Tímabil samanburðar

Samanburður lána

Berðu saman lánin - hér getur þú borið saman tvö ólík lán. Fylltu inn upplýsingar fyrir hvort lán og skoðaðu samanburðinn fyrir neðan.

Þetta er gott tól til að bera saman t.d. verðtryggð og óverðtryggð lán, skoða endurfjármögnun eða aukagreiðslur.

Lán 1

Ítarlegar stillingar

Lán 2

Ítarlegar stillingar

Samantekt

Δ = L2 – L1
Grænt Δ = Lán 2 hagstæðara (lægra)
Rautt Δ = Lán 1 hagstæðara (L2 hærra)
Heildargreiðslur (núvirði, VNV)
Lán 1
58.700.385 kr.
Lán 2
61.812.688 kr.
Δ (L2 – L1)
+3.112.303 kr.
Heildargreiðslur (að nafnvirði)
Lán 1
99.167.511 kr.
Lán 2
116.399.497 kr.
Δ (L2 – L1)
+17.231.986 kr.
Vextir + gjöld
Lán 1
64.167.511 kr.
Lán 2
42.890.008 kr.
Δ (L2 – L1)
-21.277.503 kr.
Verðbætur
Lán 1
0 kr.
Lán 2
38.509.489 kr.
Δ (L2 – L1)
+38.509.489 kr.
Greiddur höfuðstóll (að nafnvirði)
Lán 1
35.000.000 kr.
Lán 2
73.509.489 kr.
Δ (L2 – L1)
+38.509.489 kr.
Eftirstöðvar
Lán 1
0 kr.
Lán 2
0 kr.
Δ (L2 – L1)
0 kr.
Heildargreiðslur = Höfuðstóll + vextir + gjöld + verðbætur ef á við
Ath.: Hjá verðtryggðu láni er „Greiddur höfuðstóll“ = upphaflegur höfuðstóll + verðbætur.

Uppsafnað núvirði greiðslna – aðlagað að verðlagi m.v. uppgefna verðbólgu þannig að samanburður sé í raunvirði.

Núvirði er reiknað miðað við verðbólgu sem þú hefur gefið upp: Lán 1 (3.9%) og Lán 2 (3.9%).

Mánaðarleg heildargreiðsla: afborgun + vextir + gjöld + verðbætur ef verðtryggt. Sýnir hvernig greiðslubyrði íbúðalána breytist yfir lánstímann.
Samanburður – tafla
Mán.Núvirt heildargreiðslaHeildargreiðsla (nafnv.)
Lán 1Lán 2ΔLán 1Lán 2Δ
1
273.714171.750
-101.964
275.465172.849
-102.616
2
272.843171.749
-101.093
275.465173.400
-102.065
3
271.974171.750
-100.225
275.465173.954
-101.511
4
271.109171.749
-99.359
275.465174.509
-100.956
5
270.246171.749
-98.497
275.465175.066
-100.399
6
269.385171.748
-97.637
275.465175.624
-99.841
7
268.528171.748
-96.780
275.465176.185
-99.280
8
267.673171.747
-95.926
275.465176.747
-98.718
9
266.821171.747
-95.074
275.465177.311
-98.154
10
265.972171.747
-94.225
275.465177.877
-97.588
11
265.125171.746
-93.379
275.465178.444
-97.021
12
264.281171.746
-92.535
275.465179.014
-96.451
13
263.440171.745
-91.694
275.465179.585
-95.880
14
262.601171.745
-90.856
275.465180.158
-95.307
15
261.765171.745
-90.021
275.465180.733
-94.732
16
260.932171.745
-89.188
275.465181.310
-94.155
17
260.102171.745
-88.357
275.465181.889
-93.576
18
259.274171.744
-87.530
275.465182.469
-92.996
19
258.448171.743
-86.705
275.465183.051
-92.414
20
257.626171.743
-85.883
275.465183.635
-91.830
21
256.806171.742
-85.063
275.465184.221
-91.244
22
255.988171.742
-84.246
275.465184.809
-90.656
23
255.173171.742
-83.431
275.465185.399
-90.066
24
254.361171.742
-82.619
275.465185.991
-89.474
25
253.551171.741
-81.810
275.465186.584
-88.881
26
252.744171.741
-81.003
275.465187.180
-88.285
27
251.940171.741
-80.199
275.465187.777
-87.688
28
251.138171.740
-79.398
275.465188.376
-87.089
29
250.338171.740
-78.598
275.465188.978
-86.487
30
249.542171.740
-77.802
275.465189.581
-85.884
31
248.747171.740
-77.008
275.465190.186
-85.279
32
247.955171.739
-76.216
275.465190.793
-84.672
33
247.166171.738
-75.428
275.465191.401
-84.064
34
246.379171.738
-74.641
275.465192.012
-83.453
35
245.595171.738
-73.857
275.465192.625
-82.840
36
244.813171.738
-73.076
275.465193.240
-82.225
37
244.034171.737
-72.297
275.465193.856
-81.609
38
243.257171.737
-71.521
275.465194.475
-80.990
39
242.483171.737
-70.746
275.465195.096
-80.369
40
241.711171.736
-69.975
275.465195.718
-79.747
41
240.942171.736
-69.206
275.465196.343
-79.122
42
240.175171.736
-68.439
275.465196.970
-78.495
43
239.410171.735
-67.675
275.465197.598
-77.867
44
238.648171.735
-66.913
275.465198.229
-77.236
45
237.889171.734
-66.154
275.465198.861
-76.604
46
237.131171.734
-65.397
275.465199.496
-75.969
47
236.376171.734
-64.642
275.465200.133
-75.332
48
235.624171.733
-63.891
275.465200.771
-74.694
49
234.874171.733
-63.141
275.465201.412
-74.053
50
234.126171.733
-62.393
275.465202.055
-73.410
51
233.381171.733
-61.648
275.465202.700
-72.765
52
232.638171.732
-60.906
275.465203.347
-72.118
53
231.898171.732
-60.166
275.465203.996
-71.469
54
231.160171.732
-59.428
275.465204.647
-70.818
55
230.424171.731
-58.692
275.465205.300
-70.165
56
229.690171.731
-57.959
275.465205.955
-69.510
57
228.959171.730
-57.229
275.465206.612
-68.853
58
228.230171.731
-56.500
275.465207.272
-68.193
59
227.504171.730
-55.774
275.465207.933
-67.532
60
226.780171.730
-55.050
275.465208.597
-66.868
61
226.058171.730
-54.328
275.465209.263
-66.202
62
225.338171.729
-53.609
275.465209.930
-65.535
63
224.621171.728
-52.893
275.465210.600
-64.865
64
223.906171.729
-52.177
275.465211.273
-64.192
65
223.193171.728
-51.465
275.465211.947
-63.518
66
222.483171.728
-50.755
275.465212.623
-62.842
67
221.775171.728
-50.047
275.465213.302
-62.163
68
221.069171.728
-49.341
275.465213.983
-61.482
69
220.365171.727
-48.638
275.465214.666
-60.799
70
219.663171.727
-47.937
275.465215.351
-60.114
71
218.964171.726
-47.238
275.465216.038
-59.427
72
218.267171.726
-46.542
275.465216.727
-58.738
73
217.572171.726
-45.847
275.465217.419
-58.046
74
216.880171.725
-45.155
275.465218.113
-57.352
75
216.190171.725
-44.465
275.465218.809
-56.656
76
215.501171.724
-43.777
275.465219.507
-55.958
77
214.815171.724
-43.091
275.465220.208
-55.257
78
214.132171.724
-42.407
275.465220.911
-54.554
79
213.450171.724
-41.726
275.465221.616
-53.849
80
212.771171.723
-41.047
275.465222.323
-53.142
81
212.093171.723
-40.370
275.465223.033
-52.432
82
211.418171.723
-39.695
275.465223.745
-51.720
83
210.745171.723
-39.022
275.465224.459
-51.006
84
210.074171.722
-38.352
275.465225.175
-50.290
85
209.406171.722
-37.683
275.465225.894
-49.571
86
208.739171.722
-37.017
275.465226.615
-48.850
87
208.075171.722
-36.353
275.465227.338
-48.127
88
207.412171.722
-35.691
275.465228.064
-47.401
89
206.752171.721
-35.031
275.465228.791
-46.674
90
206.094171.721
-34.373
275.465229.522
-45.943
91
205.438171.720
-33.718
275.465230.254
-45.211
92
204.784171.720
-33.064
275.465230.989
-44.476
93
204.132171.720
-32.413
275.465231.726
-43.739
94
203.482171.720
-31.763
275.465232.466
-42.999
95
202.835171.719
-31.115
275.465233.208
-42.257
96
202.189171.719
-30.470
275.465233.952
-41.513
97
201.545171.719
-29.827
275.465234.699
-40.766
98
200.904171.718
-29.185
275.465235.448
-40.017
99
200.264171.718
-28.546
275.465236.200
-39.265
100
199.627171.718
-27.909
275.465236.953
-38.512
101
198.991171.718
-27.274
275.465237.710
-37.755
102
198.358171.717
-26.641
275.465238.468
-36.997
103
197.727171.717
-26.009
275.465239.230
-36.235
104
197.097171.717
-25.380
275.465239.993
-35.472
105
196.470171.716
-24.753
275.465240.759
-34.706
106
195.844171.716
-24.129
275.465241.527
-33.938
107
195.221171.716
-23.505
275.465242.298
-33.167
108
194.600171.716
-22.884
275.465243.072
-32.393
109
193.980171.716
-22.264
275.465243.848
-31.617
110
193.363171.715
-21.647
275.465244.626
-30.839
111
192.747171.715
-21.032
275.465245.407
-30.058
112
192.134171.715
-20.419
275.465246.190
-29.275
113
191.522171.715
-19.807
275.465246.976
-28.489
114
190.912171.714
-19.198
275.465247.764
-27.701
115
190.305171.714
-18.591
275.465248.555
-26.910
116
189.699171.713
-17.985
275.465249.348
-26.117
117
189.095171.713
-17.382
275.465250.144
-25.321
118
188.493171.713
-16.780
275.465250.942
-24.523
119
187.893171.713
-16.181
275.465251.743
-23.722
120
187.295171.713
-15.582
275.465252.547
-22.918
121
186.699171.712
-14.987
275.465253.353
-22.112
122
186.105171.712
-14.392
275.465254.162
-21.303
123
185.512171.712
-13.800
275.465254.973
-20.492
124
184.922171.712
-13.210
275.465255.787
-19.678
125
184.333171.711
-12.622
275.465256.603
-18.862
126
183.746171.711
-12.035
275.465257.422
-18.043
127
183.161171.711
-11.451
275.465258.244
-17.221
128
182.578171.710
-10.868
275.465259.068
-16.397
129
181.997171.710
-10.287
275.465259.895
-15.570
130
181.418171.710
-9.708
275.465260.724
-14.741
131
180.840171.710
-9.130
275.465261.557
-13.908
132
180.265171.709
-8.556
275.465262.391
-13.074
133
179.691171.709
-7.982
275.465263.229
-12.236
134
179.119171.709
-7.410
275.465264.069
-11.396
135
178.549171.709
-6.840
275.465264.912
-10.553
136
177.980171.709
-6.272
275.465265.758
-9.707
137
177.414171.708
-5.706
275.465266.606
-8.859
138
176.849171.708
-5.141
275.465267.457
-8.008
139
176.286171.708
-4.578
275.465268.311
-7.154
140
175.725171.707
-4.018
275.465269.167
-6.298
141
175.166171.707
-3.459
275.465270.026
-5.439
142
174.608171.707
-2.901
275.465270.888
-4.577
143
174.052171.707
-2.345
275.465271.753
-3.712
144
173.498171.706
-1.792
275.465272.620
-2.845
145
172.946171.706
-1.240
275.465273.490
-1.975
146
172.396171.706
-690
275.465274.363
-1.102
147
171.847171.706
-141
275.465275.239
-226
148Jafnm.
171.300171.705
405
275.465276.117
652
149
170.754171.705
951
275.465276.999
1.534
150
170.212171.705
1.493
275.466277.883
2.417
151
169.669171.705
2.036
275.465278.770
3.305
152
169.130171.705
2.575
275.466279.660
4.194
153
168.591171.704
3.113
275.465280.552
5.087
154
168.055171.704
3.649
275.466281.448
5.982
155
167.520171.704
4.184
275.466282.346
6.880
156
166.986171.704
4.718
275.465283.248
7.783
157
166.454171.704
5.249
275.465284.152
8.687
158
165.924171.703
5.779
275.465285.059
9.594
159
165.397171.703
6.306
275.466285.969
10.503
160
164.870171.702
6.832
275.466286.881
11.415
161
164.345171.702
7.357
275.465287.797
12.332
162
163.822171.702
7.880
275.466288.716
13.250
163
163.300171.702
8.401
275.465289.637
14.172
164
162.781171.702
8.921
275.465290.562
15.097
165
162.263171.701
9.438
275.466291.489
16.023
166
161.746171.701
9.956
275.465292.420
16.955
167
161.232171.701
10.469
275.466293.353
17.887
168
160.718171.701
10.983
275.466294.290
18.824
169
160.206171.701
11.494
275.465295.229
19.764
170
159.696171.700
12.004
275.465296.171
20.706
171
159.189171.700
12.512
275.466297.117
21.651
172
158.681171.700
13.019
275.465298.065
22.600
173
158.177171.700
13.523
275.466299.017
23.551
174
157.673171.700
14.027
275.465299.971
24.506
175
157.171171.700
14.528
275.466300.929
25.463
176
156.671171.699
15.028
275.466301.889
26.423
177
156.172171.699
15.527
275.465302.853
27.388
178
155.675171.698
16.023
275.466303.819
28.353
179
155.179171.698
16.519
275.465304.789
29.324
180
154.686171.698
17.012
275.466305.762
30.296
181
154.193171.698
17.505
275.466306.738
31.272
182
153.702171.698
17.995
275.466307.717
32.251
183
153.213171.698
18.485
275.466308.700
33.234
184
152.726171.697
18.972
275.466309.685
34.219
185
152.239171.697
19.459
275.465310.674
35.209
186
151.755171.697
19.942
275.466311.665
36.199
187
151.272171.697
20.425
275.466312.660
37.194
188
150.790171.697
20.907
275.465313.658
38.193
189
150.310171.696
21.386
275.466314.659
39.193
190
149.831171.696
21.865
275.465315.664
40.199
191
149.355171.696
22.341
275.466316.671
41.205
192
148.879171.696
22.817
275.465317.682
42.217
193
148.405171.695
23.290
275.465318.696
43.231
194
147.933171.696
23.763
275.465319.714
44.249
195
147.462171.695
24.233
275.466320.734
45.268
196
146.992171.695
24.703
275.465321.758
46.293
197
146.524171.695
25.170
275.465322.785
47.320
198
146.059171.694
25.636
275.466323.815
48.349
199
145.594171.694
26.101
275.466324.849
49.383
200
145.130171.694
26.564
275.465325.886
50.421
201
144.668171.694
27.026
275.466326.926
51.460
202
144.207171.694
27.487
275.465327.970
52.505
203
143.748171.694
27.945
275.465329.017
53.552
204
143.291171.693
28.402
275.466330.067
54.601
205
142.834171.693
28.859
275.465331.121
55.656
206
142.380171.693
29.313
275.466332.178
56.712
207
141.927171.693
29.766
275.465333.238
57.773
208
141.475171.693
30.217
275.466334.302
58.836
209
141.024171.692
30.668
275.465335.369
59.904
210
140.576171.692
31.116
275.466336.440
60.974
211
140.128171.692
31.564
275.465337.514
62.049
212
139.683171.692
32.009
275.466338.591
63.125
213
139.237171.692
32.454
275.465339.672
64.207
214
138.794171.691
32.897
275.465340.756
65.291
215
138.353171.691
33.338
275.466341.844
66.378
216
137.912171.691
33.779
275.465342.935
67.470
217
137.473171.691
34.218
275.465344.030
68.565
218
137.036171.691
34.655
275.466345.128
69.662
219
136.600171.691
35.091
275.466346.230
70.764
220
136.164171.690
35.526
275.465347.335
71.870
221
135.731171.690
35.959
275.466348.444
72.978
222
135.299171.690
36.391
275.465349.556
74.091
223
134.869171.690
36.821
275.466350.672
75.206
224
134.439171.689
37.250
275.465351.791
76.326
225
134.011171.689
37.678
275.466352.914
77.448
226
133.585171.689
38.104
275.466354.041
78.575
227
133.159171.689
38.530
275.465355.171
79.706
228
132.735171.689
38.953
275.465356.305
80.840
229
132.313171.688
39.376
275.465357.442
81.977
230
131.892171.688
39.796
275.466358.583
83.117
231
131.472171.688
40.216
275.466359.728
84.262
232
131.053171.688
40.635
275.465360.876
85.411
233
130.637171.688
41.051
275.466362.028
86.562
234
130.220171.688
41.467
275.465363.184
87.719
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127.753171.686
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275.466488.495
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328
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275.466490.055
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329
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275.465491.619
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330
95.886171.673
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275.466493.189
217.723
331
95.581171.672
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275.465494.763
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332
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275.466496.343
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275.466497.928
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334
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275.466499.517
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336
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275.465504.317
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275.466505.927
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275.466510.788
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275.466512.418
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343
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275.466514.054
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344
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275.465515.696
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345
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275.465517.342
241.877
346
91.117171.671
80.553
275.466518.994
243.528
347
90.827171.670
80.843
275.465520.650
245.185
348
90.538171.670
81.132
275.466522.313
246.847
349
90.250171.670
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275.465523.980
248.515
350
89.963171.670
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275.466525.653
250.187
351
89.676171.670
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275.466527.331
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352
89.391171.670
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275.465529.015
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353
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275.466530.704
255.238
354
88.823171.669
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275.465532.398
256.933
355
88.540171.669
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275.465534.098
258.633
356
88.258171.669
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275.466535.803
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357
87.977171.669
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275.466537.513
262.047
358
87.697171.669
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275.466539.229
263.763
359
87.418171.669
84.251
275.465540.951
265.486
360
87.140171.669
84.529
275.465542.679
267.214
Samtals58.700.38561.812.688
3.112.303
99.167.511116.399.497
17.231.986

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