{"id":377,"date":"2022-11-09T10:06:37","date_gmt":"2022-11-09T10:06:37","guid":{"rendered":"http:\/\/lenders.fi\/clone-of-kertalaina\/"},"modified":"2023-02-22T08:17:38","modified_gmt":"2023-02-22T08:17:38","slug":"yhdistelylaina","status":"publish","type":"page","link":"https:\/\/lenders.fi\/en\/aggregation-loan\/","title":{"rendered":"Cheapest consolidation loan"},"content":{"rendered":"<h1>Low-cost consolidation loan&nbsp;<\/h1>\n<p style=\"\">Loan consolidation is an easy way to reduce the cost of a loan. Find the cheapest consolidation loan in our comparison.<\/p>\n<ul>\n<li style=\"padding-bottom: 6px !important;\">                    <span style=\"\"><span style=\"\">Complete the loan application in 1 minute<\/span><\/span><\/li>\n<li style=\"padding-bottom: 6px !important;\">                    <span style=\"\">Choose the loan that best suits your needs<\/span><\/li>\n<li style=\"padding-bottom: 6px !important;\"><span style=\"\">Get your money in your account today!<\/span><\/li>\n<\/ul>\n<p data-pm-slice=\"1 1 []\">Have you suddenly noticed that, in addition to your monthly loan repayments, you are also paying significant amounts of various loan costs?<\/p>\n<p>The interest costs on credit card debt, quick loans and other unsecured loans can rise unnoticed, even more than the amount of the loan to be repaid.<\/p>\n<p>Although the new interest cap law means that expensive quick loans, with interest costs of up to thousands of percent at worst, are no longer available on the market, many Finns still have to pay off expensive unsecured loans taken out years ago.<\/p>\n<p>At worst, the cost of expensive loans can take up a significant part of your monthly budget, and if you fall behind on payments, your loan costs will only increase. Unpaid loans can lead to payment problems and even loss of credit, so it is worth trying to break the debt spiral well in advance before payment problems start to occur.<\/p>\n<p>One effective way to get rid of expensive short-term loans is to consolidate them. In this article, we'll tell you more about how to consolidate loans, where to apply for a consolidation loan and how to get an affordable consolidation loan.<\/p>\n<h2>What is a compound loan?<\/h2>\n<p>A bridging loan is a loan product designed to pool loans in order to pay off all your high-interest small loans and unsecured credits in one go.<\/p>\n<p>In practice, therefore, the benefit of pooling loans comes from the fact that the annual percentage rate of charge on the pooling loan is lower than on the previous loans.<\/p>\n<p>In addition, managing your finances becomes much easier when you only have to manage the cost of one loan instead of several different ones.<\/p>\n<p>So with a combined loan, you only pay the costs of one loan instead of several different loans.<\/p>\n<h3>A bridging loan can bring significant savings<\/h3>\n<p>Many people may be paying up to hundreds of euros a month in loan costs, not to mention repayments, without realising it.<\/p>\n<p>For example, the cost of servicing a single loan and service fees might be around \u20ac10 a month, so if you have five loans, you could be spending \u20ac50 a month on account management alone.<\/p>\n<p>With a bridging loan, on the other hand, you may only pay the overdraft fees on one loan.<\/p>\n<p>At best, a consolidation loan can save you up to hundreds of euros a month. So if you have several unsecured loans, it's worth looking into consolidation.<\/p>\n<p><span style=\"\"><img decoding=\"async\" alt=\"\" data-id=\"380\" data-init-width=\"500\" data-init-height=\"334\" title=\"\" loading=\"lazy\" src=\"http:\/\/lenders.fi\/wp-content\/uploads\/2022\/11\/shutterstock_2214651073.jpg\" data-width=\"422\" data-height=\"282\" data-link-wrap=\"true\" style=\"\" mt-d=\"0\" mt-m=\"0\" center-v-d=\"false\" mt-t=\"-32\" ml-t=\"0\" ml-m=\"0\" ml-d=\"0\" center-h-d=\"false\" width=\"422\" height=\"282\"><\/span><\/p>\n<h2 data-pm-slice=\"1 1 []\">The best aggregator is found by competitive tendering<\/h2>\n<p data-pm-slice=\"1 1 []\">While taking out a new loan on top of old debts can be a daunting prospect, combining loans can often be a viable solution to break the debt cycle.<\/p>\n<p>However, it is worth bearing in mind that if your ability to pay has deteriorated considerably, it is not worth applying for a bridging loan, but it is best to seek advice from a debt adviser.<\/p>\n<p>You should therefore start thinking about applying for a bridging loan well before the financial situation deteriorates.<\/p>\n<p><span style=\"\"><img decoding=\"async\" alt=\"\" data-id=\"381\" data-init-width=\"500\" data-init-height=\"334\" title=\"\" loading=\"lazy\" src=\"http:\/\/lenders.fi\/wp-content\/uploads\/2022\/11\/shutterstock_566835985.jpg\" data-width=\"422\" data-height=\"282\" data-link-wrap=\"true\" style=\"\" mt-d=\"0\" mt-m=\"0\" center-v-d=\"false\" mt-t=\"-32\" ml-t=\"0\" ml-m=\"0\" ml-d=\"0\" center-h-d=\"false\" width=\"422\" height=\"282\"><\/span><\/p>\n<h3 data-pm-slice=\"1 1 []\">The annual percentage rate of charge reflects the total cost of the loan<\/h3>\n<p>The easiest way to find out the real benefit of consolidating loans is to add up the interest costs of all your existing loans and compare them with the cost of the new consolidation loan.<\/p>\n<p>It is also worth competing for a consolidation loan, as the financial benefit of a new loan is lost if you take out a new loan that turns out to be as expensive as the total cost of your existing loans.<\/p>\n<p>In a comparison of combined loans, the cheapest loan can be found by checking how much the actual annual interest rate is for each loan.<\/p>\n<p><span style=\"\"><img decoding=\"async\" alt=\"\" data-id=\"382\" data-init-width=\"500\" data-init-height=\"334\" title=\"\" loading=\"lazy\" src=\"http:\/\/lenders.fi\/wp-content\/uploads\/2022\/11\/shutterstock_2071975127.jpg\" data-width=\"422\" data-height=\"282\" data-link-wrap=\"true\" style=\"\" mt-d=\"0\" mt-m=\"0\" center-v-d=\"false\" mt-t=\"-32\" ml-t=\"0\" ml-m=\"0\" ml-d=\"0\" center-h-d=\"false\" width=\"422\" height=\"282\"><\/span><\/p>\n<h3 data-pm-slice=\"1 1 []\">Competitive bidding to find the cheapest combiner<\/h3>\n<p data-pm-slice=\"1 1 []\">The best way to find out from which lender you would get the cheapest combination loan is to compete for loans through our comparison service.<\/p>\n<p>Using the service does not oblige you to take out a loan, and there is no cost for you to apply for a loan. You can easily get several different loan offers with one application.<\/p>\n<p>You can receive several loan offers from our partners in an instant and easily see which of the loan offers you receive is the most advantageous overall.<\/p>\n<p>So we take into account all loan costs, no matter how small, when comparing loans.<\/p>\n<h2 data-pm-slice=\"1 1 []\">It's easy to apply for a bridging loan online - without collateral<\/h2>\n<p>If you have made the decision to apply for a consolidation loan, you can submit a free loan application on our website at any time.<\/p>\n<p>When applying for a bridging loan, it is particularly important to make sure that the amount of the loan you apply for is sufficient to cover the total cost of all the loans you want to pay off with the new bridging loan.<\/p>\n<p>The financial advantage of a bridging loan is quickly eroded if, for example, credit card debt or instalments, which many people do not even know what debt is, are excluded from the loan.<\/p>\n<h3>Clear your existing loans before applying for a consolidation loan<\/h3>\n<p>So find out well in advance what kind of loans you have and how much you have accumulated before you apply for a consolidation loan.<\/p>\n<p>This will allow you to apply for a large enough loan amount to cover all your current high-cost loans.<\/p>\n<p>In many cases, you can also authorise the lender to pay off your existing loans for you with a new loan. So be sure to include details of all the loans you want to consolidate under the new loan in your loan application.<\/p>\n<h2 data-pm-slice=\"1 1 []\">The most affordable consolidation loan with flexible repayment terms<\/h2>\n<p data-pm-slice=\"1 1 []\">When applying for an affordable consolidation loan, it is also worth considering the repayment period for the new loan.<\/p>\n<p>The appropriate repayment period largely depends on each applicant's individual financial situation, so one and the same repayment period does not automatically suit everyone.<\/p>\n<p>A good rule of thumb is that the monthly instalment of a loan is appropriate if you have money left over for other living expenses after the mandatory expenses and loan repayments.<\/p>\n<h3 data-pm-slice=\"1 1 []\">Benefits and drawbacks of longer payment periods<\/h3>\n<p>A longer loan period gives you flexibility in your monthly payments, but also increases the total cost of the loan. A tighter repayment schedule, on the other hand, helps save on the overall cost of the loan, but may not be flexible when your finances get tight.<\/p>\n<p>Before you apply for a loan, you can estimate how much you would repay <a href=\"https:\/\/lenders.fi\/en\/loan\/\">Quoted from<\/a> in a month by changing the duration and amount of the loan.<\/p>\n<p>Keep in mind, however, that our loan calculator estimates are based on a sample interest rate, and you can find out your personal interest rate by filling in our free loan application on our comparison service.<\/p>\n<h2 data-pm-slice=\"1 1 []\">Affordable consolidation loans: frequently asked questions<\/h2>","protected":false},"excerpt":{"rendered":"<p>Low-cost consolidation loan Combining loans is an easy way to reduce the cost of a loan. Find the cheapest consolidation loan in our comparison. Complete the loan application in 1 minute Choose the loan that best suits your needs Get your money in your account today! Have you suddenly noticed that you're paying significant amounts in loan fees on top of your monthly loan repayments? The interest costs on credit card debt, instant loans and other unsecured loans can be even higher than the amount you have to pay back without you realising it. Although [...]<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-377","page","type-page","status-publish","hentry","post-wrapper","thrv_wrapper"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Halvin yhdistelylaina | Edullisin lainojen yhdist\u00e4minen Lenders.fi<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lenders.fi\/en\/aggregation-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Halvin yhdistelylaina | Edullisin lainojen yhdist\u00e4minen Lenders.fi\" \/>\n<meta property=\"og:description\" content=\"Edullinen yhdistelylaina&nbsp; Lainojen yhdist\u00e4minen on helppo tapa pienent\u00e4\u00e4 lainan kustannuksia. 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