{"id":7243,"date":"2019-09-02T09:02:23","date_gmt":"2019-09-02T07:02:23","guid":{"rendered":"http:\/\/www.smartfinans.fi\/?p=7243"},"modified":"2019-09-02T09:02:23","modified_gmt":"2019-09-02T07:02:23","slug":"kuluttajaluottojen-20-prosentin-korkokatto-astui-voimaan-1-9-2019","status":"publish","type":"post","link":"https:\/\/www.smartfinans.fi\/lainat\/kulutusluotto\/kuluttajaluottojen-20-prosentin-korkokatto-astui-voimaan-1-9-2019\/","title":{"rendered":"Kuluttajaluottojen 20 prosentin korkokatto astui voimaan 1.9.2019"},"content":{"rendered":"<p class=\"sc-1kqvxer-0 hnpwxW\">Kulutusluottojen hintaa rankasti rajoittavan s\u00e4\u00e4ntelyn on vihdoin tarkoitus ehk\u00e4ist\u00e4 suomalaisten kasvavaa velkaongelmaa. Samalla korkokaton on m\u00e4\u00e4r\u00e4 edist\u00e4\u00e4 luottojen hinnoittelun l\u00e4pin\u00e4kyvyytt\u00e4 ja helpottaa lain noudattamisen valvontaa v\u00e4rikk\u00e4\u00e4ss\u00e4 lainaviidakossa, jota on jo yritetty hallita asettamalla rajoituksia luottojen koroille, mutta aikaisempi linjaus koski vain alle 2000 euron kulutusluottoja.<\/p>\n<p class=\"sc-1kqvxer-0 hnpwxW\"><i>Kuluttajavirasto <\/i>neuvoo: \u201dJos on ottanut kalliin luoton, kannattaa yritt\u00e4\u00e4 korvata se edullisemmalla, eik\u00e4 vanhoista kalliista luotoista kannata tehd\u00e4 uusia nostoja\u201d<\/p>\n<p class=\"sc-1kqvxer-0 hnpwxW\">Syyskuun 2019 alusta kuluttajalle my\u00f6nnetylle kulutusluotolle ei saa sopimuksella asettaa yli 20 prosentin korkoa. My\u00f6s muita luoton kustannuksia kuin korkokuluja rajoitetaan 1.9.2019 alkaen. Laki m\u00e4\u00e4rittelee jatkossa my\u00f6s, kuinka paljon maksuajan pident\u00e4misest\u00e4 saa peri\u00e4 kuluja.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kulutusluottojen hintaa rankasti rajoittavan s\u00e4\u00e4ntelyn on vihdoin tarkoitus ehk\u00e4ist\u00e4 suomalaisten kasvavaa velkaongelmaa. Samalla korkokaton on m\u00e4\u00e4r\u00e4 edist\u00e4\u00e4 luottojen hinnoittelun l\u00e4pin\u00e4kyvyytt\u00e4 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7113,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","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":""},"categories":[50],"tags":[52,53,51],"_links":{"self":[{"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/posts\/7243"}],"collection":[{"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/types\/post"}],"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=7243"}],"version-history":[{"count":0,"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/posts\/7243\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/media\/7113"}],"wp:attachment":[{"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/media?parent=7243"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/categories?post=7243"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/tags?post=7243"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}