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Most banks in Denmark that offer consumer loans offer you the loan without the need for security. But what does it really mean and is it a good idea?

Securing a loan means that the at banken som yder dig lånet that grants you the loan is entitled to one or more of your items if you do not pay your monthly payment. That way, the bank will be able to take over your item and have the opportunity to sell it further to get the money you have not paid back.

Security is always seen in connection with car loans and mortgages. When you buy a home or a car, the rights to either the car or the home of de fleste banker i Danmark will lend you the money if you can not or will not pay off the loan.

Most banks offer unsecured låna upp till 50 000 kr, which means they do not interfere with what you spend the money on. At the same time, they will not be entitled to any of your possessions if you do not pay, but they can send you to debt collection and the authorities who then handle the case. Therefore, you can not get rid of your loan, so it's important that you do not raise a loan that you can not afford sikkerhedsstillelse ses altid i forbindelse med billån og boliglån.

Netbank, NemID and Betalingsservice

When you apply for a loan through Lån-365.dk, it works quite easily that you verify with Easy ID. Nothing with papers back and forth - it all happens online with your Easy ID and your online banking.

If you have approved your loan application by one or more banks, you will pay the money directly to your own bank account, why you usually log in to your online bank and spend the money a few days after your loan application is approved.

Remember, at Lån penge billigt, we always recommend that you sign up for your payment service, so you do not forget to deduct them, and you will have to pay additional loan costs. In addition, you will also need a monthly fee to pay if you pay with a giro card.

Did you not approve your loan application?

Once you have submitted your loan application through Lån-365.dk, the banks make a credit rating of your personal loan ratios. If your credit rating is negative and you are denied the loan, there are usually one reason:

YOU CAN NOT AFFORD THE LOAN, SO IT'S BEST FOR YOU NOT TO BORROW MONEY.

Therefore, you should not look for loans elsewhere, but rather save money or med dine nuværende kreditorer om en aftale.

Of course, there may be other reasons, but in most cases you will be told.

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