{"id":2502,"date":"2026-10-23T01:49:46","date_gmt":"2026-10-22T23:49:46","guid":{"rendered":"https:\/\/eklik.co\/?page_id=2502"},"modified":"2026-10-23T01:54:57","modified_gmt":"2026-10-22T23:54:57","slug":"lanekalkulator","status":"publish","type":"page","link":"https:\/\/eklik.co\/no\/lanekalkulator\/","title":{"rendered":"L\u00e5nekalkulator: regn ut terminbel\u00f8p, renter og nedbetalingsplan"},"content":{"rendered":"<h1>L\u00e5nekalkulator: regn ut terminbel\u00f8p, renter og nedbetalingsplan<\/h1>\n<p>Skriv inn l\u00e5nebel\u00f8p, rente og nedbetalingstid, s\u00e5 ser du med en gang det m\u00e5nedlige terminbel\u00f8pet, summen av renter og et anslag p\u00e5 effektiv rente. Kalkulatoren passer for forbruksl\u00e5n, bill\u00e5n og boligl\u00e5n, som annuitetsl\u00e5n eller seriel\u00e5n.<\/p>\n<div class=\"ekl\" id=\"ekl-no\" data-ekl=\"{&quot;fmt&quot;:[&quot;,&quot;,&quot;\\u00a0&quot;,&quot;kr&quot;,&quot;after&quot;,&quot;\\u00a0&quot;,&quot;\\u00a0&quot;],&quot;s&quot;:{&quot;amount&quot;:&quot;L\\u00e5nebel\\u00f8p&quot;,&quot;rate&quot;:&quot;Rente&quot;,&quot;rate_sub&quot;:&quot;nominell, per \\u00e5r&quot;,&quot;term&quot;:&quot;Nedbetalingstid&quot;,&quot;y&quot;:&quot;\\u00e5r&quot;,&quot;m&quot;:&quot;mnd.&quot;,&quot;years&quot;:&quot;\\u00c5r&quot;,&quot;months&quot;:&quot;M\\u00e5neder&quot;,&quot;type&quot;:&quot;L\\u00e5netype&quot;,&quot;ann&quot;:&quot;Annuitetsl\\u00e5n&quot;,&quot;ann_sub&quot;:&quot;like terminbel\\u00f8p&quot;,&quot;lin&quot;:&quot;Seriel\\u00e5n&quot;,&quot;lin_sub&quot;:&quot;terminbel\\u00f8pet synker&quot;,&quot;fee&quot;:&quot;Etableringsgebyr&quot;,&quot;fee_sub&quot;:&quot;valgfritt, % av bel\\u00f8pet&quot;,&quot;payment&quot;:&quot;M\\u00e5nedlig terminbel\\u00f8p&quot;,&quot;first&quot;:&quot;F\\u00f8rste terminbel\\u00f8p&quot;,&quot;last&quot;:&quot;Siste terminbel\\u00f8p&quot;,&quot;interest&quot;:&quot;Sum renter&quot;,&quot;fee_amt&quot;:&quot;Etableringsgebyr&quot;,&quot;total&quot;:&quot;Totalt \\u00e5 betale&quot;,&quot;eff&quot;:&quot;effektiv rente (anslag)&quot;,&quot;eff_note&quot;:&quot;Anslaget for effektiv rente omfatter renter og etableringsgebyr, uten forsikring og andre kostnader.&quot;,&quot;plan&quot;:&quot;Nedbetalingsplan&quot;,&quot;by_y&quot;:&quot;Per \\u00e5r&quot;,&quot;by_m&quot;:&quot;Per m\\u00e5ned&quot;,&quot;c_y&quot;:&quot;\\u00c5r&quot;,&quot;c_m&quot;:&quot;M\\u00e5ned&quot;,&quot;c_pay&quot;:&quot;Betalt&quot;,&quot;c_pr&quot;:&quot;Avdrag&quot;,&quot;c_in&quot;:&quot;Renter&quot;,&quot;c_bal&quot;:&quot;Restgjeld&quot;,&quot;split&quot;:&quot;Fordeling avdrag og renter&quot;,&quot;err&quot;:&quot;Kontroller verdiene: bel\\u00f8p over 0, rente 0\\u201330 % og nedbetalingstid 1\\u201340 \\u00e5r.&quot;,&quot;note&quot;:&quot;Veiledende beregning. Faktisk terminbel\\u00f8p avhenger av bankens tilbud, utbetalingsdato og andre kostnader.&quot;,&quot;copy&quot;:&quot;Kopier resultatet&quot;,&quot;copied&quot;:&quot;Kopiert&quot;,&quot;csv&quot;:&quot;Last ned plan (CSV)&quot;},&quot;cc&quot;:&quot;NO&quot;}\" lang=\"nb-NO\">\r\n\t<form class=\"ekl-calc\" autocomplete=\"off\" novalidate onsubmit=\"return false\">\r\n\t\t<div class=\"ekl-in\">\r\n\t\t\t<div class=\"ekl-field\">\r\n\t\t\t\t<label class=\"ekl-label\" for=\"ekl-no-amount\">L\u00e5nebel\u00f8p<\/label>\r\n\t\t\t\t<div class=\"ekl-input\"><input id=\"ekl-no-amount\" data-f=\"amount\" type=\"text\" inputmode=\"decimal\" value=\"200\u00a0000\"><span class=\"ekl-unit\">kr<\/span><\/div>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"ekl-two\">\r\n\t\t\t\t<div class=\"ekl-field\">\r\n\t\t\t\t\t<label class=\"ekl-label\" for=\"ekl-no-rate\">Rente <small>nominell, per \u00e5r<\/small><\/label>\r\n\t\t\t\t\t<div class=\"ekl-input\"><input id=\"ekl-no-rate\" data-f=\"rate\" type=\"text\" inputmode=\"decimal\" value=\"6\"><span class=\"ekl-unit\">%<\/span><\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"ekl-field\">\r\n\t\t\t\t\t<label class=\"ekl-label\" for=\"ekl-no-term\">Nedbetalingstid<\/label>\r\n\t\t\t\t\t<div class=\"ekl-input\"><input id=\"ekl-no-term\" data-f=\"term\" type=\"text\" inputmode=\"numeric\" value=\"5\">\r\n\t\t\t\t\t\t<select data-f=\"unit\" aria-label=\"Nedbetalingstid\"><option value=\"y\" selected>\u00c5r<\/option><option value=\"m\">M\u00e5neder<\/option><\/select>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"ekl-presets\" role=\"group\" aria-label=\"Nedbetalingstid\">\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset\" data-years=\"3\">3 \u00e5r<\/button>\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset is-on\" data-years=\"5\">5 \u00e5r<\/button>\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset\" data-years=\"10\">10 \u00e5r<\/button>\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset\" data-years=\"15\">15 \u00e5r<\/button>\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset\" data-years=\"20\">20 \u00e5r<\/button>\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset\" data-years=\"25\">25 \u00e5r<\/button>\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset\" data-years=\"30\">30 \u00e5r<\/button>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t<fieldset class=\"ekl-field\">\r\n\t\t\t\t<legend class=\"ekl-label\">L\u00e5netype<\/legend>\r\n\t\t\t\t<div class=\"ekl-seg\">\r\n\t\t\t\t\t<input type=\"radio\" name=\"ekl-no-type\" id=\"ekl-no-ann\" value=\"ann\" checked>\r\n\t\t\t\t\t<label for=\"ekl-no-ann\">Annuitetsl\u00e5n<small>like terminbel\u00f8p<\/small><\/label>\r\n\t\t\t\t\t<input type=\"radio\" name=\"ekl-no-type\" id=\"ekl-no-lin\" value=\"lin\">\r\n\t\t\t\t\t<label for=\"ekl-no-lin\">Seriel\u00e5n<small>terminbel\u00f8pet synker<\/small><\/label>\r\n\t\t\t\t<\/div>\r\n\t\t\t<\/fieldset>\r\n\t\t\t<div class=\"ekl-field ekl-field--fee\">\r\n\t\t\t\t<label class=\"ekl-label\" for=\"ekl-no-fee\">Etableringsgebyr <small>valgfritt, % av bel\u00f8pet<\/small><\/label>\r\n\t\t\t\t<div class=\"ekl-input ekl-input--sm\"><input id=\"ekl-no-fee\" data-f=\"fee\" type=\"text\" inputmode=\"decimal\" value=\"0\"><span class=\"ekl-unit\">%<\/span><\/div>\r\n\t\t\t<\/div>\r\n\t\t\t<p class=\"ekl-err\" role=\"alert\" hidden>Kontroller verdiene: bel\u00f8p over 0, rente 0\u201330 % og nedbetalingstid 1\u201340 \u00e5r.<\/p>\r\n\t\t<\/div>\r\n\t\t<div class=\"ekl-out\" aria-live=\"polite\">\r\n\t\t\t<div class=\"ekl-hero\">\r\n\t\t\t\t<span class=\"ekl-hero__k\" data-o=\"pay_label\">M\u00e5nedlig terminbel\u00f8p<\/span>\r\n\t\t\t\t<span class=\"ekl-hero__v\" data-o=\"pay\">3\u00a0866,56\u00a0kr<\/span>\r\n\t\t\t\t<span class=\"ekl-hero__sub\" data-o=\"pay_sub\"><\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<dl class=\"ekl-sum\">\r\n\t\t\t\t<div><dt>Sum renter<\/dt><dd data-o=\"interest\">31\u00a0993,60\u00a0kr<\/dd><\/div>\r\n\t\t\t\t<div data-o=\"fee_row\" hidden><dt>Etableringsgebyr<\/dt><dd data-o=\"fee\">0,00\u00a0kr<\/dd><\/div>\r\n\t\t\t\t<div><dt>Totalt \u00e5 betale<\/dt><dd data-o=\"total\">231\u00a0993,60\u00a0kr<\/dd><\/div>\r\n\t\t\t\t<div><dt>effektiv rente (anslag)<\/dt><dd data-o=\"eff\">6,17\u00a0%<\/dd><\/div>\r\n\t\t\t<\/dl>\r\n\t\t\t<div class=\"ekl-bar\" role=\"img\" aria-label=\"Fordeling avdrag og renter\">\r\n\t\t\t\t<span class=\"ekl-bar__p\" data-o=\"bar_p\" style=\"width:86.21%\"><\/span><span class=\"ekl-bar__i\" data-o=\"bar_i\" style=\"width:13.79%\"><\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"ekl-legend\"><span><i class=\"ekl-dot ekl-dot--p\"><\/i>Avdrag <b data-o=\"leg_p\">200\u00a0000,00\u00a0kr<\/b><\/span><span><i class=\"ekl-dot ekl-dot--i\"><\/i>Renter <b data-o=\"leg_i\">31\u00a0993,60\u00a0kr<\/b><\/span><\/div>\r\n\t\t\t<p class=\"ekl-note\">Anslaget for effektiv rente omfatter renter og etableringsgebyr, uten forsikring og andre kostnader.<\/p>\r\n\t\t\t<div class=\"ekl-actions\"><button type=\"button\" class=\"ekl-btn\" data-a=\"copy\">Kopier resultatet<\/button><button type=\"button\" class=\"ekl-btn\" data-a=\"csv\">Last ned plan (CSV)<\/button><\/div>\r\n\t\t<\/div>\r\n\t<\/form>\r\n\t<div class=\"ekl-plan\">\r\n\t\t<div class=\"ekl-plan__head\">\r\n\t\t\t<h3 class=\"ekl-plan__title\">Nedbetalingsplan<\/h3>\r\n\t\t\t<div class=\"ekl-tabs\" role=\"tablist\">\r\n\t\t\t\t<button type=\"button\" role=\"tab\" aria-selected=\"true\" data-view=\"y\">Per \u00e5r<\/button><button type=\"button\" role=\"tab\" aria-selected=\"false\" data-view=\"m\">Per m\u00e5ned<\/button>\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t<div class=\"ekl-table-wrap\" tabindex=\"0\">\r\n\t\t\t<table class=\"ekl-table\">\r\n\t\t\t\t<thead><tr><th scope=\"col\" data-o=\"col_p\">\u00c5r<\/th><th scope=\"col\">Betalt<\/th><th scope=\"col\">Avdrag<\/th><th scope=\"col\">Renter<\/th><th scope=\"col\">Restgjeld<\/th><\/tr><\/thead>\r\n\t\t\t\t<tbody data-o=\"tbody\">\r\n\t\t\t\t\t\t\t\t\t<tr><td>1<\/td><td>46\u00a0398,72\u00a0kr<\/td><td>35\u00a0360,63\u00a0kr<\/td><td>11\u00a0038,09\u00a0kr<\/td><td>164\u00a0639,37\u00a0kr<\/td><\/tr>\r\n\t\t\t\t\t\t\t\t\t<tr><td>2<\/td><td>46\u00a0398,72\u00a0kr<\/td><td>37\u00a0541,59\u00a0kr<\/td><td>8\u00a0857,13\u00a0kr<\/td><td>127\u00a0097,78\u00a0kr<\/td><\/tr>\r\n\t\t\t\t\t\t\t\t\t<tr><td>3<\/td><td>46\u00a0398,72\u00a0kr<\/td><td>39\u00a0857,08\u00a0kr<\/td><td>6\u00a0541,64\u00a0kr<\/td><td>87\u00a0240,70\u00a0kr<\/td><\/tr>\r\n\t\t\t\t\t\t\t\t\t<tr><td>4<\/td><td>46\u00a0398,72\u00a0kr<\/td><td>42\u00a0315,40\u00a0kr<\/td><td>4\u00a0083,32\u00a0kr<\/td><td>44\u00a0925,30\u00a0kr<\/td><\/tr>\r\n\t\t\t\t\t\t\t\t\t<tr><td>5<\/td><td>46\u00a0398,72\u00a0kr<\/td><td>44\u00a0925,30\u00a0kr<\/td><td>1\u00a0473,42\u00a0kr<\/td><td>0,00\u00a0kr<\/td><\/tr>\r\n\t\t\t\t\t\t\t\t<\/tbody>\r\n\t\t\t<\/table>\r\n\t\t<\/div>\r\n\t\t<p class=\"ekl-note\">Veiledende beregning. Faktisk terminbel\u00f8p avhenger av bankens tilbud, utbetalingsdato og andre kostnader.<\/p>\r\n\t<\/div>\r\n<\/div>\r\n\t\n<h2>Slik regnes terminbel\u00f8pet ut<\/h2>\n<p>I et annuitetsl\u00e5n er alle terminbel\u00f8pene like store. Terminbel\u00f8pet regnes ut med formelen:<\/p>\n<p><strong>T = L \u00d7 r \u00d7 (1 + r)<sup>n<\/sup> \/ ((1 + r)<sup>n<\/sup> \u2212 1)<\/strong><\/p>\n<ul>\n<li><strong>L<\/strong> er l\u00e5nebel\u00f8pet,<\/li>\n<li><strong>r<\/strong> er m\u00e5nedsrenten, alts\u00e5 den nominelle \u00e5rsrenten delt p\u00e5 12,<\/li>\n<li><strong>n<\/strong> er antall m\u00e5nedlige terminer.<\/li>\n<\/ul>\n<p><strong>Eksempel:<\/strong> et l\u00e5n p\u00e5 200 000 kr med 6 % rente og 5 \u00e5rs nedbetalingstid (60 terminer) gir et terminbel\u00f8p p\u00e5 3 866,56 kr. Du betaler 31 993,60 kr i renter, alts\u00e5 231 993,60 kr til sammen med l\u00e5nebel\u00f8pet.<\/p>\n<p>Hvert terminbel\u00f8p best\u00e5r av renter og avdrag. I starten er rentedelen st\u00f8rst, og etter hvert som gjelden synker, g\u00e5r en stadig st\u00f8rre del til avdrag. Nedbetalingsplanen under kalkulatoren viser n\u00f8yaktig fordeling.<\/p>\n<h2>Annuitetsl\u00e5n eller seriel\u00e5n<\/h2>\n<p>I et <strong>annuitetsl\u00e5n<\/strong> er terminbel\u00f8pet det samme gjennom hele l\u00f8petiden, noe som gj\u00f8r det enkelt \u00e5 planlegge \u00f8konomien. I et <strong>seriel\u00e5n<\/strong> betaler du like store avdrag hver m\u00e5ned, s\u00e5 det f\u00f8rste terminbel\u00f8pet er h\u00f8yest og synker deretter gradvis.<\/p>\n<p>I samme eksempel (200 000 kr, 6 %, 5 \u00e5r) er f\u00f8rste terminbel\u00f8p for seriel\u00e5n 4 333,33 kr og det siste 3 350,20 kr. Summen av renter blir 30 500,00 kr, som er 1 493,60 kr mindre enn med annuitetsl\u00e5n, fordi gjelden synker raskere.<\/p>\n<h2>Nominell rente og effektiv rente<\/h2>\n<p>Den nominelle renten brukes til \u00e5 beregne rentekostnaden. Den <strong>effektive renten<\/strong> viser den reelle \u00e5rlige kostnaden ved l\u00e5net: den tar hensyn til at renten betales m\u00e5nedlig og til gebyrer som etableringsgebyr. Derfor er den alltid noe h\u00f8yere enn den nominelle renten.<\/p>\n<p>Med 6 % nominell rente og m\u00e5nedlige terminer er den effektive renten om lag 6,17 %. Med et etableringsgebyr p\u00e5 1 % (2 000,00 kr) stiger den til om lag 6,61 %. Sammenlign derfor alltid l\u00e5netilbud ut fra effektiv rente.<\/p>\n<h2>Terminbel\u00f8p for et boligl\u00e5n p\u00e5 1 000 000 kr<\/h2>\n<p>Tabellen viser m\u00e5nedlig terminbel\u00f8p for et annuitetsl\u00e5n p\u00e5 1 000 000 kr ved ulike renter og nedbetalingstider.<\/p>\n<table>\n<thead>\n<tr>\n<th>Rente<\/th>\n<th>20 \u00e5r<\/th>\n<th>25 \u00e5r<\/th>\n<th>30 \u00e5r<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>3 %<\/td>\n<td>5 545,98 kr<\/td>\n<td>4 742,11 kr<\/td>\n<td>4 216,04 kr<\/td>\n<\/tr>\n<tr>\n<td>4 %<\/td>\n<td>6 059,80 kr<\/td>\n<td>5 278,37 kr<\/td>\n<td>4 774,15 kr<\/td>\n<\/tr>\n<tr>\n<td>5 %<\/td>\n<td>6 599,56 kr<\/td>\n<td>5 845,90 kr<\/td>\n<td>5 368,22 kr<\/td>\n<\/tr>\n<tr>\n<td>6 %<\/td>\n<td>7 164,31 kr<\/td>\n<td>6 443,01 kr<\/td>\n<td>5 995,51 kr<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Lengre nedbetalingstid gir lavere terminbel\u00f8p, men mye h\u00f8yere samlede renter. For 1 000 000 kr over 25 \u00e5r med 4 % rente blir terminbel\u00f8pet 5 278,37 kr og summen av renter 583 510,21 kr.<\/p>\n<h2>Fast eller flytende rente<\/h2>\n<p>Med fast rente er renten den samme i hele den avtalte perioden, og terminbel\u00f8pet er forutsigbart. Flytende rente kan endres og p\u00e5virker dermed terminbel\u00f8pet. I Norge har de fleste boligl\u00e5n flytende rente, som banken kan endre etter varsel, ofte etter endringer i Norges Banks styringsrente.<\/p>\n<h2>Dette b\u00f8r du sjekke f\u00f8r du tar opp l\u00e5n<\/h2>\n<ul>\n<li>Sammenlign effektiv rente hos ulike l\u00e5ngivere, ikke bare den nominelle renten.<\/li>\n<li>Kontroller alle kostnader: etableringsgebyr, termingebyr, forsikring og tinglysing.<\/li>\n<li>Unders\u00f8k vilk\u00e5rene for f\u00f8rtidig innfrielse og eventuelle kostnader ved det.<\/li>\n<li>Ha en buffer i budsjettet i tilfelle renten \u00f8ker.<\/li>\n<\/ul>\n<p>Mer om dine rettigheter som l\u00e5ntaker finner du hos <a href=\"https:\/\/www.finanstilsynet.no\/\" target=\"_blank\" rel=\"noopener\">Finanstilsynet<\/a>.<\/p>\n<p><em>Veiledende beregning. Faktisk terminbel\u00f8p, effektiv rente og nedbetalingsplan fremg\u00e5r av l\u00e5netilbudet og l\u00e5neavtalen.<\/em><\/p>\n<section class=\"eklik-faq\" id=\"cesta-pitanja\"><h2>Ofte stilte sp\u00f8rsm\u00e5l<\/h2><div class=\"eklik-faq__item\"><h3 class=\"eklik-faq__q\">Hvordan regner jeg ut terminbel\u00f8pet p\u00e5 et l\u00e5n?<\/h3><div class=\"eklik-faq__a\"><p>For et annuitetsl\u00e5n brukes formelen T = L \u00d7 r \u00d7 (1 + r)^n \/ ((1 + r)^n \u2212 1), der L er l\u00e5nebel\u00f8pet, r m\u00e5nedsrenten (\u00e5rsrenten delt p\u00e5 12) og n antall terminer. Kalkulatoren p\u00e5 denne siden regner det ut automatisk.<\/p><\/div><\/div><div class=\"eklik-faq__item\"><h3 class=\"eklik-faq__q\">Hva blir terminbel\u00f8pet for 200 000 kr over 5 \u00e5r?<\/h3><div class=\"eklik-faq__a\"><p>Med 6 % rente og annuitetsl\u00e5n blir terminbel\u00f8pet 3 866,56 kr. Summen av renter er 31 993,60 kr, og totalt betaler du tilbake 231 993,60 kr.<\/p><\/div><\/div><div class=\"eklik-faq__item\"><h3 class=\"eklik-faq__q\">Hva er effektiv rente?<\/h3><div class=\"eklik-faq__a\"><p>Effektiv rente viser den reelle \u00e5rlige kostnaden ved et l\u00e5n, inkludert m\u00e5nedlig rente og gebyrer. Med 6 % nominell rente og 1 % etableringsgebyr er den om lag 6,61 %.<\/p><\/div><\/div><div class=\"eklik-faq__item\"><h3 class=\"eklik-faq__q\">Annuitetsl\u00e5n eller seriel\u00e5n \u2013 hva l\u00f8nner seg?<\/h3><div class=\"eklik-faq__a\"><p>Annuitetsl\u00e5n gir like terminbel\u00f8p og er enklere \u00e5 planlegge. Seriel\u00e5n gir h\u00f8yere terminbel\u00f8p i starten, men lavere samlede renter. For 200 000 kr over 5 \u00e5r med 6 % er forskjellen 1 493,60 kr.<\/p><\/div><\/div><div class=\"eklik-faq__item\"><h3 class=\"eklik-faq__q\">Hva koster et boligl\u00e5n p\u00e5 1 000 000 kr i m\u00e5neden over 25 \u00e5r?<\/h3><div class=\"eklik-faq__a\"><p>Med 4 % rente blir terminbel\u00f8pet 5 278,37 kr og summen av renter 583 510,21 kr. Med 5 % blir det 5 845,90 kr i m\u00e5neden.<\/p><\/div><\/div><div class=\"eklik-faq__item\"><h3 class=\"eklik-faq__q\">Hvor mye sparer du med ett prosentpoeng lavere rente?<\/h3><div class=\"eklik-faq__a\"><p>For 1 000 000 kr over 25 \u00e5r senker 4 % i stedet for 5 % rente terminbel\u00f8pet med 567,53 kr og summen av renter med 170 260,06 kr.<\/p><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>L\u00e5nekalkulator: regn ut terminbel\u00f8p, renter og nedbetalingsplan Skriv inn l\u00e5nebel\u00f8p, rente og nedbetalingstid, s\u00e5 ser du med en gang det m\u00e5nedlige terminbel\u00f8pet, summen av renter og et anslag p\u00e5 effektiv rente. Kalkulatoren passer for forbruksl\u00e5n, bill\u00e5n og boligl\u00e5n, som annuitetsl\u00e5n eller seriel\u00e5n. Slik regnes terminbel\u00f8pet ut I et annuitetsl\u00e5n er alle terminbel\u00f8pene like store. 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