{"id":16059,"date":"2024-04-10T08:15:41","date_gmt":"2024-04-10T07:15:41","guid":{"rendered":"https:\/\/blogg.renteradar.no\/?p=16059"},"modified":"2024-04-10T08:15:42","modified_gmt":"2024-04-10T07:15:42","slug":"serielan-slik-fungerer-det","status":"publish","type":"post","link":"https:\/\/blogg.renteradar.no\/serielan-slik-fungerer-det\/","title":{"rendered":"Seriel\u00e5n &#8211; Slik fungerer det"},"content":{"rendered":"\n<p class=\"ingress\">B\u00f8r du velge seriel\u00e5n eller annuitetsl\u00e5n? Seriel\u00e5n kan v\u00e6re en effektiv og rimeligere metode for nedbetaling av boligl\u00e5n. <a href=\"https:\/\/renteradar.no\/?utm_medium=text&amp;utm_source=blogg&amp;utm_campaign=in_text&amp;utm_content=renteradar_link\" target=\"_blank\" rel=\"noreferrer noopener\">Renteradar<\/a> forklarer hvordan seriel\u00e5n fungerer.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Hva er seriel\u00e5n?<\/h2>\n\n\n\n<p>Seriel\u00e5n er en l\u00e5neform der du betaler ned det samme bel\u00f8pet p\u00e5 l\u00e5net hver m\u00e5ned (om renten er den samme), mens rentebetalingene avtar over tid. Dette er fordi rentekostnadene beregnes av en stadig minkende gjeld. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/renteradar.no\/?utm_medium=display&amp;utm_source=blogg&amp;utm_campaign=snarvei&amp;utm_content=din_snarvei_til_lavere_rente\" target=\"_blank\" rel=\"noreferrer noopener\"><img data-dominant-color=\"d5c9ba\" data-has-transparency=\"true\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/489;--dominant-color: #d5c9ba;\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"489\" data-src=\"https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Display_ad_april-1024x489.png\" alt=\"\" class=\"has-transparency wp-image-16124 lazyload\" data-srcset=\"https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Display_ad_april-1024x489.png 1024w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Display_ad_april-300x143.png 300w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Display_ad_april-768x367.png 768w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Display_ad_april-24x11.png 24w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Display_ad_april-36x17.png 36w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Display_ad_april-48x23.png 48w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Display_ad_april.png 1109w\" data-sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" \/><noscript><img data-dominant-color=\"d5c9ba\" data-has-transparency=\"true\" style=\"--dominant-color: #d5c9ba;\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"489\" src=\"https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Display_ad_april-1024x489.png\" alt=\"\" class=\"has-transparency wp-image-16124\" srcset=\"https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Display_ad_april-1024x489.png 1024w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Display_ad_april-300x143.png 300w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Display_ad_april-768x367.png 768w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Display_ad_april-24x11.png 24w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Display_ad_april-36x17.png 36w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Display_ad_april-48x23.png 48w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Display_ad_april.png 1109w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/noscript><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Er seriel\u00e5n billigere enn annuitetsl\u00e5n?<\/h2>\n\n\n\n<p>Ja, seriel\u00e5n vil v\u00e6re rimeligere enn <a href=\"https:\/\/blogg.renteradar.no\/annuitetslan-eller-serielan-annuitetskalkulator\/\">annuitetsl\u00e5n<\/a>. Det er fordi de totale rentekostnadene blir lavere. Men de fleste velger likevel annuitetsl\u00e5n, fordi det er mer forutsigbart og har lavere totale l\u00e5neutgifter de f\u00f8rste \u00e5rene. Det er fordi du i starten betaler mindre avdrag enn du ville gjort med et seriel\u00e5n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Hvordan f\u00e5 den beste renten p\u00e5 boligl\u00e5net?<\/h2>\n\n\n\n<p>P\u00e5 <a href=\"https:\/\/renteradar.no\/?utm_medium=text&amp;utm_source=blogg&amp;utm_campaign=in_text&amp;utm_content=renteradar_link\" target=\"_blank\" rel=\"noreferrer noopener\">Renteradar<\/a> hjelper vi deg med \u00e5 <a href=\"https:\/\/blogg.renteradar.no\/forhandle-rente-med-banken-renteradar-gjor-jobben\/\">forhandle p\u00e5 renten<\/a> og viser de beste banktilbudene for deg. Vi sammenligner renten du har i dag med markedets beste tilbud og viser deg om hvor mye du kan spare. Med h\u00f8ye boligl\u00e5nsrenter er det et godt tidspunkt \u00e5 sjekke hvor mye du kan spare p\u00e5 boligl\u00e5net ditt. Det gj\u00f8r du enkelt p\u00e5 <a href=\"https:\/\/renteradar.no\/?utm_medium=text&amp;utm_source=blogg&amp;utm_campaign=in_text&amp;utm_content=renteradar_link\" target=\"_blank\" rel=\"noreferrer noopener\">Renteradar<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/renteradar.no\/?utm_medium=display&amp;utm_source=blogg&amp;utm_campaign=mockup&amp;utm_content=landingsside\"><img data-dominant-color=\"7c5c4a\" data-has-transparency=\"false\" style=\"--smush-placeholder-width: 2689px; --smush-placeholder-aspect-ratio: 2689\/1681;--dominant-color: #7c5c4a;\" loading=\"lazy\" decoding=\"async\" width=\"2689\" height=\"1681\" data-src=\"https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Office-environment-and-man-typing-on-a-laptop-mockup-Mockuuups-Studio-edited.png\" alt=\"seriel\u00e5n\" class=\"not-transparent wp-image-16120 lazyload\" data-srcset=\"https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Office-environment-and-man-typing-on-a-laptop-mockup-Mockuuups-Studio-edited.png 2689w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Office-environment-and-man-typing-on-a-laptop-mockup-Mockuuups-Studio-edited-300x188.png 300w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Office-environment-and-man-typing-on-a-laptop-mockup-Mockuuups-Studio-edited-1024x640.png 1024w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Office-environment-and-man-typing-on-a-laptop-mockup-Mockuuups-Studio-edited-768x480.png 768w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Office-environment-and-man-typing-on-a-laptop-mockup-Mockuuups-Studio-edited-1536x960.png 1536w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Office-environment-and-man-typing-on-a-laptop-mockup-Mockuuups-Studio-edited-2048x1280.png 2048w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Office-environment-and-man-typing-on-a-laptop-mockup-Mockuuups-Studio-edited-1850x1157.png 1850w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Office-environment-and-man-typing-on-a-laptop-mockup-Mockuuups-Studio-edited-24x15.png 24w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Office-environment-and-man-typing-on-a-laptop-mockup-Mockuuups-Studio-edited-36x23.png 36w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Office-environment-and-man-typing-on-a-laptop-mockup-Mockuuups-Studio-edited-48x30.png 48w\" data-sizes=\"auto, (max-width: 2689px) 100vw, 2689px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" \/><noscript><img data-dominant-color=\"7c5c4a\" data-has-transparency=\"false\" style=\"--dominant-color: #7c5c4a;\" loading=\"lazy\" decoding=\"async\" width=\"2689\" height=\"1681\" src=\"https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Office-environment-and-man-typing-on-a-laptop-mockup-Mockuuups-Studio-edited.png\" alt=\"seriel\u00e5n\" class=\"not-transparent wp-image-16120\" srcset=\"https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Office-environment-and-man-typing-on-a-laptop-mockup-Mockuuups-Studio-edited.png 2689w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Office-environment-and-man-typing-on-a-laptop-mockup-Mockuuups-Studio-edited-300x188.png 300w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Office-environment-and-man-typing-on-a-laptop-mockup-Mockuuups-Studio-edited-1024x640.png 1024w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Office-environment-and-man-typing-on-a-laptop-mockup-Mockuuups-Studio-edited-768x480.png 768w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Office-environment-and-man-typing-on-a-laptop-mockup-Mockuuups-Studio-edited-1536x960.png 1536w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Office-environment-and-man-typing-on-a-laptop-mockup-Mockuuups-Studio-edited-2048x1280.png 2048w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Office-environment-and-man-typing-on-a-laptop-mockup-Mockuuups-Studio-edited-1850x1157.png 1850w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Office-environment-and-man-typing-on-a-laptop-mockup-Mockuuups-Studio-edited-24x15.png 24w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Office-environment-and-man-typing-on-a-laptop-mockup-Mockuuups-Studio-edited-36x23.png 36w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Office-environment-and-man-typing-on-a-laptop-mockup-Mockuuups-Studio-edited-48x30.png 48w\" sizes=\"auto, (max-width: 2689px) 100vw, 2689px\" \/><\/noscript><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Hvordan fungerer seriel\u00e5n?<\/h2>\n\n\n\n<p>Med seriel\u00e5n betaler du samme sum i avdrag p\u00e5 l\u00e5net hver periode, men rentebetalingene minker etter hvert som gjelden reduseres. Det vil si at de totale m\u00e5nedlige betalingene dine starter h\u00f8yt og s\u00e5 blir gradvis lavere. <\/p>\n\n\n\n<p>Siden du betaler ned p\u00e5 selve l\u00e5nesummen med et fast bel\u00f8p hver periode, og rentene kun beregnes av den gjenv\u00e6rende gjelden, vil rentekostnadene bli lavere for hvert \u00e5r, noe som gj\u00f8r at dine totale \u00e5rlige utgifter synker over tid. Dette gj\u00f8r at mange foretrekker seriel\u00e5n.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-datawrapper wp-block-embed-datawrapper\"><div class=\"wp-block-embed__wrapper\">\n<iframe class=\"wp-embedded-content lazyload\" sandbox=\"allow-scripts\" security=\"restricted\" title=\"Nedbetaling av seriel\u00e5n p\u00e5 4 mill over 25 \u00e5r\" data-src=\"https:\/\/datawrapper.dwcdn.net\/7IVB3\/2\/#?secret=FF5rLdOoHB\" data-secret=\"FF5rLdOoHB\" scrolling=\"no\" frameborder=\"0\" height=\"480\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-load-mode=\"1\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Hvem passer seriel\u00e5n for?<\/h2>\n\n\n\n<p>Seriel\u00e5n passer for de som \u00f8nsker en raskere nedbetaling av gjeld og som har \u00f8konomi til \u00e5 h\u00e5ndtere h\u00f8yere utgifter i starten av l\u00e5neperioden. <\/p>\n\n\n\n<p>Det kan ogs\u00e5 v\u00e6re en l\u00f8sning for personer som n\u00e6rmer seg pensjonsalderen og \u00f8nsker \u00e5 redusere m\u00e5nedlige kostnader i tiden som pensjonist. P\u00e5 samme m\u00e5te kan seriel\u00e5n v\u00e6re fordelaktig for andre som vet at de vil ha en lavere inntekt i fremtiden, enten p\u00e5 grunn av karriereendringer, planlagt nedgang i arbeidstid eller andre ting som kan p\u00e5virke den \u00f8konomiske situasjonen.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Seriel\u00e5n &#8211; Fordeler og ulemper <\/h2>\n\n\n\n<p><strong>Fordeler:<\/strong><\/p>\n\n\n\n<ul>\n<li><strong>Billigere:<\/strong> Du betaler mindre i renter over l\u00e5nets l\u00f8petid fordi restgjelden reduseres raskere enn ved et annuitetsl\u00e5n.<\/li>\n\n\n\n<li><strong>Gjelden minker raskere:<\/strong> \u00c5 se gjelden minke raskere kan v\u00e6re en stor motivasjonsfaktor. Med annuitetsl\u00e5n betaler du mest renter i starten og det tar lengre tid f\u00f8r gjelden reduseres.<\/li>\n<\/ul>\n\n\n\n<p><strong>Ulemper:<\/strong><\/p>\n\n\n\n<ul>\n<li><strong>H\u00f8yere m\u00e5nedlige utgifter i starten:<\/strong> Seriel\u00e5n krever at du betaler mer hver m\u00e5ned i begynnelsen av l\u00e5nets l\u00f8petid. Dette kan v\u00e6re en utfordring hvis \u00f8konomien er trang.<\/li>\n\n\n\n<li><strong>Mindre fleksibilitet:<\/strong> Den h\u00f8yere startkostnaden betyr mindre rom i budsjettet for andre utgifter eller sparing. Dette kan v\u00e6re en ulempe for de som \u00f8nsker eller trenger mer \u00f8konomisk fleksibilitet.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-dominant-color=\"646559\" data-has-transparency=\"false\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/683;--dominant-color: #646559;\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" data-src=\"https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2023\/10\/maarten-zuidhoorn-iJl73RCOdDc-unsplash-1024x683.webp\" alt=\"seriel\u00e5n\" class=\"not-transparent wp-image-15787 lazyload\" data-srcset=\"https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2023\/10\/maarten-zuidhoorn-iJl73RCOdDc-unsplash-1024x683.webp 1024w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2023\/10\/maarten-zuidhoorn-iJl73RCOdDc-unsplash-300x200.webp 300w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2023\/10\/maarten-zuidhoorn-iJl73RCOdDc-unsplash-768x512.webp 768w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2023\/10\/maarten-zuidhoorn-iJl73RCOdDc-unsplash-1536x1024.webp 1536w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2023\/10\/maarten-zuidhoorn-iJl73RCOdDc-unsplash-2048x1365.webp 2048w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2023\/10\/maarten-zuidhoorn-iJl73RCOdDc-unsplash-1850x1233.webp 1850w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2023\/10\/maarten-zuidhoorn-iJl73RCOdDc-unsplash-24x16.webp 24w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2023\/10\/maarten-zuidhoorn-iJl73RCOdDc-unsplash-36x24.webp 36w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2023\/10\/maarten-zuidhoorn-iJl73RCOdDc-unsplash-48x32.webp 48w\" data-sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" \/><noscript><img data-dominant-color=\"646559\" data-has-transparency=\"false\" style=\"--dominant-color: #646559;\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2023\/10\/maarten-zuidhoorn-iJl73RCOdDc-unsplash-1024x683.webp\" alt=\"seriel\u00e5n\" class=\"not-transparent wp-image-15787\" srcset=\"https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2023\/10\/maarten-zuidhoorn-iJl73RCOdDc-unsplash-1024x683.webp 1024w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2023\/10\/maarten-zuidhoorn-iJl73RCOdDc-unsplash-300x200.webp 300w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2023\/10\/maarten-zuidhoorn-iJl73RCOdDc-unsplash-768x512.webp 768w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2023\/10\/maarten-zuidhoorn-iJl73RCOdDc-unsplash-1536x1024.webp 1536w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2023\/10\/maarten-zuidhoorn-iJl73RCOdDc-unsplash-2048x1365.webp 2048w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2023\/10\/maarten-zuidhoorn-iJl73RCOdDc-unsplash-1850x1233.webp 1850w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2023\/10\/maarten-zuidhoorn-iJl73RCOdDc-unsplash-24x16.webp 24w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2023\/10\/maarten-zuidhoorn-iJl73RCOdDc-unsplash-36x24.webp 36w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2023\/10\/maarten-zuidhoorn-iJl73RCOdDc-unsplash-48x32.webp 48w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/noscript><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Seriel\u00e5n vs. annuitetsl\u00e5n<\/h2>\n\n\n\n<p>Med seriel\u00e5n betaler du gradvis mindre i l\u00f8pet av l\u00e5neperioden, mens med annuitetsl\u00e5n betaler du samme bel\u00f8p hver m\u00e5ned (om renten er stabil). De fleste velger annuitetsl\u00e5n fordi nedbetalingen er mer forutsigbar. <\/p>\n\n\n\n<p>Grafene under viser hvordan de ulike l\u00e5netypene nedbetales over l\u00e5neperioden. For annuitetsl\u00e5n er rentene minkene og avdragene \u00f8kende utover perioden. Med seriel\u00e5n vil rentene minke, mens avdragene er like gjennom hele l\u00e5neperioden. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-dominant-color=\"32312e\" data-has-transparency=\"true\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/510;--dominant-color: #32312e;\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"510\" data-src=\"https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Annuitetslan-og-serielan-2-1024x510.png\" alt=\"seriel\u00e5n\" class=\"has-transparency wp-image-16118 lazyload\" data-srcset=\"https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Annuitetslan-og-serielan-2-1024x510.png 1024w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Annuitetslan-og-serielan-2-300x150.png 300w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Annuitetslan-og-serielan-2-768x383.png 768w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Annuitetslan-og-serielan-2-1536x766.png 1536w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Annuitetslan-og-serielan-2-24x12.png 24w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Annuitetslan-og-serielan-2-36x18.png 36w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Annuitetslan-og-serielan-2-48x24.png 48w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Annuitetslan-og-serielan-2.png 1559w\" data-sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" \/><noscript><img data-dominant-color=\"32312e\" data-has-transparency=\"true\" style=\"--dominant-color: #32312e;\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"510\" src=\"https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Annuitetslan-og-serielan-2-1024x510.png\" alt=\"seriel\u00e5n\" class=\"has-transparency wp-image-16118\" srcset=\"https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Annuitetslan-og-serielan-2-1024x510.png 1024w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Annuitetslan-og-serielan-2-300x150.png 300w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Annuitetslan-og-serielan-2-768x383.png 768w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Annuitetslan-og-serielan-2-1536x766.png 1536w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Annuitetslan-og-serielan-2-24x12.png 24w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Annuitetslan-og-serielan-2-36x18.png 36w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Annuitetslan-og-serielan-2-48x24.png 48w, https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Annuitetslan-og-serielan-2.png 1559w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/noscript><\/figure>\n\n\n\n<p><strong>Tips!<\/strong>&nbsp;Har du \u00f8konomi til \u00e5 betale de m\u00e5nedlige bel\u00f8pene som seriel\u00e5n starter med, kan det l\u00f8nne seg \u00e5 heller velge et annuitetsl\u00e5n med kortere nedbetalingstid. Da vil du betale mindre renter totalt sett. Sjekk selv p\u00e5 v\u00e5r&nbsp;<a href=\"https:\/\/blogg.renteradar.no\/annuitetslan-kalkulator-sjekk-hva-du-ma-betale\/\">annuitetskalkulator<\/a>&nbsp;hvor mye du m\u00e5 betale hver m\u00e5ned, og under hele l\u00e5nets l\u00f8petid.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Hvilken l\u00e5netype burde du velge?<\/h2>\n\n\n\n<p>N\u00e5r du velger l\u00e5netype, er det flere faktorer du b\u00f8r vurdere. Det kan v\u00e6re lurt \u00e5 snakke med en bankr\u00e5dgiver f\u00f8r du tar en beslutning.<\/p>\n\n\n\n<p>Hvis du kommer til \u00e5 ha stabil inntekt i flere \u00e5r fremover, vil annuitetsl\u00e5n sannsynligvis v\u00e6re det beste valget. Men hvis du vet at inntekten din vil v\u00e6re h\u00f8yere n\u00e5 enn mot slutten av nedbetalingstiden, kan et seriel\u00e5n v\u00e6re verdt \u00e5 vurdere.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">En annen l\u00e5netype &#8211; Rammel\u00e5n<\/h3>\n\n\n\n<p><a href=\"https:\/\/blogg.renteradar.no\/rammelan-litt-dyrere-men-mer-fleksibelt\/\">Rammel\u00e5n<\/a> kan v\u00e6re et godt alternativ hvis du allerede eier en bolig og \u00f8nsker mer fleksibilitet i l\u00e5neordningen. Med rammel\u00e5n betaler du kun rente for det faktiske bel\u00f8pet som er trukket fra l\u00e5nerammen, og ikke for hele rammen. Rammel\u00e5net er et fleksibelt boligl\u00e5n som du kan benytte deg av n\u00e5r du trenger det.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Endre fra seriel\u00e5n til annuitetsl\u00e5n<\/h2>\n\n\n\n<p>Har du seriel\u00e5n, men merker at det ble litt trangt med h\u00f8ye avdrag s\u00e5 kan du bytte til annuitetsl\u00e5n. Det er mulig du m\u00e5 betale et gebyr for \u00e5 gj\u00f8re endring p\u00e5 l\u00e5net. Ta kontakt med banken din for \u00e5 endre l\u00e5netypen.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">FAQ- kjappe svar p\u00e5 vanlige sp\u00f8rsm\u00e5l<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1710774501758\"><strong class=\"schema-faq-question\">Hva er seriel\u00e5n?<\/strong> <p class=\"schema-faq-answer\">Seriel\u00e5n er en l\u00e5netype der teminbel\u00f8pet er synkene utover l\u00e5neperioden, som betyr at du gradvis betaler mindre og mindre p\u00e5 l\u00e5net.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1710774509745\"><strong class=\"schema-faq-question\">N\u00e5r l\u00f8nner det seg med seriel\u00e5n?<\/strong> <p class=\"schema-faq-answer\">Har du god \u00f8konomi og r\u00e5d til h\u00f8ye rentekostnader i starten av nedbetalingsperioden kan startl\u00e5n v\u00e6re et godt alternativ.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1710774517676\"><strong class=\"schema-faq-question\">Er seriel\u00e5n billigere?<\/strong> <p class=\"schema-faq-answer\">Seriel\u00e5n er billigere enn annuitetsl\u00e5n fordi de totale rentekostnadene er mindre.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1710774528335\"><strong class=\"schema-faq-question\">Hva er fordelen med seriel\u00e5n?<\/strong> <p class=\"schema-faq-answer\">Den st\u00f8rste fordelen med seriel\u00e5n er at du totalt betaler mindre rentekostander sammenlignet med annuitetsl\u00e5n.<\/p> <\/div> <\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>B\u00f8r du velge seriel\u00e5n eller annuitetsl\u00e5n? Seriel\u00e5n kan v\u00e6re en effektiv og rimeligere metode for nedbetaling av boligl\u00e5n. Renteradar forklarer hvordan seriel\u00e5n fungerer. Hva er seriel\u00e5n? Seriel\u00e5n er en l\u00e5neform der du betaler ned det samme bel\u00f8pet p\u00e5 l\u00e5net hver m\u00e5ned (om renten er den samme), mens rentebetalingene avtar over tid. Dette er fordi rentekostnadene [&hellip;]<\/p>\n","protected":false},"author":14,"featured_media":16133,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_uag_custom_page_level_css":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3],"tags":[8,39,13,166],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Seriel\u00e5n - Slik fungerer det - Renteradar.no<\/title>\n<meta name=\"description\" content=\"Seriel\u00e5n enkelt forklart. 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annuitetsl\u00e5n.","inLanguage":"nb-NO"},"inLanguage":"nb-NO"}]}},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Blogg_forsidebilde_april.png","uagb_featured_image_src":{"full":["https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Blogg_forsidebilde_april.png",1451,701,false],"thumbnail":["https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Blogg_forsidebilde_april-150x150.png",150,150,true],"medium":["https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Blogg_forsidebilde_april-300x145.png",300,145,true],"medium_large":["https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Blogg_forsidebilde_april-768x371.png",768,371,true],"large":["https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Blogg_forsidebilde_april-1024x495.png",1024,495,true],"1536x1536":["https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Blogg_forsidebilde_april.png",1451,701,false],"2048x2048":["https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Blogg_forsidebilde_april.png",1451,701,false],"thumbnail-12-cols-classic":["https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Blogg_forsidebilde_april-1150x665.png",1150,665,true],"thumbnail-6-6-cols-classic":["https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Blogg_forsidebilde_april-780x580.png",780,580,true],"thumbnail-4-4-4-cols-classic":["https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Blogg_forsidebilde_april-800x600.png",800,600,true],"thumbnail-3-3-3-3-cols-classic":["https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Blogg_forsidebilde_april-500x370.png",500,370,true],"thumbnail-12-cols-lateral":["https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Blogg_forsidebilde_april-300x300.png",300,300,true],"thumbnail-6-6-cols-lateral":["https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Blogg_forsidebilde_april-170x170.png",170,170,true],"thumbnail-single-post":["https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Blogg_forsidebilde_april-1280x701.png",1280,701,true],"thumbnail-6-6-cols-left-modern":["https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Blogg_forsidebilde_april.png",1451,701,false],"custom-header":["https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Blogg_forsidebilde_april.png",1451,701,false],"menu-24x24":["https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Blogg_forsidebilde_april-24x12.png",24,12,true],"menu-36x36":["https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Blogg_forsidebilde_april-36x17.png",36,17,true],"menu-48x48":["https:\/\/blogg.renteradar.no\/wp-content\/uploads\/2024\/04\/Blogg_forsidebilde_april-48x23.png",48,23,true]},"uagb_author_info":{"display_name":"Celine Reiten","author_link":"https:\/\/blogg.renteradar.no\/author\/celinereiten\/"},"uagb_comment_info":0,"uagb_excerpt":"B\u00f8r du velge seriel\u00e5n eller annuitetsl\u00e5n? Seriel\u00e5n kan v\u00e6re en effektiv og rimeligere metode for nedbetaling av boligl\u00e5n. Renteradar forklarer hvordan seriel\u00e5n fungerer. Hva er seriel\u00e5n? Seriel\u00e5n er en l\u00e5neform der du betaler ned det samme bel\u00f8pet p\u00e5 l\u00e5net hver m\u00e5ned (om renten er den samme), mens rentebetalingene avtar over tid. Dette er fordi rentekostnadene&hellip;","_links":{"self":[{"href":"https:\/\/blogg.renteradar.no\/wp-json\/wp\/v2\/posts\/16059"}],"collection":[{"href":"https:\/\/blogg.renteradar.no\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blogg.renteradar.no\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blogg.renteradar.no\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/blogg.renteradar.no\/wp-json\/wp\/v2\/comments?post=16059"}],"version-history":[{"count":18,"href":"https:\/\/blogg.renteradar.no\/wp-json\/wp\/v2\/posts\/16059\/revisions"}],"predecessor-version":[{"id":16191,"href":"https:\/\/blogg.renteradar.no\/wp-json\/wp\/v2\/posts\/16059\/revisions\/16191"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blogg.renteradar.no\/wp-json\/wp\/v2\/media\/16133"}],"wp:attachment":[{"href":"https:\/\/blogg.renteradar.no\/wp-json\/wp\/v2\/media?parent=16059"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blogg.renteradar.no\/wp-json\/wp\/v2\/categories?post=16059"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blogg.renteradar.no\/wp-json\/wp\/v2\/tags?post=16059"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}