{"id":10572,"date":"2026-09-28T15:14:48","date_gmt":"2026-09-28T13:14:48","guid":{"rendered":"https:\/\/brixo.se\/samla-lan\/?page_id=10572"},"modified":"2026-09-30T11:36:27","modified_gmt":"2026-09-30T09:36:27","slug":"refinansiering","status":"publish","type":"page","link":"https:\/\/brixo.se\/samla-lan\/refinansiering\/","title":{"rendered":"Refinansiering"},"content":{"rendered":"<section class=\"hero_shortcode flip-contents content_hero full_width brixo-hero-shortcode \" style=\"background: linear-gradient(to bottom, rgb(13,90,150), rgb(11,53,91));\">\n    <div class=\"container px_2\">\n\n        <div class=\"row main-contents-area flip-contents\">\n\n                            <div class=\"noleft_space col-md-7 col-12 hero-contents-shortcode\">\n                    <!-- HEADER -->\n                                            <h1><span style=\"color: #24b9e3;\"><span style=\"color: #ffffff;\">Refinansiering<\/span><\/span><span style=\"color: #24b9e3;\">.<\/span><\/h1>\n                                        <!-- CONTENT -->\n                                            <div class=\"hero-shortcode_desc_main styled_check_listing\">\n                            <ul>\n<li><span style=\"color: #ffffff;\">Samla l\u00e5n upp till 300 000 kr\u00a0<\/span><\/li>\n<li><span style=\"color: #ffffff;\">M\u00f6jlighet till l\u00e4gre r\u00e4nta och b\u00e4ttre villkor<\/span><\/li>\n<li><span style=\"color: #ffffff;\">Betalningsanm\u00e4rkningar accepteras<\/span><\/li>\n<li><span style=\"color: #ffffff;\">Ingen kreditupplysning hos UC\u00a0<\/span><\/li>\n<\/ul>\n                        <\/div>\n                                        <!-- Mobile media -->\n                                        <!-- CTA -->\n                    \n                                    <\/div>\n            \n            <div class=\"media-container shortcode-container col-md-5 col-12\">\n                    <div class='brixo-ams-application'>\n                        <div class='slider-wraper'>\n                            <div class='slider-content-box'>\n                                <div class='slider-content-box-top'>\n                                    <h3 class='slider-box-title'>Hur mycket vill du samla?<\/h3>\n                                <\/div>\n                                <div class='slider-content-box-middle'>\n                                    \n                    <div class='slider-element-1'>\n                        \n                    <h4 class='slider-element-title'>L\u00e5nebelopp: <span class='summary credit-limit'><\/span><\/h4>\n                    <div class='slider-credit-limit'><\/div>\n                    \n                    <\/div>\n                    <div class='slider-element-2'>\n                        \n                    <h4 class='slider-element-title'>\u00c5terbetalningstid: <span class='summary payback-period'>m\u00e5n<\/span><\/h4>\n                    <div class='slider-payback-period'><\/div>\n                    \n                    <\/div>\n                    <div class='slider-element-cost-summary'>\n                        <h6>Genomsnittlig m\u00e5nadsbetalning: <span class='summary monthly-payment'><\/span><\/h6>\n                        \n                <h6>Totalt belopp att \u00e5terbetala: \n                    <span class='summary total-repayment-amount'><\/span>\n                    \n                <\/h6>\n                \n                        \n                <h6>R\u00e4ntan <span class='summary'> startar p\u00e5 <span class='nominal-interest'><\/span>\n                    och s\u00e4nks med <span class='reduction-step'><\/span> procentenheter\n                    var tredje m\u00e5nad under de f\u00f6rsta tre \u00e5ren. L\u00e4gsta m\u00f6jliga r\u00e4nta \u00e4r <span class='interest-floor'><\/span>.\n                    <\/span>\n            <a tabindex='-1' class='tooltip-icon' id='tooltip-icon'><i class='fas fa-info-circle fa-1x'><\/i><\/a>\n            <div class='tooltip-content'>\n                <span class='tooltip-heading'>R\u00e4nta<\/span>\n                <span class='tooltip-body'>R\u00e4ntes\u00e4nkningen f\u00f6ruts\u00e4tter att \u00e5terbetalningsplanen f\u00f6ljs.<\/span>\n            <\/div>\n        \n                <\/h6>\n                    <\/div>\n                    \n                                <\/div>\n                                <div class='slider-content-box-bottom'>\n                                    <a href='#popup_9139' class='ams-submit-btn ams-submit-btn-color'>\n                                        Ans\u00f6k nu \n                                        <svg xmlns='http:\/\/www.w3.org\/2000\/svg' aria-hidden='true' role='img' width='1.3em' height='1.3em' preserveAspectRatio='xMidYMid meet' viewBox='0 0 24 24'><path fill='none' stroke='currentColor' stroke-linecap='round' stroke-linejoin='round' stroke-width='2.5' d='M4 12h16m-7-7l7 7l-7 7'\/><\/svg>\n                                    <\/a>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>        <\/div>\n                    <div class=\"row forflex sub-contents-area\"> <p class=\"py-3 mb-0\" style=\"text-align: center;\"><span style=\"color: #ffffff;\">Krediten har inledningsvis 18,95 % nominell r\u00f6rlig \u00e5rsr\u00e4nta som under f\u00f6ruts\u00e4ttning att de villkor som framg\u00e5r av kreditavtalet \u00e4r uppfyllda s\u00e4nks med 0,5 procentenheter var tredje m\u00e5nad vid upp till 12 tillf\u00e4llen vilket d\u00e4refter resulterar i en r\u00e4nta om 12,95 %, 575 kr i uppl\u00e4ggningsavgift och 25 kr m\u00e5natlig administrationsavgift. En exempelkredit p\u00e5 150 000 kr d\u00e4r upp till tv\u00e5 krediter l\u00f6ses och som \u00e5terbetalas med i genomsnitt 2 409 kr per m\u00e5nad under 120 m\u00e5nader har en effektiv \u00e5rsr\u00e4nta p\u00e5 16,6 %. Det inneb\u00e4r en total kostnad f\u00f6r krediten om 139 062 kr. Totalt belopp att \u00e5terbetala \u00e4r 289 062 kr. L\u00f6ptid fr\u00e5n 36 till 120 m\u00e5nader.<\/span><\/p>\n<p class=\"pb-3 mb-3\" style=\"text-align: center;\"><span style=\"color: #ffffff;\">OBS! Brixo tillhandah\u00e5ller inte samlingsl\u00e5n som tas i syfte att helt eller delvis finansiera \u00e5terbetalning av en befintlig kredit hos Brixo AB.<\/span><\/p>\n<div class=\"row align-items-center justify-content-center\">\n<div class=\"col-12 high-cost-credit-col\">\n<div class=\"row align-items-center\">\n<div class=\"col-auto\"><img decoding=\"async\" src=\"https:\/\/brixo.se\/samla-lan\/wp-content\/uploads\/2025\/02\/triangle.png\" \/><\/div>\n<div class=\"col\">\n<p class=\"margin-bottom-xs-0\" style=\"text-align: left;\"><strong>Att l\u00e5na kostar pengar!<\/strong><\/p>\n<p class=\"margin-bottom-xs-0\">Om du inte kan betala tillbaka skulden i tid riskerar du en betalningsanm\u00e4rkning. Det kan leda till sv\u00e5righeter att f\u00e5 hyra bostad, teckna abonnemang och f\u00e5 nya l\u00e5n. F\u00f6r st\u00f6d, v\u00e4nd dig till budget- och skuldr\u00e5dgivningen i din kommun. Kontaktuppgifter finns p\u00e5 <a style=\"color: inherit !important;\" href=\"https:\/\/www.konsumentverket.se\/\" target=\"_blank\" rel=\"noopener\">konsumentverket.se.<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n <\/div>\n            <\/div>\n<\/section>\n\n\n<section class=\"py_5 full_width content-box_section brixo-section content-box-figma_section  \" style=\"background:#ffffff\">\n    <div class=\"container px_2\">\n        <h2><strong>F\u00f6rdelar<\/strong><span style=\"color: #3c3d3b;\"> med Brixo<\/span><span style=\"color: #24b9e3;\">.<\/span><\/h2>\n        <div class=\"app_slider\">                        <div class=\"app_card\">\n                            <div class=\"app-card-thumb\">\n                                <img loading=\"lazy\" decoding=\"async\" width=\"223\" height=\"382\" src=\"https:\/\/brixo.se\/samla-lan\/wp-content\/uploads\/2024\/08\/phone1-66b49fb398222.webp\" class=\"img-fluid mobile_app image_desktop_only\" alt=\"\" \/><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"122\" src=\"https:\/\/brixo.se\/samla-lan\/wp-content\/uploads\/2024\/08\/mobile_icon_one.webp\" class=\"img-fluid mobile_app image_mobile_only\" alt=\"\" \/>                            <\/div>\n                            <div class=\"app-card-content \">\n                                <h3 style=\"text-align: center;\"><span style=\"color: #0b70b4;\">Ingen UC<\/span><\/h3>\n<p style=\"text-align: center;\">Bevara din kreditv\u00e4rdighet hos UC. V\u00e5r kreditupplysning inh\u00e4mtas fr\u00e5n Dun &amp; Bradstreet.<\/p>\n                            <\/div>\n                        <\/div>\n                                            <div class=\"app_card\">\n                            <div class=\"app-card-thumb\">\n                                <img loading=\"lazy\" decoding=\"async\" width=\"224\" height=\"382\" src=\"https:\/\/brixo.se\/samla-lan\/wp-content\/uploads\/2024\/08\/phone2-66b49faf8d5f8.webp\" class=\"img-fluid mobile_app image_desktop_only\" alt=\"\" \/><img loading=\"lazy\" decoding=\"async\" width=\"126\" height=\"130\" src=\"https:\/\/brixo.se\/samla-lan\/wp-content\/uploads\/2024\/08\/mobile_icon_three.webp\" class=\"img-fluid mobile_app image_mobile_only\" alt=\"\" \/>                            <\/div>\n                            <div class=\"app-card-content \">\n                                <h3 style=\"text-align: center;\"><span style=\"color: #0b70b4;\">L\u00e4gre r\u00e4nta \u00f6ver tid<\/span><\/h3>\n<p style=\"text-align: center;\">R\u00e4ntan s\u00e4nks med 0,5 procentenheter var tredje m\u00e5nad under de f\u00f6rsta tre \u00e5ren.<\/p>\n                            <\/div>\n                        <\/div>\n                                            <div class=\"app_card\">\n                            <div class=\"app-card-thumb\">\n                                <img loading=\"lazy\" decoding=\"async\" width=\"223\" height=\"382\" src=\"https:\/\/brixo.se\/samla-lan\/wp-content\/uploads\/2024\/08\/phone3-66b49fa9ceaae.webp\" class=\"img-fluid mobile_app image_desktop_only\" alt=\"\" \/><img loading=\"lazy\" decoding=\"async\" width=\"144\" height=\"152\" src=\"https:\/\/brixo.se\/samla-lan\/wp-content\/uploads\/2024\/08\/mobile_icon_two.webp\" class=\"img-fluid mobile_app image_mobile_only\" alt=\"\" \/>                            <\/div>\n                            <div class=\"app-card-content \">\n                                <h3 style=\"text-align: center;\"><span style=\"color: #0b70b4;\">Betalningsanm\u00e4rkning?<\/span><\/h3>\n<p style=\"text-align: center;\">Vi ser till helheten och kan bevilja l\u00e5n trots betalningsanm\u00e4rkning.<\/p>\n<p>&nbsp;<\/p>\n                            <\/div>\n                        <\/div>\n                                    <\/div>    <\/div>\n<\/section>\n\n\n<section class=\"brixo-trustpilot trustpilot_section py_5 full_width text-block padding-top-xs-2 padding-bottom-xs-1 padding-top-lg-3 padding-bottom-lg-3 \" style=\"background:#f2f2f2\">\n    <div class=\"container px_2\">\n        <div class=\"row\">\n            <div class=\"col-12 \">\n                <div class=\"text-wrapper\">\n                    <div class=\"d-none d-lg-block\">\n                        <div class=\"trustpilot-widget\" data-locale=\"sv-SE\" data-template-id=\"53aa8912dec7e10d38f59f36\" data-businessunit-id=\"5552280b0000ff00057f5ff2\" data-style-height=\"140px\" data-style-width=\"100%\" data-theme=\"white\" data-stars=\"4,5\" data-review-languages=\"sv\">\r\n    <a href=\"https:\/\/se.trustpilot.com\/review\/www.brixo.se\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\r\n<\/div>                    <\/div>\n                    <div class=\"d-lg-none\">\n                        <div class=\"trustpilot-widget\" data-locale=\"sv-SE\" data-template-id=\"539ad0ffdec7e10e686debd7\" data-businessunit-id=\"5552280b0000ff00057f5ff2\" data-style-height=\"350px\" data-style-width=\"100%\" data-theme=\"white\" data-stars=\"4,5\" data-review-languages=\"sv\">\r\n    <a href=\"https:\/\/se.trustpilot.com\/review\/www.brixo.se\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\r\n<\/div>                    <\/div>\n                <\/div>\n            <\/div>\n                            <div class=\"col-12\">\n                    <p><span style=\"color: #3c3d3b;\">En automatisk inbjudan om att l\u00e4mna en recension skickas efter fem dagar till alla kunder som beviljats en kredit. Dessa recensioner \u00e4r markerade med \u201cVerifierat\u201d. Genomsnittligt betyg baseras p\u00e5 alla recensioner, verifierade samt \u00f6vriga, och illustreras i antal stj\u00e4rnor fr\u00e5n 1 till 5. Ber\u00e4kningen baseras p\u00e5 tidsrymd, frekvens och bayesianskt medelv\u00e4rde.<\/span><\/p>\n                <\/div>\n                    <\/div>\n<\/section>\n\n\n\n<section class=\"brixo-faq faq_section py_7 full_width \" style=\"background:#0b70b4\">\n    <div class=\"container px_2\">\n        <div class=\"row forflex\">\n            <div class=\"col-12 col-md-8 mx-auto\">\n                <h2 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Vanliga fr\u00e5gor och svar<span style=\"color: #22bae3;\">.<\/span><\/span><\/h2>\n\n                                        <div class=\"faq-container accordion\" id=\"faqacc_6acd423e41c226acd423e41c236acd423e41c24\">\n                             <div class=\"accordion-item\">\n                                        <div class=\"accordion-header\" id=\"faqacc_header_6acd423e41c256acd423e41c266acd423e41c27\">\n                                            <button class=\"accordion-button \" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#faqacc_content_6acd423e41c286acd423e41c296acd423e41c2a\" aria-expanded=\"true\" aria-controls=\"faqacc_content_6acd423e41c286acd423e41c296acd423e41c2a\">\n                                                <p>Vad inneb\u00e4r refinansiering av l\u00e5n?<\/p>\n                                            <\/button>\n                                        <\/div>\n                                        <div id=\"faqacc_content_6acd423e41c286acd423e41c296acd423e41c2a\" class=\"accordion-collapse collapse show\" aria-labelledby=\"faqacc_header_6acd423e41c256acd423e41c266acd423e41c27\" data-bs-parent=\"#faqacc_6acd423e41c226acd423e41c236acd423e41c24\">\n                                            <div class=\"accordion-body\">\n                                                <div class=\"accordion-body-inner\">\n                                                    <p>Refinansiering inneb\u00e4r att du ers\u00e4tter ett eller flera befintliga l\u00e5n med ett nytt, i syfte att f\u00e5 b\u00e4ttre villkor, r\u00e4nta och kontroll.<\/p>\n                                                <\/div>\n                                            <\/div>\n                                        <\/div>\n                                    <\/div>  <div class=\"accordion-item\">\n                                        <div class=\"accordion-header\" id=\"faqacc_header_6acd423e41c2b6acd423e41c2c6acd423e41c2d\">\n                                            <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#faqacc_content_6acd423e41c2e6acd423e41c2f6acd423e41c30\" aria-expanded=\"true\" aria-controls=\"faqacc_content_6acd423e41c2e6acd423e41c2f6acd423e41c30\">\n                                                <p>\u00c4r refinansiering och samlingsl\u00e5n samma sak?<\/p>\n                                            <\/button>\n                                        <\/div>\n                                        <div id=\"faqacc_content_6acd423e41c2e6acd423e41c2f6acd423e41c30\" class=\"accordion-collapse collapse \" aria-labelledby=\"faqacc_header_6acd423e41c2b6acd423e41c2c6acd423e41c2d\" data-bs-parent=\"#faqacc_6acd423e41c226acd423e41c236acd423e41c24\">\n                                            <div class=\"accordion-body\">\n                                                <div class=\"accordion-body-inner\">\n                                                    <p>Nej, inte helt. Refinansiering inneb\u00e4r att du ers\u00e4tter ett eller flera befintliga l\u00e5n med ett nytt l\u00e5n. Ett samlingsl\u00e5n inneb\u00e4r att du sl\u00e5r ihop flera l\u00e5n till ett enda l\u00e5n.<\/p>\n<p>Alla samlingsl\u00e5n \u00e4r en refinansiering, men alla refinansieringar \u00e4r inte ett samlingsl\u00e5n.<\/p>\n                                                <\/div>\n                                            <\/div>\n                                        <\/div>\n                                    <\/div>  <div class=\"accordion-item\">\n                                        <div class=\"accordion-header\" id=\"faqacc_header_6acd423e41c316acd423e41c326acd423e41c33\">\n                                            <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#faqacc_content_6acd423e41c346acd423e41c356acd423e41c36\" aria-expanded=\"true\" aria-controls=\"faqacc_content_6acd423e41c346acd423e41c356acd423e41c36\">\n                                                <p>Kan jag refinansiera l\u00e5n med betalningsanm\u00e4rkning?<\/p>\n                                            <\/button>\n                                        <\/div>\n                                        <div id=\"faqacc_content_6acd423e41c346acd423e41c356acd423e41c36\" class=\"accordion-collapse collapse \" aria-labelledby=\"faqacc_header_6acd423e41c316acd423e41c326acd423e41c33\" data-bs-parent=\"#faqacc_6acd423e41c226acd423e41c236acd423e41c24\">\n                                            <div class=\"accordion-body\">\n                                                <div class=\"accordion-body-inner\">\n                                                    <p>Ja, hos Brixo kan du l\u00e5na \u00e4ven om du har betalningsanm\u00e4rkningar. Vi g\u00f6r en helhetsbed\u00f6mning och fokuserar p\u00e5 din nuvarande betalningsf\u00f6rm\u00e5ga. Aktiva skulder hos Kronofogden accepteras dock inte.<\/p>\n                                                <\/div>\n                                            <\/div>\n                                        <\/div>\n                                    <\/div>  <div class=\"accordion-item\">\n                                        <div class=\"accordion-header\" id=\"faqacc_header_6acd423e41c386acd423e41c396acd423e41c3a\">\n                                            <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#faqacc_content_6acd423e41c3b6acd423e41c3c6acd423e41c3d\" aria-expanded=\"true\" aria-controls=\"faqacc_content_6acd423e41c3b6acd423e41c3c6acd423e41c3d\">\n                                                <p>Kostar det n\u00e5got att refinansiera sina l\u00e5n?<\/p>\n                                            <\/button>\n                                        <\/div>\n                                        <div id=\"faqacc_content_6acd423e41c3b6acd423e41c3c6acd423e41c3d\" class=\"accordion-collapse collapse \" aria-labelledby=\"faqacc_header_6acd423e41c386acd423e41c396acd423e41c3a\" data-bs-parent=\"#faqacc_6acd423e41c226acd423e41c236acd423e41c24\">\n                                            <div class=\"accordion-body\">\n                                                <div class=\"accordion-body-inner\">\n                                                    <p>Nej, det kostar ingenting att ans\u00f6ka om ett nytt l\u00e5n hos Brixo. D\u00e4remot s\u00e5 kan din befintliga l\u00e5ngivare ta ut en kostnad i samband med f\u00f6rtidsl\u00f6sen. Kontrollera vad som g\u00e4ller hos din befintliga l\u00e5ngivare f\u00f6r att slippa ov\u00e4ntade \u00f6verraskningar.<\/p>\n                                                <\/div>\n                                            <\/div>\n                                        <\/div>\n                                    <\/div>                         <\/div>\n                        \n                                    <div class=\"faq-button\">\n                        <a href=\"https:\/\/brixo.se\/vanliga-fragor\/\"  class=\"app_btn inverted-button\">Fler fr\u00e5gor och svar<\/a>\n                    <\/div>\n                            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n<section class=\"brixo-text-cta text_cta_section py_7 full_width \" style=\"background:#ffffff\">\n    <div class=\"container px_2\">\n        <div class=\"row forflex text_cta_row\">\n            <div class=\"col-12 col-md-12\">\n                <h2 style=\"text-align: center;\">Refinansiering av l\u00e5n<\/h2>\n<p>Refinansiering handlar om att ta ett nytt l\u00e5n f\u00f6r att l\u00f6sa ett eller flera befintliga. Tanken \u00e4r att det nya l\u00e5net ska ha b\u00e4ttre villkor \u00e4n de l\u00e5n du redan har.<\/p>\n<p>Refinansiering kan g\u00e4lla alla typer av l\u00e5n, exempelvis <a href=\"https:\/\/brixo.se\/privatlan\/billan\/\">bill\u00e5n<\/a>, <a href=\"https:\/\/brixo.se\/privatlan\/\">privatl\u00e5n<\/a> och <a href=\"https:\/\/brixo.se\/kredit\/kontokredit\/\">kontokrediter<\/a>. Men allra vanligast \u00e4r det bland privatpersoner som har samlat p\u00e5 sig flera mindre <a href=\"https:\/\/brixo.se\/lana-pengar\/\">l\u00e5n<\/a>\u00a0med h\u00f6g r\u00e4nta \u2013 exempelvis SMS-l\u00e5n och andra typer av snabbl\u00e5n.<\/p>\n<p>Har du l\u00e5n och krediter utspridda hos flera l\u00e5ngivare? D\u00e5 betalar du troligtvis mer \u00e4n du beh\u00f6ver. I den h\u00e4r guiden g\u00e5r vi igenom hur en refinansiering g\u00e5r till, n\u00e4r det l\u00f6nar sig och hur du kan anv\u00e4nda Brixos <a href=\"https:\/\/brixo.se\/samla-lan\/\">samlingsl\u00e5n<\/a> f\u00f6r att ta kontroll \u00f6ver din ekonomi.<\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-10596 aligncenter\" src=\"https:\/\/brixo.se\/samla-lan\/wp-content\/uploads\/2026\/09\/man-refinansierar-sina-lan.webp\" alt=\"man refinansierar sina l\u00e5n\" width=\"672\" height=\"448\" \/><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"color: #0b70b4;\">S\u00e5 fungerar refinansiering<\/span><\/h3>\n<p><strong>1. G\u00f6r en \u00f6versyn:<\/strong><br \/>\nSamla information om alla dina befintliga krediter: hur mycket du \u00e4r skyldig, vilken r\u00e4nta du betalar och vilka avgifter som g\u00e4ller. Det ger dig en tydlig bild av utg\u00e5ngsl\u00e4get.<\/p>\n<p><strong>2. R\u00e4kna p\u00e5 besparingen:<\/strong><br \/>\nJ\u00e4mf\u00f6r din nuvarande totala m\u00e5nadskostnad med vad ett nytt l\u00e5n skulle kosta. Gl\u00f6m inte att ta h\u00e4nsyn till eventuella f\u00f6rtidsl\u00f6sensavgifter.<\/p>\n<p><strong>3. Ans\u00f6k om det nya l\u00e5net:<\/strong><br \/>\nHos Brixo ans\u00f6ker du digitalt och smidigt. Signera tryggt med BankID och f\u00e5 besked inom 24 timmar p\u00e5 helgfria vardagar.<\/p>\n<p><strong>4. L\u00f6s dina gamla l\u00e5n:<\/strong><br \/>\nN\u00e4r l\u00e5net f\u00f6r <a href=\"https:\/\/brixo.se\/samla-lan\/skuldfinansiering\/\">skuldfinanseringen<\/a> beviljas, betalas pengarna ut samma dag. Anv\u00e4nd l\u00e5net f\u00f6r att l\u00f6sa dina befintliga krediter.<\/p>\n<p><strong>5. En faktura, en r\u00e4nta:<\/strong><br \/>\nKlart! Nu har du refinansierat dina skulder. Fram\u00f6ver beh\u00f6ver du endast fokusera p\u00e5 en enda m\u00e5nadsbetalning.<\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"color: #0b70b4;\">Refinansiering och samlingsl\u00e5n \u2013 vad \u00e4r skillnaden?<\/span><\/h3>\n<p>Refinansiering handlar om att ers\u00e4tta ett eller flera befintliga l\u00e5n med ett nytt och b\u00e4ttre. Samlingsl\u00e5n handlar om att sl\u00e5 ihop flera l\u00e5n till ett enda.<\/p>\n<p>S\u00e5 h\u00e4r kan du t\u00e4nka:<\/p>\n<p><span style=\"color: #0b70b4;\">\u2022 <\/span><strong>Refinansiering<\/strong> = du byter ut ett eller flera l\u00e5n mot ett b\u00e4ttre.<br \/>\n<span style=\"color: #0b70b4;\">\u2022 <\/span><strong>Samlingsl\u00e5n<\/strong> = du sl\u00e5r ihop flera l\u00e5n till ett enda l\u00e5n.<\/p>\n<p>Hos Brixo kan du samla l\u00e5n och krediter p\u00e5 upp till 300 000 kr. Det inneb\u00e4r att du kan anv\u00e4nda l\u00e5net f\u00f6r att <a href=\"https:\/\/brixo.se\/samla-lan\/losa-lan\/\">l\u00f6sa dina befintliga l\u00e5n<\/a> och g\u00e5 fr\u00e5n flera fakturor och r\u00e4ntor till en enda m\u00e5nadsbetalning.<\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"color: #0b70b4;\">N\u00e4r l\u00f6nar sig refinansiering av l\u00e5n?<\/span><\/h3>\n<p>Grundregeln \u00e4r att r\u00e4kna p\u00e5 totalkostnaden. Om det nya l\u00e5net kostar dig mindre totalt \u00e4r refinansiering v\u00e4rt det. Det finns \u00e4ven fler situationer d\u00e4r refinansiering av l\u00e5n kan vara ett klokt beslut.<\/p>\n<p>H\u00e4r \u00e4r de vanligaste:<\/p>\n<p><strong>1. Du har l\u00e5n med h\u00f6g r\u00e4nta:<\/strong><br \/>\n<a href=\"https:\/\/brixo.se\/lana-pengar\/snabblan\/\">Snabbl\u00e5n<\/a> och <a href=\"https:\/\/brixo.se\/lana-pengar\/sms-lan\/\">SMS-l\u00e5n<\/a> har ofta h\u00f6ga r\u00e4ntor. Genom att l\u00f6sa dem med ett l\u00e5n med l\u00e4gre r\u00e4nta kan du spara tusentals kronor per \u00e5r.<\/p>\n<p><strong>2. Du har tappat kontrollen:<\/strong><br \/>\nExempel: tre l\u00e5n hos tre olika l\u00e5ngivare inneb\u00e4r tre fakturor, tre f\u00f6rfallodagar och tre r\u00e4ntor att h\u00e5lla koll p\u00e5. Ett enda l\u00e5n ger dig en k\u00e4nsla av kontroll.<\/p>\n<p><strong>3. Du vill s\u00e4nka din m\u00e5nadskostnad:<\/strong><br \/>\nGenom att v\u00e4lja en l\u00e4ngre l\u00f6ptid kan du sprida ut \u00e5terbetalningen och f\u00e5 en l\u00e4gre m\u00e5nadsbetalning. T\u00e4nk dock p\u00e5 att en l\u00e4ngre l\u00f6ptid ofta inneb\u00e4r att du betalar mer i r\u00e4ntekostnader totalt.<\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"color: #0b70b4;\">N\u00e4r l\u00f6nar det sig inte med refinansiering?<\/span><\/h3>\n<p>Refinansiering \u00e4r inte alltid r\u00e4tt v\u00e4g. Det finns situationer d\u00e4r du b\u00f6r t\u00e4nka efter en extra g\u00e5ng:<\/p>\n<p><strong>1. Du har ett l\u00e5n med bra villkor:<\/strong><br \/>\nOm ditt nuvarande l\u00e5n redan har en konkurrenskraftig r\u00e4nta finns det lite att vinna.<\/p>\n<p><strong>2. Du f\u00f6rl\u00e4nger l\u00f6ptiden utan anledning:<\/strong><br \/>\nEn l\u00e4gre m\u00e5nadskostnad kan vara lockande, men om du drar ut p\u00e5 \u00e5terbetalningen fr\u00e5n t.ex. 3 till 8 \u00e5r kan den totala r\u00e4ntekostnaden bli mycket h\u00f6gre, \u00e4ven om r\u00e4ntan \u00e4r l\u00e4gre.<\/p>\n<p><strong>3. Avgifterna \u00e4ter upp besparingen:<br \/>\n<\/strong>Vissa l\u00e5ngivare tar ut en avgift n\u00e4r du l\u00f6ser ett befintligt l\u00e5n. Kontrollera alltid dina nuvarande villkor innan du best\u00e4mmer dig.<\/p>\n                                    <div class=\"text_cta_apply_btn\">\n                        <a href=\"#\"  class=\"app_btn \">Till ans\u00f6kan<\/a>\n                    <\/div>\n                            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n<section class=\"brixo-text-cta text_cta_section py_7 full_width \" style=\"background:#f2f2f2\">\n    <div class=\"container px_2\">\n        <div class=\"row forflex text_cta_row\">\n            <div class=\"col-12 col-md-12\">\n                <h2 style=\"text-align: center;\">Refinansiering hos Brixo<\/h2>\n<p>Brixos samlingsl\u00e5n \u00e4r utformat f\u00f6r dig som vill ers\u00e4tta dina befintliga l\u00e5n med ett enda l\u00e5n som har tydliga och transparenta villkor.<\/p>\n<p><span style=\"color: #0b70b4;\">\u2022 <\/span>L\u00e5nebelopp: 10 000\u2013300 000 kr.<br \/>\n<span style=\"color: #0b70b4;\">\u2022 <\/span>L\u00f6ptid: 3\u201312 \u00e5r.<br \/>\n<span style=\"color: #0b70b4;\">\u2022 <\/span>Nominell r\u00e4nta: 18,95 % (s\u00e4nks med 0,5 procentenheter var tredje m\u00e5nad under de f\u00f6rsta tre \u00e5ren).<br \/>\n<span style=\"color: #0b70b4;\">\u2022 <\/span>Uppl\u00e4ggningsavgift: 575 kr.<br \/>\n<span style=\"color: #0b70b4;\">\u2022 <\/span>Administrationsavgift: 25 kr per m\u00e5nad.<\/p>\n<p><em>L\u00e4s mer om v\u00e5ra <a href=\"https:\/\/brixo.se\/samla-lan\/vara-villkor\/\">priser och villkor<\/a>.\u00a0<\/em><\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-10591 aligncenter\" src=\"https:\/\/brixo.se\/samla-lan\/wp-content\/uploads\/2026\/09\/kvinna-refinansiering-av-lan.webp\" alt=\"kvinna refinansiering av l\u00e5n\" width=\"672\" height=\"448\" \/><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"color: #0b70b4;\">Krav f\u00f6r att refinansiera hos Brixo<\/span><\/h3>\n<p>F\u00f6r att kunna l\u00e5na hos Brixo beh\u00f6ver du uppfylla f\u00f6ljande grundkrav:<\/p>\n<p><span style=\"color: #0b70b4;\">\u2022 <\/span>Du \u00e4r minst 21 \u00e5r.<br \/>\n<span style=\"color: #0b70b4;\">\u2022 <\/span>Du har svenskt personnummer, BankID och \u00e4r folkbokf\u00f6rd i Sverige.<br \/>\n<span style=\"color: #0b70b4;\">\u2022 <\/span>Din \u00e5rsinkomst \u00e4r minst 200 000 kr.<br \/>\n<span style=\"color: #0b70b4;\">\u2022 <\/span>Du har inga aktiva skulder hos Kronofogden (betalningsanm\u00e4rkningar \u00e4r OK).<\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"color: #0b70b4;\">Vilka l\u00e5n och krediter kan refinansieras?\u00a0<\/span><\/h3>\n<p>Huruvida ett l\u00e5n kan refinansieras eller inte beror fr\u00e4mst p\u00e5 villkoren i det befintliga avtalet. F\u00f6rutsatt att du kan l\u00f6sa skulden i f\u00f6rtid \u00e4r det i princip alla typer av privatl\u00e5n och krediter som kan refinansieras.<\/p>\n<p>Vanliga typer av l\u00e5n och krediter som anv\u00e4nds i en refinansiering:<\/p>\n<p><span style=\"color: #0b70b4;\">\u2022 <\/span>Privatl\u00e5n.<br \/>\n<span style=\"color: #0b70b4;\">\u2022 <\/span>Kontokrediter.<br \/>\n<span style=\"color: #0b70b4;\">\u2022 <\/span>Kreditkortsskulder.<br \/>\n<span style=\"color: #0b70b4;\">\u2022 <\/span>Delbetalningar och avbetalningar.<\/p>\n<p><em>Observera att du inte kan l\u00f6sa l\u00e5n och krediter som redan finns hos Brixo.<\/em><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"color: #0b70b4;\">Tips innan du refinansierar<\/span><\/h3>\n<p><strong>1. G\u00f6r en budget:<\/strong><br \/>\nInnan du ans\u00f6ker b\u00f6r du ha koll p\u00e5 dina inkomster och utgifter. Det hj\u00e4lper dig att v\u00e4lja r\u00e4tt belopp och l\u00f6ptid. L\u00e4s v\u00e5r guide om <a href=\"https:\/\/brixo.se\/allt-om-sparande\/budget\/\">budget<\/a>.<\/p>\n<p><strong>2. S\u00e4g upp gamla krediter:<\/strong><br \/>\nN\u00e4r du har betalat av en gammal kredit med ditt nya l\u00e5n, se till att avsluta kontot. En outnyttjad kredit r\u00e4knas fortfarande som en skuld i bankernas bed\u00f6mning.<\/p>\n<p><strong>3. V\u00e4lj kortast m\u00f6jliga l\u00f6ptid:<\/strong><br \/>\nEn kort l\u00f6ptid ger en h\u00f6gre m\u00e5nadskostnad men en betydligt l\u00e4gre total kostnad. Hitta en balans som passar din ekonomi.<\/p>\n<p><strong>4. Undvik nya l\u00e5n efter en refinansiering:<\/strong><br \/>\nHela po\u00e4ngen med refinansiering \u00e4r att minska din skuldb\u00f6rda och s\u00e4nka dina kostnader. Att \u00f6ppna fler krediter efter\u00e5t motverkar syftet.<\/p>\n                                    <div class=\"text_cta_apply_btn\">\n                        <a href=\"#\"  class=\"app_btn \">P\u00e5b\u00f6rja din ans\u00f6kan<\/a>\n                    <\/div>\n                            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Product\",\n  \"name\": \"Samlingsl\u00e5n\",\n  \"image\": \"https:\/\/brixo.se\/wp-content\/uploads\/2022\/06\/brixo-logo.png\",\n  \"brand\": {\n    \"@type\": \"Brand\",\n    \"name\": \"Brixo\"\n  },\n  \"aggregateRating\": {\n    \"@type\": \"AggregateRating\",\n    \"ratingValue\": \"4.6\",\n    \"bestRating\": \"5\",\n    \"worstRating\": \"1\",\n    \"ratingCount\": \"3545\"\n  },\n  \"review\": {\n    \"@type\": \"Review\",\n    \"reviewRating\": {\n      \"@type\": \"Rating\",\n      \"ratingValue\": \"4.6\",\n      \"bestRating\": \"5\"\n    },\n    \"author\": {\n      \"@type\": \"Organization\",\n      \"name\": \"Trustpilot\",\n      \"url\": \"https:\/\/se.trustpilot.com\/review\/www.brixo.se\"\n    }\n  }\n}\n<\/script>\n\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FinancialService\",\n  \"@id\": \"https:\/\/brixo.se\/#financial-service\",\n  \"name\": \"Brixo\",\n  \"legalName\": \"Brixo AB\",\n  \"taxID\": \"556978-9273\",\n  \"url\": \"https:\/\/brixo.se\/\",\n  \"logo\": \"https:\/\/brixo.se\/wp-content\/uploads\/2022\/06\/brixo-logo.png\",\n  \"image\": \"https:\/\/brixo.se\/wp-content\/uploads\/2022\/06\/brixo-logo.png\",\n  \"telephone\": \"08-500 850 47\",\n  \"email\": \"info@brixo.se\",\n  \"openingHours\": \"Mo,Tu,We,Th,Fr 08:30-17:00\",\n  \"address\": {\n    \"@type\": \"PostalAddress\",\n    \"streetAddress\": \"Brunnsgatan 21B\",\n    \"addressLocality\": \"Stockholm\",\n    \"postalCode\": \"111 38\",\n    \"addressCountry\": \"SE\"\n  },\n  \"parentOrganization\": {\n    \"@id\": \"https:\/\/brixo.se\/#organization\"\n  }\n}\n<\/script>\n\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Vad inneb\u00e4r refinansiering av l\u00e5n?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Refinansiering inneb\u00e4r att du ers\u00e4tter ett eller flera befintliga l\u00e5n med ett nytt, i syfte att f\u00e5 b\u00e4ttre villkor, r\u00e4nta och kontroll.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\u00c4r refinansiering och samlingsl\u00e5n samma sak?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Nej, inte helt. 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