{"id":777,"date":"2023-03-15T21:29:57","date_gmt":"2023-03-15T21:29:57","guid":{"rendered":"https:\/\/finanseiendom.no\/v2\/nyttige-tips\/?p=777"},"modified":"2023-05-05T12:45:46","modified_gmt":"2023-05-05T12:45:46","slug":"refinansiering-av-gjeld","status":"publish","type":"post","link":"https:\/\/finanseiendom.no\/nyttige-tips\/refinansiering-av-gjeld\/","title":{"rendered":"Refinansiering av gjeld"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"777\" class=\"elementor elementor-777\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bcd2bc7 elementor-section-full_width elementor-section-height-min-height elementor-section-height-default elementor-section-items-middle\" data-id=\"bcd2bc7\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-446371f\" data-id=\"446371f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-36cc138 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"36cc138\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2dd7b87\" data-id=\"2dd7b87\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b1de90e elementor-widget elementor-widget-heading\" data-id=\"b1de90e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\"><span class=\"text-blog\">Refinansiering\n<\/span>av gjeld \n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de74fa1 elementor-widget elementor-widget-heading\" data-id=\"de74fa1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Refinansiering av gjeld er et av de viktigste grepene du kan gj\u00f8re for \u00e5 f\u00e5 orden p\u00e5 \u00f8konomien, og s\u00f8rge for \u00e5 bli kvitt h\u00f8ye rentekostnader. Spesielt n\u00e5r det gjelder kredittkortgjeld er det mye penger \u00e5 spare da rentene ofte er skyh\u00f8ye i forhold til andre typer l\u00e5n.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a91935e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a91935e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-97f5adf\" data-id=\"97f5adf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-851e417 elementor-widget elementor-widget-heading\" data-id=\"851e417\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Trenger du \u00e5 refinansiere?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3719a7 elementor-widget elementor-widget-text-editor\" data-id=\"f3719a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Kredittkort er veldig praktiske da man f\u00e5r en ekstra kreditt som kan benyttes gratis s\u00e5 lenge man betaler tilbake pengene, vanligvis innen 30-45 dager. I tillegg kan kredittkort gi mange fordeler som reiseforsikring og bonuspoeng hos flyselskaper. I visse situasjoner er det dessuten umulig \u00e5 unng\u00e5 \u00e5 benytte kredittkort, som f.eks. ved bestilling av leiebil i utlandet. Benytter man kredittkort p\u00e5 vanlig m\u00e5te og stort sett betaler tilbake kreditten ved forfall, er det derfor ingen grunn til \u00e5 vurdere refinansiering av gjeld.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1f11c86 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1f11c86\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-364cd67\" data-id=\"364cd67\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64bcb29 elementor-widget elementor-widget-heading\" data-id=\"64bcb29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">N\u00e5r kan refinansiering av gjeld l\u00f8nne seg?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28e674f elementor-widget elementor-widget-text-editor\" data-id=\"28e674f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Problemene med kredittkort oppst\u00e5r n\u00e5r du ikke betaler tilbake kreditten innen fristen slik at rentene begynner \u00e5 l\u00f8pe. Se for deg at du har et kredittkort med gjeld p\u00e5 80 000 og betaler en rente p\u00e5 30% per \u00e5r. P\u00e5 et \u00e5r betaler du hele 24 000 kroner bare i renter. I tillegg kommer avdragene. Ved <a href=\"https:\/\/finanseiendom.no\/nyttige-tips\/refinansiering-av-lan\/\"><span style=\"color: #33cccc;\"><strong>refinansiering <\/strong><\/span><\/a>av gjeld vil du kunne samle sm\u00e5l\u00e5nene dine i et st\u00f8rre forbruksl\u00e5n og redusere renten til mellom 5% og 15%. P\u00e5 denne m\u00e5ten kan du halvere renteutgiftene i forhold til \u00e5 fortsette \u00e5 betale tilbake r\u00e5dyr kredittkortgjeld.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a70dc5c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a70dc5c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d563790\" data-id=\"d563790\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f8fae31 elementor-widget elementor-widget-heading\" data-id=\"f8fae31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Derfor b\u00f8r du refinansiere gjeld knyttet til kredittkort<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a8e1ce elementor-widget elementor-widget-text-editor\" data-id=\"5a8e1ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>P\u00e5 grunn av de skyh\u00f8ye rentene b\u00f8r man betale tilbake kredittkortgjeld s\u00e5 raskt som mulig. Dersom du sliter med denne typen gjeld fra et eller flere kredittkort, b\u00f8r du vurdere de f\u00f8lgende fordelene knyttet til refinansiering av gjeld:<\/p><ul><li><u>Faste m\u00e5nedlige avdrag:<\/u> I stedet for at kredittkortregningene str\u00f8mmer p\u00e5 med forskjellige forfallsdatoer, f\u00e5r du et enkelt m\u00e5nedlige avdrag \u00e5 forholde deg til.<\/li><li><u>Sinnsro:<\/u> N\u00e5r du samler all gjelden i et enkeltst\u00e5ende l\u00e5n gj\u00f8r det naturlig nok enklere \u00e5 holde oversikt over \u00f8konomien, slik at du ikke bruker mer penger enn du har r\u00e5d til. P\u00e5 denne m\u00e5ten kan det \u00e5 refinansiere gjeld s\u00f8rge for at du slipper \u00e5 engste deg uforutsette avdrag og utgifter.<\/li><li><u>Lavere rente:<\/u> Selv om et samlel\u00e5n uten sikkerhet vil gi h\u00f8yere rente enn f.eks. boligl\u00e5n vil du kunne regne med \u00e5 spare betydelige bel\u00f8p sammenliknet med \u00e5 betale p\u00e5 kredittkortgjeld. Dermed reduserer du de m\u00e5nedlige kostnadene og f\u00e5r bedre \u00f8konomi totalt sett.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-beebbee elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"beebbee\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-01135a5\" data-id=\"01135a5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9800f64 elementor-widget elementor-widget-heading\" data-id=\"9800f64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Hvordan kommer jeg i gang med refinansiering av gjeld?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a80010 elementor-widget elementor-widget-text-editor\" data-id=\"1a80010\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Du b\u00f8r starte med \u00e5 lage en oversikt over all gjelden din, slik at du enkelt kan fylle i s\u00f8knadene til hver enkelt l\u00e5ngiver. Det finnes en rekke akt\u00f8rer som har spesialisert seg p\u00e5 refinansiering av gjeld, og det l\u00f8nner seg \u00e5 sammenlikne flere tilbud f\u00f8r man inng\u00e5r avtale. Husk at du vil bli bedt om \u00e5 legge ved dokumentasjon som l\u00f8nnsslipper og skattemelding. Dersom du har hatt vanskeligheter med \u00e5 betale gjelden din er det dessuten viktig at du ikke refinansierer gjeld ved \u00e5 l\u00e5ne mer enn hva du faktisk har i utest\u00e5ende gjeld.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-87f4ccb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"87f4ccb\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-87a6ac5\" data-id=\"87a6ac5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ab555d5 elementor-widget elementor-widget-heading\" data-id=\"ab555d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Hva skjer etter at refinansieringsavtalen er inng\u00e5tt?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f37605b elementor-widget elementor-widget-text-editor\" data-id=\"f37605b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L\u00e5ngiver vil gj\u00f8re det meste av ryddejobben for deg ved at gjeldspostene blir betalt med det nye l\u00e5nebel\u00f8pet. Dette er noe tilbydere av refinansieringsl\u00e5n gj\u00f8r for \u00e5 redusere risikoen for at du benytter det nye l\u00e5net til andre form\u00e5l enn \u00e5 betale tilbake gjeld. N\u00e5r den gamle gjelden er betalt tilbake vil du dermed kun m\u00e5tte forholde deg til m\u00e5nedlige avdrag p\u00e5 det nye l\u00e5net.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e3ce4f4 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e3ce4f4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-09caca2\" data-id=\"09caca2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4bfd7a9 elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"4bfd7a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/finanseiendom.no\/sok-om\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">S\u00f8k refinansiering<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c38c8ac\" data-id=\"c38c8ac\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d9d5dc elementor-widget elementor-widget-image\" data-id=\"5d9d5dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/no.trustpilot.com\/review\/finanseiendom.no\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"229\" height=\"104\" src=\"https:\/\/finanseiendom.no\/nyttige-tips\/wp-content\/uploads\/2023\/02\/trustpilot.png\" class=\"attachment-large size-large wp-image-482\" alt=\"trustpilot\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e0551c0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e0551c0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;waves&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7\n\tc23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4\n\tc21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-42a06eb\" data-id=\"42a06eb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3cc40d3 elementor-widget elementor-widget-heading\" data-id=\"3cc40d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Nyttige artikler og tips<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bafbff9 elementor-widget elementor-widget-dladdons-blog-grid\" data-id=\"bafbff9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"dladdons-blog-grid.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"dl_grid_row  dl__blog--grid-wrapper\">\r\n    <div class=\"dl__blog--grid-inner\" data-page=\"777\">\r\n                <div class=\"blog-grid-item\">\r\n            <div class=\"dl_pro_blog_grid_widget default_layout\">\r\n                        <a href=\"https:\/\/finanseiendom.no\/nyttige-tips\/lan-med-betalingsanmerkning-med-variabel-inntekt\/\" target=\"_blank\" class=\"dl_single_blog_img\">\r\n            <img decoding=\"async\" src=\"https:\/\/finanseiendom.no\/nyttige-tips\/wp-content\/uploads\/2024\/01\/Hvordan-fungerer-kassekreditt.webp\" title=\"Hvordan fungerer kassekreditt\" alt=\"Hvordan fungerer kassekreditt, L\u00e5n med betalingsanmerkning med variabel inntekt\" loading=\"lazy\" \/>        <\/a>\r\n\r\n                        <div class=\"dl_single_info_box_content\">\r\n                            <span class=\"droit-blog-entry-category\">\r\n        aktuelt        <\/span>\r\n                <a href=\"https:\/\/finanseiendom.no\/nyttige-tips\/lan-med-betalingsanmerkning-med-variabel-inntekt\/\" target=\"_blank\">\r\n            <h3 class=\"droit-blog-grid-entry-title dl_title\">\r\n\t\t\t\tL\u00e5n med betalingsanmerkning med variabel inntekt \u2013 slik f\u00e5r du ja                <\/h3>\r\n\t\t\t<\/a>\r\n                        <\/div>\r\n            <\/div>\r\n        <\/div>\r\n                <div class=\"blog-grid-item\">\r\n            <div class=\"dl_pro_blog_grid_widget default_layout\">\r\n                        <a href=\"https:\/\/finanseiendom.no\/nyttige-tips\/hjelp-til-refinansiering-samlivsbrudd-og-utleggstrekk\/\" target=\"_blank\" class=\"dl_single_blog_img\">\r\n            <img decoding=\"async\" src=\"https:\/\/finanseiendom.no\/nyttige-tips\/wp-content\/uploads\/2025\/08\/Refinansiere-boliglan.jpg\" title=\"Refinansiere boligla\u030an\" alt=\"Refinansiere boligl\u00e5n, hjelp til refinansiering\" loading=\"lazy\" \/>        <\/a>\r\n\r\n                        <div class=\"dl_single_info_box_content\">\r\n                            <span class=\"droit-blog-entry-category\">\r\n        aktuelt        <\/span>\r\n                <a href=\"https:\/\/finanseiendom.no\/nyttige-tips\/hjelp-til-refinansiering-samlivsbrudd-og-utleggstrekk\/\" target=\"_blank\">\r\n            <h3 class=\"droit-blog-grid-entry-title dl_title droit-blog-grid-entry-title dl_title\">\r\n\t\t\t\tHjelp til refinansiering ved samlivsbrudd og utleggstrekk                <\/h3>\r\n\t\t\t<\/a>\r\n                        <\/div>\r\n            <\/div>\r\n        <\/div>\r\n                <div class=\"blog-grid-item\">\r\n            <div class=\"dl_pro_blog_grid_widget default_layout\">\r\n                        <a href=\"https:\/\/finanseiendom.no\/nyttige-tips\/kredittscore-7-raske-grep\/\" target=\"_blank\" class=\"dl_single_blog_img\">\r\n            <img decoding=\"async\" src=\"https:\/\/finanseiendom.no\/nyttige-tips\/wp-content\/uploads\/2026\/02\/7-grep-for-bedre-kredittscore.png\" title=\"7 grep for bedre kredittscore\" alt=\"7 grep for bedre kredittscore\" loading=\"lazy\" \/>        <\/a>\r\n\r\n                        <div class=\"dl_single_info_box_content\">\r\n                            <span class=\"droit-blog-entry-category\">\r\n        aktuelt        <\/span>\r\n                <a href=\"https:\/\/finanseiendom.no\/nyttige-tips\/kredittscore-7-raske-grep\/\" target=\"_blank\">\r\n            <h3 class=\"droit-blog-grid-entry-title dl_title droit-blog-grid-entry-title dl_title droit-blog-grid-entry-title dl_title\">\r\n\t\t\t\tKredittscore \u2013 7 raske grep som \u00f8ker sjansen for boligl\u00e5n                <\/h3>\r\n\t\t\t<\/a>\r\n                        <\/div>\r\n            <\/div>\r\n        <\/div>\r\n            <\/div>\r\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Refinansiering av gjeld Refinansiering av gjeld er et av de viktigste grepene du kan gj\u00f8re for \u00e5 f\u00e5 orden p\u00e5 \u00f8konomien, og s\u00f8rge for \u00e5 bli kvitt h\u00f8ye rentekostnader. Spesielt n\u00e5r det gjelder kredittkortgjeld er det mye penger \u00e5 spare da rentene ofte er skyh\u00f8ye i forhold til andre typer l\u00e5n. Trenger du \u00e5 refinansiere?&#8230;<\/p>\n","protected":false},"author":2,"featured_media":816,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-777","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-refinansiering-med-sikkerhet"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Refinansiering av gjeld - Finanseiendom<\/title>\n<meta name=\"description\" content=\"Refinansiering av gjeld er et av de viktigste grepene du kan gj\u00f8re for \u00e5 f\u00e5 orden p\u00e5 \u00f8konomien, og s\u00f8rge for \u00e5 bli kvitt h\u00f8ye rentekostnader.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/finanseiendom.no\/nyttige-tips\/refinansiering-av-gjeld\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Refinansiering av gjeld - 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