{"id":7757,"date":"2020-07-23T15:25:05","date_gmt":"2020-07-23T13:25:05","guid":{"rendered":"http:\/\/www.smartfinans.fi\/?page_id=7757"},"modified":"2022-05-24T20:11:27","modified_gmt":"2022-05-24T18:11:27","slug":"kulutusluotto","status":"publish","type":"page","link":"https:\/\/www.smartfinans.fi\/kulutusluotto\/","title":{"rendered":"Kulutusluotto"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"7757\" class=\"elementor elementor-7757\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f28fae7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f28fae7\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1eb73e0\" data-id=\"1eb73e0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-585d476 elementor-widget elementor-widget-heading\" data-id=\"585d476\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kilpailutamme kulutusluoton vain minuuteissa.<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9341b5e elementor-widget elementor-widget-text-editor\" data-id=\"9341b5e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: center;\"><span style=\"color: #ffffff;\">Kaikki annetut tarjoukset ovat\u00a0voimassa <u>v\u00e4hint\u00e4\u00e4n<\/u> 30 vrk.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-section elementor-top-section elementor-element elementor-element-64d43a9 elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default\" data-id=\"64d43a9\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;background_background&quot;:&quot;classic&quot;}\" data-e-bg-lazyload=\"\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-d2bae03\" data-id=\"d2bae03\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ee772cb elementor-widget elementor-widget-heading\" data-id=\"ee772cb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kuinka paljon tarvitset luottoa?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7beeb28 elementor-widget__width-inherit elementor-widget-mobile__width-inherit elementor-widget elementor-widget-shortcode\" data-id=\"7beeb28\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\"><div class=\"pre-form\" id=\"lvs-pre-form\">\r\n<form class=\"ui form\" action=\"https:\/\/hakemus.smartfinans.fi\" method=\"post\" id=\"pre-form-to-send\">\r\n<div class=\"field loanAmount\">\r\n<label for=\"loanamount\">Lainasumma<\/label>\r\n<select style=\"    color: var( --e-global-color-secondary );\r\n    background-color: var( --e-global-color-308e809 );\r\n    border-style: solid;\r\n    border-width: 1px;\r\n    border-color: var( --e-global-color-308e809 );\r\n    border-radius: 30px 30px 30px 30px;\r\n-webkit-appearance: none; \r\n    -moz-appearance: none;\r\n    appearance: none;\" class=\"form-control\" name=\"loanamount\" id=\"loanamount\" onchange=\"updateRepaymentTimesAndPayment();\"><\/select>\r\n    <\/div>\r\n<div class=\"field loanPeriodInMonths\">\r\n<label for=\"repaymenttime\">Laina-aika<\/label>\r\n<select style=\"    color: var( --e-global-color-secondary );\r\n    background-color: var( --e-global-color-308e809 );\r\n    border-style: solid;\r\n    border-width: 1px;\r\n    border-color: var( --e-global-color-308e809 );\r\n    border-radius: 30px 30px 30px 30px;\r\n-webkit-appearance: none; \r\n    -moz-appearance: none;\r\n    appearance: none;\" class=\"form-control\" name=\"repaymenttime\" id=\"repaymenttime\" onchange=\"updatePayment();\"><\/select>\r\n    <\/div> \r\n<div class=\"field cost-info\" style=\"margin-top:10px;margin-bottom:15px;text-align:center;\">\r\n<label>Kuukausier\u00e4*<\/label>\r\n<div class=\"text-lg mb-3\" id=\"cost_monthly\" style=\"font-family:Roboto Slab,Sans-serif; font-size:40px; font-weight:500; line-height: 100%;\">276\u20ac<\/div>\r\n<\/div>\r\n<div class=\"field text firstname required\">\r\n<label>Etunimi<\/label>\r\n<input type=\"text\" name=\"firstname\">\r\n<\/div>\r\n<div class=\"field text lastname required\">\r\n<label>Sukunimi<\/label>\r\n<input type=\"text\" name=\"lastname\">\r\n<\/div>\r\n<div class=\"field text email required\">\r\n<label>S\u00e4hk\u00f6postiosoite<\/label>\r\n<input type=\"text\" name=\"email\" required>\r\n<\/div>\r\n<div class=\"field text puhelin required\">\r\n<label>Puhelinnumero<\/label>\r\n<input type=\"text\" name=\"puhelin\">\r\n<\/div>\r\n<div class=\"field checkbox\">\r\n<div class=\"checkbox-wrap required\" style=\"margin-top:10px;\">\r\n<label for=\"consent\"><input type=\"checkbox\" name=\"accept_terms\" id=\"consent\" class=\"required sm-form-control\" value=\"1\" required> Hyv\u00e4ksyn <a href=\"https:\/\/hakemus.smartfinans.fi\/kayttoehdot\/\" target=\"_blank\" rel=\"nofollow noopener\">k\u00e4ytt\u00f6ehdot<\/a> ja <a href=\"https:\/\/hakemus.smartfinans.fi\/tietosuojaseloste\/\" target=\"_blank\" rel=\"nofollow noopener\">tietosuojaselosteen<\/a> ja SmartFinans saa olla minuun yhteydess\u00e4 koskien lainatarjouksia.<\/label>\r\n<\/div>\r\n<\/div>\r\n<div class=\"field submit\" style=\"margin-top:10px;\">\r\n<input type=\"hidden\" name=\"form_id\" value=\"start\">\r\n<button type=\"submit\" id=\"submit-pre-form\" class=\"ui primary button\" style=\"font-size:150%;\">Hae lainaa \u00bb<\/button>\r\n\r\n<\/div>\r\n<\/form>\r\n<div class=\"form-description-text\" style=\"font-size:80%;line-height:120%;margin-top:10px;\">\r\n* Kuluttajansuojalain mukainen todellinen vuosikorko on 6,26% laskettuna tyypilliselle lainasummalle 10000\u20ac, kun takaisinmaksuaika on 5 vuotta, tilinhoitomaksu 5\u20ac, avausmaksu 0\u20ac ja esimerkkikorko 5,0%. Takaisinmaksettava summa on t\u00e4ll\u00f6in 11 623\u20ac, eli 193,71 \u20ac\/kk. Lopullinen todellisen vuosikoron m\u00e4\u00e4r\u00e4, laina-aika ja lainan kuukausier\u00e4 ovat lainasopimuksessa. Luotonantajat tekev\u00e4t lainasopimuksen asiakaskohtaiseen arvioon perustuen. Tarjottava nimelliskorko voi vaihdella v\u00e4lill\u00e4 4,19% - 20% ja vuosittaiset lainakustannukset v\u00e4lill\u00e4 0 - 150\u20ac. Tarjottava laina-aika vaihtelee 1-20 vuoden v\u00e4lill\u00e4. Tarjottavat lainasummat ovat 100\u20ac - 60000\u20ac.\r\n<\/div>\r\n<\/div>\r\n\r\n<script type=\"text\/javascript\">\r\n  const monthly_costs = 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updatePayment() {\r\n    var amount = document.getElementById('loanamount').value;\r\n    var time = document.getElementById('repaymenttime').value;\r\n    var cost_monthly = monthly_costs[amount][time];\r\n\r\n    document.getElementById('cost_monthly').innerHTML = cost_monthly + ' \u20ac';\r\n    \/\/ document.getElementById('cost').innerHTML = (cost_monthly * time - amount) + ' \u20ac';\r\n  }\r\n\r\n  function updateRepaymentTimesAndPayment() {\r\n      var amount = document.getElementById('loanamount').value;\r\n      refreshRepaymentTimes(amount);\r\n\r\n      updatePayment();\r\n  }\r\n\r\n\r\n\r\n  (function() {\r\n    \/\/Generate Loan amounts and repayment times\r\n    for(var key in monthly_costs) {\r\n      var opt = document.createElement('option');\r\n      opt.value = key;\r\n      opt.innerHTML = key + \"\u20ac\";\r\n\r\n      \/\/Generate repayment times for 20 00 default value\r\n      if(key == \"30000\") {\r\n        opt.selected = \"selected\";\r\n        refreshRepaymentTimes(key, 144);\r\n      }\r\n\r\n      document.getElementById(\"loanamount\").appendChild(opt);\r\n    }\r\n  })();\r\n\r\n\r\n<\/script><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-fdf2d0c\" data-id=\"fdf2d0c\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5970948 elementor-widget elementor-widget-heading\" data-id=\"5970948\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tee Hakemus - Saat tarjouksen heti<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2876e51 elementor-widget elementor-widget-text-editor\" data-id=\"2876e51\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Kilpailuta vakuudeton kulutusluotto ja nosta se tilillesi kokonaan verkossa.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27359ea elementor-widget elementor-widget-text-editor\" data-id=\"27359ea\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><b>Edellytykset tarjouksen saamiselle:<\/b><\/p><ol><li>Olet v\u00e4hint\u00e4\u00e4n 20-vuotias<\/li><li>Sinulla on s\u00e4\u00e4nn\u00f6lliset tulot<br \/>(palkka- tai el\u00e4ketulot)<\/li><li>Puhtaat luottotiedot<\/li><\/ol>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0cfdec0 elementor-widget elementor-widget-text-editor\" data-id=\"0cfdec0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Palvelun k\u00e4ytt\u00f6 on 100% ilmaista eik\u00e4 sido sinua mihink\u00e4\u00e4n. <b>Tarkista oma korkotasosi, ilman sitoumuksia.<\/b><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fdd8e6 elementor-align-left elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1fdd8e6\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-balance-scale-left\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Tarjous yli 20 pankin kesken kilpailutettuna<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">T\u00e4ysin ilman lis\u00e4kuluja<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">T\u00e4yt\u00e4 ensin maksuton hakemus ja valitse edullisin tarjous<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5354c63 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5354c63\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d34cf24\" data-id=\"d34cf24\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-300b376 elementor-widget elementor-widget-text-editor\" data-id=\"300b376\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Joustava ja nopea vaihtoehto saada edullista lainaa ilman vakuuksia. Sinun ei siis tarvitse laittaa vakuudeksi asuntoa, m\u00f6kki\u00e4 tai autoa. Puhtaat luottotiedot riitt\u00e4v\u00e4t ja lis\u00e4ksi vaaditaan riitt\u00e4v\u00e4t s\u00e4\u00e4nn\u00f6lliset tulot, kuten el\u00e4ke, palkka tai muu s\u00e4\u00e4nn\u00f6llinen korvaus. Kes\u00e4 ja kev\u00e4t ovat vuodenaikoja, jolloin talouksien rahantarve kasvaa merkitt\u00e4v\u00e4sti. Lomat, reissut, m\u00f6kki, auto ja kodin pikku remontit voivat tehd\u00e4 ik\u00e4v\u00e4n loven lompakkoon. Moni miettii kuinka voisi s\u00e4\u00e4st\u00e4\u00e4 arjen kuluis<\/p><p><strong style=\"font-size: 1rem;\">Kulutusluoton kilpailuttaminen<\/strong><\/p><p><span style=\"font-size: 1rem;\">Kun haet kulutusluoton SmartFinans.fi -palvelun kautta, voit yhdell\u00e4 hakemuksella hakea tarjouksen ja lainalupauksen useammalta pankilta ja luotonmy\u00f6nt\u00e4j\u00e4lt\u00e4. Lopuksi voit itse valitsa mieluisimman vaihtoehdon. Sin\u00e4 p\u00e4\u00e4t\u00e4t, me kilpailutamme sinulle kulutusluoton &#8211; 100% Ilmaiseksi.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Kilpailutamme kulutusluoton vain minuuteissa. Kaikki annetut tarjoukset ovat\u00a0voimassa v\u00e4hint\u00e4\u00e4n 30 vrk. Kuinka paljon tarvitset luottoa? Tee Hakemus &#8211; Saat tarjouksen [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"inline_featured_image":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"_links":{"self":[{"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/pages\/7757"}],"collection":[{"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/comments?post=7757"}],"version-history":[{"count":0,"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/pages\/7757\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/media?parent=7757"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}