{"id":1434,"date":"2023-08-07T13:05:41","date_gmt":"2023-08-07T11:05:41","guid":{"rendered":"https:\/\/regbu.com\/?p=1434"},"modified":"2025-09-05T07:40:13","modified_gmt":"2025-09-05T05:40:13","slug":"refinancovani-vs-konsolidace-pujcek","status":"publish","type":"post","link":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/","title":{"rendered":"J\u00e4lleenrahoitus vs. lainojen yhdist\u00e4minen"},"content":{"rendered":"<p>J\u00e4lleenrahoitus on k\u00e4site, joka liittyy l\u00e4heisesti mm.\u00a0<strong><a href=\"https:\/\/regbu.com\/fi\/amerikkalais-hypoteekki-klassikko-lissa\/\">Amerikkalainen kiinnitys<\/a><\/strong>, tavanomaisia asuntolainoja, kulutusluottoja ja muita lainatyyppej\u00e4. T\u00e4m\u00e4n rahoitustuotteen kilpailija on lainojen yhdist\u00e4minen. Molemmilla on yksi t\u00e4rke\u00e4 tavoite.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kuukausierien pienent\u00e4minen<\/li>\n\n\n\n<li>Alhaisempi korko<\/li>\n\n\n\n<li>Kustannusten minimointi<\/li>\n<\/ul>\n\n\n\n<p>On kuitenkin t\u00e4rke\u00e4\u00e4 tiet\u00e4\u00e4, mit\u00e4 ovat <em>n\u00e4iden kahden vaihtoehdon v\u00e4liset erot<\/em>. Jokaisella niist\u00e4 ei ole vain erilainen merkitys. Niill\u00e4 on my\u00f6s tiettyj\u00e4 etuja ja haittoja. T\u00e4st\u00e4 vakuutamme teid\u00e4t seuraavilla riveill\u00e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mit\u00e4 on lainan j\u00e4lleenrahoitus?<\/h2>\n\n\n\n<p>Kun sanot <strong>lainan j\u00e4lleenrahoitus<\/strong>...voitte kuvitella vain yhden asian. Maallikon kielell\u00e4 vanha laina korvataan uudella. Se tulee paremmilla luottoehdoilla. Eli siin\u00e4 on pienempi korko tai se tarjoaa jotain ylim\u00e4\u00e4r\u00e4ist\u00e4. Teet siis t\u00e4m\u00e4n siirron s\u00e4\u00e4st\u00f6odotuksen kanssa. Samalla siit\u00e4 voi tulla ratkaisu, kun et pysty maksamaan ep\u00e4suotuisia velkoja takaisin.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Lainojen konsolidointi ja lis\u00e4tietoja<\/h3>\n\n\n\n<p>Konsolidointi perustuu p\u00e4\u00e4asiassa j\u00e4lleenrahoitukseen. T\u00e4m\u00e4n termin takana on kuitenkin <strong>fuusio tai, jos haluatte, yhdistyminen.<\/strong>. Useita lainoja yhdistet\u00e4\u00e4n samaan aikaan. Ne korvataan k\u00e4yt\u00e4nn\u00f6ss\u00e4 yhdell\u00e4 lainalla. Molempien ratkaisujen eduista saat tietoa alla olevien rivien kautta.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1691492587714\"><strong class=\"schema-faq-question\">Mit\u00e4 tuotteita voidaan konsolidoida?<\/strong> <p class=\"schema-faq-answer\">N\u00e4m\u00e4 voivat olla muita kuin pankkilainoja, kulutusluottoja, sekkiluottoja ja luottokortteja.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492594135\"><strong class=\"schema-faq-question\">Voinko pienent\u00e4\u00e4 kuukausimaksua j\u00e4lleenrahoituksella?<\/strong> <p class=\"schema-faq-answer\">Kyll\u00e4, ennen kaikkea se johtuu paremmasta korosta. My\u00f6s laina-ajan pident\u00e4minen voi vaikuttaa asiaan.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492600712\"><strong class=\"schema-faq-question\">Onko konsolidointi aina sen arvoista?<\/strong> <p class=\"schema-faq-answer\">Sen ei tarvitse olla niin. Jos esimerkiksi vanhoihin lainoihin liittyy korkeita ennakkomaksuja, ne eiv\u00e4t ole sen arvoisia.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492609378\"><strong class=\"schema-faq-question\">Voinko saada lis\u00e4rahaa n\u00e4ill\u00e4 tuotteilla?<\/strong> <p class=\"schema-faq-answer\">Kyll\u00e4, sek\u00e4 vakauttaminen ett\u00e4 j\u00e4lleenrahoitus voivat auttaa sinua saamaan lis\u00e4rahoitusta. Sinun on vain oltava riitt\u00e4v\u00e4n luottokelpoinen asiakas. T\u00e4m\u00e4 tarkoittaa, ett\u00e4 todistat luottokelpoisuutesi uudelle lainanantajalle.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492618453\"><strong class=\"schema-faq-question\">Mik\u00e4 palveluntarjoaja tarjoaa konsolidointia ja j\u00e4lleenrahoitusta?<\/strong> <p class=\"schema-faq-answer\">N\u00e4it\u00e4 lainatuotteita tarjoavat t\u00e4ll\u00e4 hetkell\u00e4 muutkin kuin pankit. Voit hy\u00f6dynt\u00e4\u00e4 my\u00f6s CNB:n toimiluvan saaneiden muiden kuin pankkiyhti\u00f6iden tarjoamia tuotteita.<\/p> <\/div> <\/div>","protected":false},"excerpt":{"rendered":"<p>J\u00e4lleenrahoitus on k\u00e4site, joka liittyy l\u00e4heisesti esimerkiksi amerikkalaisiin asuntolainoihin, tavanomaisiin asuntolainoihin, kulutusluottoihin ja muihin lainatyyppeihin. T\u00e4m\u00e4n rahoitustuotteen kilpailija on lainojen yhdist\u00e4minen. Molemmilla on yksi t\u00e4rke\u00e4 tavoite. On kuitenkin t\u00e4rke\u00e4\u00e4 tiet\u00e4\u00e4 n\u00e4iden kahden vaihtoehdon erot. Kummallakin niist\u00e4 ei ole vain erilainen merkitys. Ne liittyv\u00e4t ... <\/p>","protected":false},"author":2,"featured_media":1435,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[1758,1191,650,618,1756,1757,1760,1759,627,628],"class_list":["post-1434","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-konsolidace-pujcek","tag-nahrazeni","tag-pujcka","tag-pujcky","tag-refinancovani","tag-refinancovani-pujcky","tag-sjednoceni","tag-slouceni","tag-uver","tag-uvery"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek - REGBU.COM<\/title>\n<meta name=\"description\" content=\"V\u00edte, co si p\u0159edstavit pod pojmem refinancov\u00e1n\u00ed? A tu\u0161\u00edte v\u016fbec, jak se li\u0161\u00ed od konsolidace p\u016fj\u010dek? V\u0161e V\u00e1m prozrad\u00edme.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek - REGBU.COM\" \/>\n<meta property=\"og:description\" content=\"V\u00edte, co si p\u0159edstavit pod pojmem refinancov\u00e1n\u00ed? A tu\u0161\u00edte v\u016fbec, jak se li\u0161\u00ed od konsolidace p\u016fj\u010dek? V\u0161e V\u00e1m prozrad\u00edme.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/\" \/>\n<meta property=\"og:site_name\" content=\"REGBU.COM\" \/>\n<meta property=\"article:published_time\" content=\"2023-08-07T11:05:41+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-05T05:40:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"George Martin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Kirjoittanut\" \/>\n\t<meta name=\"twitter:data1\" content=\"George Martin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Arvioitu lukuaika\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minuuttia\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/\"},\"author\":{\"name\":\"George Martin\",\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#\\\/schema\\\/person\\\/94ea9deda2629771b8a9ced002f6784e\"},\"headline\":\"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek\",\"datePublished\":\"2023-08-07T11:05:41+00:00\",\"dateModified\":\"2025-09-05T05:40:13+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/\"},\"wordCount\":473,\"image\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/regbu.com\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/refinancovani-vs-konsolidace-pujcek.jpg\",\"keywords\":[\"konsolidace p\u016fj\u010dek\",\"nahrazen\u00ed\",\"p\u016fj\u010dka\",\"p\u016fj\u010dky\",\"refinancov\u00e1n\u00ed\",\"refinancov\u00e1n\u00ed p\u016fj\u010dky\",\"sjednocen\u00ed\",\"slou\u010den\u00ed\",\"\u00fav\u011br\",\"\u00fav\u011bry\"],\"articleSection\":[\"Finance\"],\"inLanguage\":\"fi\"},{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/\",\"url\":\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/\",\"name\":\"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek - REGBU.COM\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/regbu.com\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/refinancovani-vs-konsolidace-pujcek.jpg\",\"datePublished\":\"2023-08-07T11:05:41+00:00\",\"dateModified\":\"2025-09-05T05:40:13+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#\\\/schema\\\/person\\\/94ea9deda2629771b8a9ced002f6784e\"},\"description\":\"V\u00edte, co si p\u0159edstavit pod pojmem refinancov\u00e1n\u00ed? A tu\u0161\u00edte v\u016fbec, jak se li\u0161\u00ed od konsolidace p\u016fj\u010dek? V\u0161e V\u00e1m prozrad\u00edme.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/#breadcrumb\"},\"mainEntity\":[{\"@id\":\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/#faq-question-1691492587714\"},{\"@id\":\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/#faq-question-1691492594135\"},{\"@id\":\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/#faq-question-1691492600712\"},{\"@id\":\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/#faq-question-1691492609378\"},{\"@id\":\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/#faq-question-1691492618453\"}],\"inLanguage\":\"fi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fi\",\"@id\":\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/#primaryimage\",\"url\":\"https:\\\/\\\/regbu.com\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/refinancovani-vs-konsolidace-pujcek.jpg\",\"contentUrl\":\"https:\\\/\\\/regbu.com\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/refinancovani-vs-konsolidace-pujcek.jpg\",\"width\":1200,\"height\":675,\"caption\":\"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/regbu.com\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/regbu.com\\\/en\\\/\",\"name\":\"REGBU.COM\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/regbu.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fi\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#\\\/schema\\\/person\\\/94ea9deda2629771b8a9ced002f6784e\",\"name\":\"George Martin\",\"url\":\"https:\\\/\\\/regbu.com\\\/fi\\\/author\\\/george-martin\\\/\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/#faq-question-1691492587714\",\"position\":1,\"url\":\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/#faq-question-1691492587714\",\"name\":\"Jak\u00e9 produkty lze konsolidovat?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Mohou to b\u00fdt nebankovn\u00ed p\u016fj\u010dky, spot\u0159ebitelsk\u00e9 \u00fav\u011bry, kontokorenty a kreditn\u00ed karty.\",\"inLanguage\":\"fi\"},\"inLanguage\":\"fi\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/#faq-question-1691492594135\",\"position\":2,\"url\":\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/#faq-question-1691492594135\",\"name\":\"Lze refinancov\u00e1n\u00edm sn\u00ed\u017eit m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ano, v prvn\u00ed \u0159ad\u011b to bude d\u00edky v\u00fdhodn\u011bj\u0161\u00edmu \u00faroku. Pak k tomu m\u016f\u017ee p\u0159isp\u011bt i prodlou\u017een\u00ed splatnosti p\u016fj\u010dky.\",\"inLanguage\":\"fi\"},\"inLanguage\":\"fi\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/#faq-question-1691492600712\",\"position\":3,\"url\":\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/#faq-question-1691492600712\",\"name\":\"Vyplat\u00ed se v\u017edy konsolidace?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Nemus\u00ed tomu tak b\u00fdt. Pokud se nap\u0159\u00edklad star\u00e9 \u00fav\u011bry poj\u00ed s vysok\u00fdmi sank\u010dn\u00edmi poplatky za p\u0159ed\u010dasn\u00e9 uhrazen\u00ed, nevyplat\u00ed se.\",\"inLanguage\":\"fi\"},\"inLanguage\":\"fi\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/#faq-question-1691492609378\",\"position\":4,\"url\":\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/#faq-question-1691492609378\",\"name\":\"Mohu d\u00edky t\u011bmto produkt\u016fm z\u00edskat pen\u00edze nav\u00edc?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ano, jak s pomoc\u00ed konsolidace, tak refinancov\u00e1n\u00edm lze z\u00edskat finance nav\u00edc. Mus\u00edte b\u00fdt pouze dostate\u010dn\u011b bonitn\u00edm klientem. To znamen\u00e1, \u017ee nov\u00e9mu poskytovateli \u00fav\u011bru prok\u00e1\u017eete svoji \u00fav\u011bruschopnost.\",\"inLanguage\":\"fi\"},\"inLanguage\":\"fi\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/#faq-question-1691492618453\",\"position\":5,\"url\":\"https:\\\/\\\/regbu.com\\\/fi\\\/jalleenrahoitus-vs-konsolidaatiolainat\\\/#faq-question-1691492618453\",\"name\":\"Jak\u00fd poskytovatel m\u00e1 v nab\u00eddce konsolidaci a refinancov\u00e1n\u00ed?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Tyto \u00fav\u011brov\u00e9 produkty v sou\u010dasn\u00e9 dob\u011b nab\u00edz\u00ed nejenom bankovn\u00ed instituce. Vyu\u017e\u00edt m\u016f\u017eete tak\u00e9 produktov\u00fdch nab\u00eddek nebankovn\u00edch spole\u010dnost\u00ed s licenc\u00ed od \u010cNB.\",\"inLanguage\":\"fi\"},\"inLanguage\":\"fi\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"J\u00e4lleenrahoitus vs. lainojen yhdist\u00e4minen - REGBU.COM","description":"Tied\u00e4tk\u00f6, mit\u00e4 tarkoitat j\u00e4lleenrahoituksella? Ja tied\u00e4tk\u00f6, miten se eroaa lainojen yhdist\u00e4misest\u00e4? Me kerromme sinulle kaiken.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/","og_locale":"fi_FI","og_type":"article","og_title":"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek - REGBU.COM","og_description":"V\u00edte, co si p\u0159edstavit pod pojmem refinancov\u00e1n\u00ed? A tu\u0161\u00edte v\u016fbec, jak se li\u0161\u00ed od konsolidace p\u016fj\u010dek? V\u0161e V\u00e1m prozrad\u00edme.","og_url":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/","og_site_name":"REGBU.COM","article_published_time":"2023-08-07T11:05:41+00:00","article_modified_time":"2025-09-05T05:40:13+00:00","og_image":[{"width":1200,"height":675,"url":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","type":"image\/jpeg"}],"author":"George Martin","twitter_card":"summary_large_image","twitter_misc":{"Kirjoittanut":"George Martin","Arvioitu lukuaika":"2 minuuttia"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/#article","isPartOf":{"@id":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/"},"author":{"name":"George Martin","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e"},"headline":"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek","datePublished":"2023-08-07T11:05:41+00:00","dateModified":"2025-09-05T05:40:13+00:00","mainEntityOfPage":{"@id":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/"},"wordCount":473,"image":{"@id":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/#primaryimage"},"thumbnailUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","keywords":["konsolidace p\u016fj\u010dek","nahrazen\u00ed","p\u016fj\u010dka","p\u016fj\u010dky","refinancov\u00e1n\u00ed","refinancov\u00e1n\u00ed p\u016fj\u010dky","sjednocen\u00ed","slou\u010den\u00ed","\u00fav\u011br","\u00fav\u011bry"],"articleSection":["Finance"],"inLanguage":"fi"},{"@type":["WebPage","FAQPage"],"@id":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/","url":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/","name":"J\u00e4lleenrahoitus vs. lainojen yhdist\u00e4minen - REGBU.COM","isPartOf":{"@id":"https:\/\/regbu.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/#primaryimage"},"image":{"@id":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/#primaryimage"},"thumbnailUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","datePublished":"2023-08-07T11:05:41+00:00","dateModified":"2025-09-05T05:40:13+00:00","author":{"@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e"},"description":"Tied\u00e4tk\u00f6, mit\u00e4 tarkoitat j\u00e4lleenrahoituksella? Ja tied\u00e4tk\u00f6, miten se eroaa lainojen yhdist\u00e4misest\u00e4? Me kerromme sinulle kaiken.","breadcrumb":{"@id":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/#faq-question-1691492587714"},{"@id":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/#faq-question-1691492594135"},{"@id":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/#faq-question-1691492600712"},{"@id":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/#faq-question-1691492609378"},{"@id":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/#faq-question-1691492618453"}],"inLanguage":"fi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/"]}]},{"@type":"ImageObject","inLanguage":"fi","@id":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/#primaryimage","url":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","contentUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/08\/refinancovani-vs-konsolidace-pujcek.jpg","width":1200,"height":675,"caption":"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek"},{"@type":"BreadcrumbList","@id":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/regbu.com\/en\/"},{"@type":"ListItem","position":2,"name":"Refinancov\u00e1n\u00ed vs. konsolidace p\u016fj\u010dek"}]},{"@type":"WebSite","@id":"https:\/\/regbu.com\/en\/#website","url":"https:\/\/regbu.com\/en\/","name":"REGBU.COM","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/regbu.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fi"},{"@type":"Person","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e","name":"George Martin","url":"https:\/\/regbu.com\/fi\/author\/george-martin\/"},{"@type":"Question","@id":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/#faq-question-1691492587714","position":1,"url":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/#faq-question-1691492587714","name":"Mit\u00e4 tuotteita voidaan konsolidoida?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Mohou to b\u00fdt nebankovn\u00ed p\u016fj\u010dky, spot\u0159ebitelsk\u00e9 \u00fav\u011bry, kontokorenty a kreditn\u00ed karty.","inLanguage":"fi"},"inLanguage":"fi"},{"@type":"Question","@id":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/#faq-question-1691492594135","position":2,"url":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/#faq-question-1691492594135","name":"Voinko pienent\u00e4\u00e4 kuukausimaksua j\u00e4lleenrahoituksella?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, v prvn\u00ed \u0159ad\u011b to bude d\u00edky v\u00fdhodn\u011bj\u0161\u00edmu \u00faroku. Pak k tomu m\u016f\u017ee p\u0159isp\u011bt i prodlou\u017een\u00ed splatnosti p\u016fj\u010dky.","inLanguage":"fi"},"inLanguage":"fi"},{"@type":"Question","@id":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/#faq-question-1691492600712","position":3,"url":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/#faq-question-1691492600712","name":"Onko konsolidointi aina sen arvoista?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Nemus\u00ed tomu tak b\u00fdt. Pokud se nap\u0159\u00edklad star\u00e9 \u00fav\u011bry poj\u00ed s vysok\u00fdmi sank\u010dn\u00edmi poplatky za p\u0159ed\u010dasn\u00e9 uhrazen\u00ed, nevyplat\u00ed se.","inLanguage":"fi"},"inLanguage":"fi"},{"@type":"Question","@id":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/#faq-question-1691492609378","position":4,"url":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/#faq-question-1691492609378","name":"Voinko saada lis\u00e4rahaa n\u00e4ill\u00e4 tuotteilla?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, jak s pomoc\u00ed konsolidace, tak refinancov\u00e1n\u00edm lze z\u00edskat finance nav\u00edc. Mus\u00edte b\u00fdt pouze dostate\u010dn\u011b bonitn\u00edm klientem. To znamen\u00e1, \u017ee nov\u00e9mu poskytovateli \u00fav\u011bru prok\u00e1\u017eete svoji \u00fav\u011bruschopnost.","inLanguage":"fi"},"inLanguage":"fi"},{"@type":"Question","@id":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/#faq-question-1691492618453","position":5,"url":"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/#faq-question-1691492618453","name":"Mik\u00e4 palveluntarjoaja tarjoaa konsolidointia ja j\u00e4lleenrahoitusta?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Tyto \u00fav\u011brov\u00e9 produkty v sou\u010dasn\u00e9 dob\u011b nab\u00edz\u00ed nejenom bankovn\u00ed instituce. Vyu\u017e\u00edt m\u016f\u017eete tak\u00e9 produktov\u00fdch nab\u00eddek nebankovn\u00edch spole\u010dnost\u00ed s licenc\u00ed od \u010cNB.","inLanguage":"fi"},"inLanguage":"fi"}]}},"_links":{"self":[{"href":"https:\/\/regbu.com\/fi\/wp-json\/wp\/v2\/posts\/1434","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/regbu.com\/fi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/regbu.com\/fi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/regbu.com\/fi\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/regbu.com\/fi\/wp-json\/wp\/v2\/comments?post=1434"}],"version-history":[{"count":2,"href":"https:\/\/regbu.com\/fi\/wp-json\/wp\/v2\/posts\/1434\/revisions"}],"predecessor-version":[{"id":1446,"href":"https:\/\/regbu.com\/fi\/wp-json\/wp\/v2\/posts\/1434\/revisions\/1446"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/regbu.com\/fi\/wp-json\/wp\/v2\/media\/1435"}],"wp:attachment":[{"href":"https:\/\/regbu.com\/fi\/wp-json\/wp\/v2\/media?parent=1434"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/regbu.com\/fi\/wp-json\/wp\/v2\/categories?post=1434"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/regbu.com\/fi\/wp-json\/wp\/v2\/tags?post=1434"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}