{"id":2168,"date":"2020-10-01T07:58:32","date_gmt":"2020-10-01T07:58:32","guid":{"rendered":"https:\/\/www.niemibil.se\/?page_id=2168"},"modified":"2025-04-09T09:51:54","modified_gmt":"2025-04-09T07:51:54","slug":"car-financing","status":"publish","type":"page","link":"https:\/\/www.niemibil.se\/en\/car-financing\/","title":{"rendered":"Car financing"},"content":{"rendered":"
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Car financing<\/h1>\t\t\t\t<\/div>\n\t\t\t\t
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We at Niemi Bil collaborate with DNB Finans to be able to offer you secure financing for your next car purchase, whether you are buying a new car or a used car. We offer a flexible arrangement where you as a customer have control throughout the duration of the contract.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tContact us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\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
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Smart car financing with Niemi Bil<\/h2>\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
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Count on your car purchase \n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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There are many different ways to finance a car purchase. At Niemi Bil, we collaborate with DNB Finans to offer our customers a secure purchase and secure payments with fair terms. We offer financing to both companies and individuals, and both when buying a new car and a used car.\u00a0<\/p>

The majority of our financing arrangements are based on the interest deduction, which in practice means 30% lower interest costs for you as a private individual.<\/p>

Together with our partners, we are experts. Every car shop is unique and therefore we always come up with the plan that suits you and your situation best.<\/p>

Which payment suits you?\u00a0<\/h4>

By clicking on the car you are interested in, you can make a quick overview of a potential financing plan. Review the relationship between cash deposit, monthly payment and residual value. The advantage of splitting your payment is that you don't have to lock your own savings into your new car. We help you calculate a potential resale value. Remember that full insurance is required to take out a car loan. We help you with both car insurance<\/span><\/a> and change of ownership when you buy a car from us!<\/p>

Cash contribution, installment and residual value<\/h4>

Cash deposit is the amount of the car's price that you pay directly. The installment period determines how many months you want to pay off the remaining cost over. The residual value is the expected value of the car after you pay it off. A higher percentage of residual value results in a lower monthly payment.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Finance your car purchase<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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The vast majority of people who buy a new car or a used car also choose one car financing<\/span><\/a>. As a rule of thumb, you need to pay 20% of the car's price in cash. You have the option of financing the remaining amount on favorable terms via Niemi Bil.<\/p>\n

Take out a car loan with residual value<\/h4>\n

As a buyer, you can either take out a personal loan through a bank or through a car financing<\/span><\/a> as DNB Finans. Together, we offer you financing with a residual value where you do not amortize the entire loan during the payment period. When your installment is over, part of the debt remains, usually this is as large as the car's own value. The advantage is that you can use the car as collateral for the loan, while at the same time you can pay the loan and amortization faster with extra payments. The residual value can also be used as a cash purchase for the next car purchase. <\/p>\n

Read more about DNB Finans<\/a><\/u><\/p>\n

Car financing for company car<\/h4>\n

Regardless of whether it is leasing, installments or some other form of financing that suits you and your company best, we have the skills and expertise to tailor the optimal arrangement for you and your company - regardless of size and the situation you are in. We help you to simplify and streamline your company's car ownership when you get a company car or company car.<\/p>\t\t\t\t\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Choose the right car<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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The car should give you what you need. Space for family and friends, safety, comfort and mobility in everyday life. No matter what the car means to you, Niemi Bil helps you find the right one - from new models and used cars to service and repair.<\/p>\t\t\t\t\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

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Information about loans and credits<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Borrowing costs money!<\/strong>
If you cannot repay the debt on time, you risk a payment notice. This can lead to difficulties in renting a home, taking out subscriptions and getting new loans. For support, contact the budget and debt counseling service in your municipality. Contact details can be found at konsumentverket.se.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\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\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Bilfinansiering Vi p\u00e5 Niemi Bil samarbetar med DNB Finans f\u00f6r att kunna erbjuda dig en trygg finansiering vid ditt n\u00e4sta bilk\u00f6p, vare sig du ska k\u00f6pa en ny bil eller en begagnad bil. Vi erbjuder ett flexibelt uppl\u00e4gg d\u00e4r du som kund har kontroll under hela avtalstiden. Kontakta oss Smarta bilfinansieringar med Niemi Bil R\u00e4kna […]<\/p>\n","protected":false},"author":1,"featured_media":5588,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2168","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.niemibil.se\/en\/wp-json\/wp\/v2\/pages\/2168","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.niemibil.se\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.niemibil.se\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.niemibil.se\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.niemibil.se\/en\/wp-json\/wp\/v2\/comments?post=2168"}],"version-history":[{"count":10,"href":"https:\/\/www.niemibil.se\/en\/wp-json\/wp\/v2\/pages\/2168\/revisions"}],"predecessor-version":[{"id":2202116,"href":"https:\/\/www.niemibil.se\/en\/wp-json\/wp\/v2\/pages\/2168\/revisions\/2202116"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.niemibil.se\/en\/wp-json\/wp\/v2\/media\/5588"}],"wp:attachment":[{"href":"https:\/\/www.niemibil.se\/en\/wp-json\/wp\/v2\/media?parent=2168"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}