Previously, banks could lend money over a low shoe, but then they were also more confident that people had the opportunity to pay back. The financial crisis in 2008 has affected the economy to many, and for many, payment problems are a major part of everyday life.
After this crisis, the banks tightened. They got tighter requirements and lent lower amounts. The upper limit for consumer loans is usually NOK 250,000 these days. If you have good finances and willingness to pay, a consumer loan of NOK 250,000 is not a problem for you.
If, on the other hand
You have a poorer economy and you know that you are going to have payment problems, you should reconsider consumer loans. If you are in dire need, you should very much set up a budget, possibly talk to a financial advisor who will help you take out a loan you can repay. At www.låne.as you can read more about borrowing money online and apply easily.
For example, if you have many bills that have passed maturity, it may be financially smart for you to take out a consumer loan to get rid of these bills before going to debt collection. Debt collection creates a lot of concern and gives you payment notes. This will not walk you positively.
Refinancing is smart
If you have several small loans and credit card debt in different banks. A refinance will collect all of these loans and in most cases you will save money because you pay fewer fees. Check the opportunities you have with the various banks.
If you want to take out a consumer loan today, there are several factors to consider. Banks have tightened their requirements. You will more easily get a loan if you pledge collateral in real estate or a guarantor / co-borrower. You should be sure that you are able to repay a consumer loan, no matter how large the amount is.