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Meddelande: <blockquote data-quote="FOMO" data-source="post: 468978" data-attributes="member: 11723">Hello,I am thinking about refinancing my loans and would like some advice from those of you who have experience. Here is my current situation (September 2025):<hr /><h3>My loans today</h3> <ul> <li data-xf-list-type="ul">SEB loan: SEK 278,000 (interest rate 6.5%)</li> <li data-xf-list-type="ul">Lea Bank loan: SEK 162,000 (interest rate 17%)</li> <li data-xf-list-type="ul">SEB credit card: SEK 15,000 (but plan to pay it down to 0 before November)</li> <li data-xf-list-type="ul">Klarna: approx. SEK 9,500 (to be paid down to 0 before the end of the year)</li> <li data-xf-list-type="ul">Creditstar: approx. SEK 18,000 (high interest rate, but intend to amortize in parallel)</li> </ul><hr /><h3>My UC profile</h3> <ul> <li data-xf-list-type="ul">UC score: 634 (risk prediction 0.9% = “very good”)</li> <li data-xf-list-type="ul">Number of credit reports: 5 ? 2 will disappear on November 11 , so there will only be 3 left.</li> <li data-xf-list-type="ul">Fixed income: approximately SEK 42,000 net per month.</li> <li data-xf-list-type="ul">Fixed costs: 15,000 per month.</li> </ul><hr /><h3>My plan</h3> <ul> <li data-xf-list-type="ul">Continue paying down credit cards, Klarna and Creditstar this fall.</li> <li data-xf-list-type="ul">After November, when UC requests decrease, apply for refinancing.</li> <li data-xf-list-type="ul">Want to amortize SEK 10,000/month on a new loan.</li> </ul><h3>My questions to you</h3><ol> <li data-xf-list-type="ol">When is the best time to apply? Should I do it right after November 11th when 2 credit reports have been dropped, or wait even longer for the best chance?</li> <li data-xf-list-type="ol">Should I consolidate both bank loans (SEB + Lea Bank) into a new loan of approximately SEK 440,000, or just refinance the Lea Bank loan ?</li> <li data-xf-list-type="ol">What term is the smartest if I plan to pay SEK 10,000/month?</li> <li data-xf-list-type="ol">Is it better to use a service like <a href="https://www.xn--lnforum-exa.se/besok/27" target="_blank">Lendo</a> (one UC request, multiple banks) or go directly to SEB where I am already a customer?</li> </ol><hr />Of course, I want to lower the interest rate from 17% at Lea Bank and at the same time build up savings. The idea is to become completely debt-free in the long term but still have a safe buffer.Many thanks for all the tips and experiences</blockquote>

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