{"id":9409,"date":"2021-04-08T20:34:06","date_gmt":"2021-04-08T18:34:06","guid":{"rendered":"https:\/\/www.smartfinans.fi\/?p=9409"},"modified":"2021-04-18T12:43:06","modified_gmt":"2021-04-18T10:43:06","slug":"jarjestelylaina-vai-yhdistelylaina","status":"publish","type":"post","link":"https:\/\/www.smartfinans.fi\/lainat\/jarjestelylaina-vai-yhdistelylaina\/","title":{"rendered":"J\u00e4rjestelylaina vai Yhdistelylaina?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"9409\" class=\"elementor elementor-9409\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e15ed5c elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-phone elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e15ed5c\" 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-d8bf924\" data-id=\"d8bf924\" 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-1cca464 elementor-widget elementor-widget-text-editor\" data-id=\"1cca464\" 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<h2 class=\"has-text-align-center first-section\"><span style=\"color: var( --e-global-color-primary );\">Yhdistelylainojen korot nyt alk. 4% ja korkeintaan 10%<br \/><\/span><span style=\"font-size: 16px;\">Korkokatto voimassa 31.9.2021 saakka, jonka j\u00e4lkeen korkotaso sopimuksen mukainen.<\/span><\/h2>\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-9f1b182 elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default\" data-id=\"9f1b182\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;animation_mobile&quot;:&quot;none&quot;}\" data-e-bg-lazyload=\".elementor-background-overlay\">\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-3d50e89\" data-id=\"3d50e89\" 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\t<div class=\"elementor-element elementor-element-d1756ee elementor-widget elementor-widget-heading\" data-id=\"d1756ee\" 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 vanhoja velkoja haluat yhdistell\u00e4 uudeksi edullisemmaksi kokonaisuudeksi?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87c3ded elementor-widget__width-inherit elementor-widget-mobile__width-inherit elementor-widget elementor-widget-shortcode\" data-id=\"87c3ded\" 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\"><script>\r\n\r\nfunction getParamsFrontpage( name ) {\r\n\tvar url = window.location.search.replace(\"?\", \"\");\r\n\tvar request = {};\r\n\tvar pairs = url.substring(url.indexOf('?') + 1).split('&');\r\n\tfor (var i = 0; i < pairs.length; i++) {\r\n\t\tif(!pairs[i])\r\n\t\tcontinue;\r\n\t\tvar pair = pairs[i].split('=');\r\n\t\trequest[decodeURIComponent(pair[0])] = decodeURIComponent(pair[1]);\r\n\t}\r\n\tif( typeof(request[name]) == \"undefined\") {\r\n\t\treturn \"\";\r\n\t} else {\r\n\t\treturn request[name];\r\n\t}\r\n}\r\n\r\nvar salusgroup = {\"publisher\":{}, \"prefill\":{}};\r\n\r\n\/\/ if (ga.getAll()[0].get('clientId') != '') {\r\n\/\/\tsalusgroup.publisher.pubid_reference = ga.getAll()[0].get('clientId');\r\n\/\/ }\t\r\n\r\nif (getParamsFrontpage(\"sub\")!='') {\r\nsalusgroup.publisher.pubidsub1 = getParamsFrontpage(\"sub\");\r\n}\r\n\r\nif (getParamsFrontpage(\"sub2\")!='') {\r\n\tsalusgroup.publisher.pubidsub2 = getParamsFrontpage(\"sub2\");\r\n}\r\n\r\nif (getParamsFrontpage(\"sub3\")!='') {\r\n\tsalusgroup.publisher.pubidsub3 = getParamsFrontpage(\"sub3\");\r\n}\r\n\r\n\tif (getParamsFrontpage(\"sub4\")!='') {\r\n\tsalusgroup.publisher.pubidsub4 = getParamsFrontpage(\"sub4\");\r\n}\r\n\r\nif (getParamsFrontpage(\"fbclid\")!='') {\r\n\tsalusgroup.publisher.pubid_reference = getParamsFrontpage(\"fbclid\");\r\n}\r\n\r\nif (getParamsFrontpage(\"fbclid\")!='') {\r\n\tsalusgroup.publisher.pubidsub1 = 'facebook';\r\n}\t\r\n\r\nif (getParamsFrontpage(\"gclid\")!='') {\r\n\tsalusgroup.publisher.pubidsub1 = 'google';\r\n}\r\n\r\nif (getParamsFrontpage(\"utm_source\")=='google') {\r\n\tsalusgroup.publisher.pubidsub1 = 'google';\r\n}\r\n\r\nif (getParamsFrontpage(\"gclid\")!='') {\r\n\tsalusgroup.publisher.pubid_reference = getParamsFrontpage(\"gclid\");\r\n}\r\n\t\r\n<\/script>\r\n\r\n\r\n<script async src=\"https:\/\/salus.group\/forms\/salusgroup_forms_min.js?token=fi_6555_frontpage_smartfinans_fi\"><\/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-847213a\" data-id=\"847213a\" 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-3e5e0a7 elementor-widget elementor-widget-heading\" data-id=\"3e5e0a7\" 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\">Yhdistelylainan hakeminen<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d7d7a6 elementor-widget elementor-widget-text-editor\" data-id=\"8d7d7a6\" 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 yhdistelylaina ja nosta laina 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-1c4d175 elementor-widget elementor-widget-text-editor\" data-id=\"1c4d175\" 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 lainatarjouksen 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-f485ecc elementor-widget elementor-widget-text-editor\" data-id=\"f485ecc\" 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 uusi korkotasosi yhdistelylainalle, 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-9687f6f elementor-align-left elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"9687f6f\" 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 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-71c746c elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-phone elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"71c746c\" 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-a7b0741\" data-id=\"a7b0741\" 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-c15a542 elementor-widget elementor-widget-text-editor\" data-id=\"c15a542\" 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 class=\"has-text-align-center first-section\"><span style=\"font-size: 16px;\">Moni sekoittaa n\u00e4m\u00e4 kaksi kesken\u00e4\u00e4n. T\u00e4ss\u00e4 lainojen erot lyhyesti.<\/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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4ec9a36f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4ec9a36f\" data-element_type=\"section\">\n\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-3abc1c63\" data-id=\"3abc1c63\" 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-2ee71e7d elementor-widget elementor-widget-text-editor\" data-id=\"2ee71e7d\" 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>J\u00e4rjestelylainan ja Yhdistelylainan eroja ei yleisesti viel\u00e4 t\u00e4ysin tunneta. Halusimme selvent\u00e4\u00e4 asiaa ja t\u00e4ss\u00e4 tiivistettyn\u00e4 n\u00e4iden kahden lainamuodon p\u00e4\u00e4piirteet ja k\u00e4ytt\u00f6tarkoitukset.<\/p><p>Yhdistelylaina eli <a href=\"https:\/\/www.smartfinans.fi\/lainojen-yhdistaminen\/\">Lainojen Yhdist\u00e4minen<\/a> on ollut pinnalla jo hyv\u00e4n aikaa. Lainojen yhdist\u00e4misprosessiin liittyvist\u00e4 <b><i>vakuudettomista kulutusluotoista, luotoista, lainoista ja muista rahoitusmuodoista k\u00e4ytet\u00e4\u00e4n useita eri termej\u00e4.<\/i><\/b> Kuluttajan voikin olla vaikea tai jopa mahdoton itse hahmottaa, millainen laina on kyseess\u00e4, vaikka h\u00e4n omin avuin perehtyisikin eri vaihtoehtoihin. Esimerkiksi vanhan luoton papereista ei v\u00e4ltt\u00e4m\u00e4tt\u00e4 suoraan k\u00e4y ilmi, ett\u00e4 on kyseess\u00e4 juuri kulutusluotto. K\u00e4ymme nyt l\u00e4pi yhdistelylainan ja j\u00e4rjestelylainan eroja, niiden k\u00e4ytt\u00f6tarkoitusta ja sit\u00e4, kenelle ne parhaiten sopivat.<\/p><h2>Yhdistelylaina<\/h2><p>Yhdistelylaina, eli <em>lainojen yhdist\u00e4minen<\/em> on tyypillisesti aivan tavallinen kulutusluotto jolle ei tarvita vakuuksia.<\/p><h2>Yhdistelylainan tarkoitus?<\/h2><p>Yhdistelylainan tarkoitus on siis saada nykyiset lainanlyhennykset ja lainanhoidosta koituvat kustannukset matalammalle tasolle. Usein yhdistelylainan hakijoilla ongelmaksi muodostuu se, ett\u00e4 jo valmiiksi ylivelkaantunut ihminen saattaa hakea t\u00e4llaisen lainan, mutta j\u00e4tt\u00e4\u00e4 aiemmat velkansa maksamatta &#8211; ja k\u00e4ytt\u00e4\u00e4 rahat muuhun tarkoitukseen. Yhdistelylainan voi siis hyvin saada, vaikka oman talouden hallintakyky olisi heikkokin.<\/p><p>Kyll\u00e4 &#8211; Yhdistelylaina on siis tavallinen suurempi summainen kulutusluotto, jonka tarkoituksena on kattaa kaikkien vanhojen velkojen kokonaissumma.\u00a0Yksinkertaistettuna:\u00a0<em>Otetaan siis yksi vanhojen velkojen suuruinen luotto ja maksetaan sill\u00e4 kaikki vanhat luotot pois.<\/em><\/p><h2><span style=\"color: inherit; font-family: inherit; font-size: 1.75rem; background-color: var( --e-global-color-256e088 );\">Kuka voi hakea yhdistelylainaa?<\/span><\/h2><p>Yhdistelylainaa voi hakea kuka tahansa yksityishenkil\u00f6,\u00a0 joka t\u00e4ytt\u00e4\u00e4 asetetut v\u00e4himm\u00e4iskriteerit lainan hakemiselle. My\u00f6nt\u00e4misen kriteerit vaihtelevat jonkin verran rahoitusyhti\u00f6st\u00e4 riippuen. Yhdistelylainaa haetaan keskim\u00e4\u00e4rin 20 000 &#8211; 40 000 euroa summien vaihdellessa aina 70 000 euroon saakka, joka voidaan kattaa vakuudettomana kulutusluottona. T\u00e4t\u00e4 suuremmat kokonaisuudet voi hakea t\u00e4ll\u00e4 hetkell\u00e4 vain vakuudellisena pankkilainana.<\/p><p><strong>Yhdistelylainan normaalit ominaisuudet:<\/strong><br \/>Lainan k\u00e4ytt\u00f6tarkoitus: lainojen yhdist\u00e4minen yhdeksi, arjen hankinnat, tai mix: yhdistelyyn ja uutta hankitaa varten<\/p><p>Lainasummat: 1000 &#8211; 60 000 euroa, riippuen rahoittajasta (Pankit) jopa 100 000 euroa<\/p><p>Korot: Nimelliskorot vakuudettomille kulutusluotoille ovat 4-10 prosenttia (<a href=\"https:\/\/www.smartfinans.fi\/lainsaadanto\/valiaikainen-muutos-kuluttajansuojalakiin-10-korkokatto\/\">korkokatto 10%<\/a>), aikaisempi <a href=\"https:\/\/www.smartfinans.fi\/lainat\/kulutusluotto\/kuluttajaluottojen-20-prosentin-korkokatto-astui-voimaan-1-9-2019\/\">korkokatto 20%<\/a> p\u00e4ivittyi 10% tasolle koronaviruspandemian aikana.<\/p><p>Vakuudet: Ei vaadita \/ tarvita, mutta &#8221;kivijalkapankin&#8221; my\u00f6nt\u00e4miin yhdistelylainoihin voi hakea my\u00f6s vakuudellista yhdistelylainaa.<\/p><p>Takaisinmaksuaika: 1-15 vuotta<\/p><h2>J\u00e4rjestelylaina<\/h2><p>J\u00e4rjestelylaina on yhdistelylainaakin tehokkaampi keino saada oma talous kuntoon, mutta se vaatii useimmiten ulkopuolisen asiantuntijan apua.<\/p><p>J\u00e4rjestelylaina on usein se tehokkain keino saada raha-asiat takaisin j\u00e4rkeviksi ja hallintaan. J\u00e4rjestelylainaa hakevalla henkil\u00f6ll\u00e4 on tyypillisesti monia todella kalliita lainoja taakkanaan ja h\u00e4n on mahdollisesti jo yritt\u00e4nyt saada taloutensa tasapainoon hakemalla edell\u00e4 kuvailemamme yhdistelylainan. Ajan saatossa t\u00e4m\u00e4 henkil\u00f6 on voinutkin havaita, ett\u00e4 maksukyky ei sittenk\u00e4\u00e4n riit\u00e4 hoitamaan edes yhdistelylainan kulua &#8211; velkoja oli alunperin vain liikaa tai oma tulotaso on tippunut yhdistelylainan ottamisen j\u00e4lkeen. Vanhoja velkoja ei siis saadakaan maksettua takaisin alkupoer\u00e4isess\u00e4 aikataulussa, kuten oli aluksi tarkoitus selvit\u00e4 isosta velkataakasta. J\u00e4rjestelylaina tulee t\u00e4ss\u00e4 tapauksessa ajankohtaiseksi.<\/p><p>Toisin kuin yhdistelylainassa, j\u00e4rjestelylainassa <em><strong>t\u00e4hd\u00e4t\u00e4\u00e4n aitoon muutokseen kuluttajan omassa taloudenpidossa<\/strong><\/em>. J\u00e4rjestelylainaa hakiessa k\u00e4yd\u00e4\u00e4n hakijan tilanne todella kattavasti l\u00e4pi ja my\u00f6s velkaantumisen syihin paneudutaan syvemmin. J\u00e4rjestelylainan hakeminen on henkil\u00f6kohtainen palvelu ja lainan my\u00f6nt\u00e4minen edellytt\u00e4\u00e4 poikkeuksetta my\u00f6s vahvaa sitoutumista muutokseen. Samasta syyst\u00e4 j\u00e4rjestelylainaa my\u00f6nnet\u00e4\u00e4n vain vanhojen jo maksettavien velkojen verran &#8211; T\u00e4ll\u00e4 estet\u00e4\u00e4n lis\u00e4velkaantuminen.<\/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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-58463d4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"58463d4\" data-element_type=\"section\">\n\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-6bceb9a\" data-id=\"6bceb9a\" 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-e2bb764 elementor-button-warning elementor-align-center elementor-widget elementor-widget-button\" data-id=\"e2bb764\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/www.smartfinans.fi\/lainojen-yhdistaminen\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Hae Yhdistelylainaa >><\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f54aa6e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f54aa6e\" 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-dc2c253\" data-id=\"dc2c253\" 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-1e2ad06 elementor-widget elementor-widget-text-editor\" data-id=\"1e2ad06\" 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<h2 class=\"has-text-align-center first-section\">Kilpailutamme lainatarpeesi nopeasti, vain minuuteissa.<\/h2>\n<p>Kaikki annetut lainatarjoukset ovat&nbsp;voimassa <u>v\u00e4hint\u00e4\u00e4n<\/u> 30 vrk.<\/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>Yhdistelylainojen korot nyt alk. 4% ja korkeintaan 10%Korkokatto voimassa 31.9.2021 saakka, jonka j\u00e4lkeen korkotaso sopimuksen mukainen. Kuinka paljon vanhoja velkoja [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":9415,"comment_status":"closed","ping_status":"open","sticky":false,"template":"elementor_header_footer","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":[49],"tags":[72,54],"_links":{"self":[{"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/posts\/9409"}],"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=9409"}],"version-history":[{"count":0,"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/posts\/9409\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/media\/9415"}],"wp:attachment":[{"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/media?parent=9409"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/categories?post=9409"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/tags?post=9409"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}