{"componentChunkName":"component---src-templates-product-js","path":"/forskuddsgarantiforsikring","result":{"pageContext":{"id":"5b0e4711-dc4f-4e2b-bb27-fa9d8f2b97df","slug":"forskuddsgarantiforsikring","name":"Forskuddsgarantiforsikring","explanation":"Forskuddsgarantier stilles som sikkerhet for tilbakebetaling av forskuddsbetalinger dersom varen eller tjenesten ikke leveres i henhold til avtale. Forskuddsgarantier brukes for å redusere risiko og optimalisere likviditet. \nForskuddsgarantier stilles som sikkerhet for tilbakebetaling av forskuddsbetalinger dersom varen ikke leveres i henhold til det avtalte.\n","intro":"Frigjør kapital med forskuddsgarantier utstedt av forsikringsselskaper. Garantiforsikringer er likestilt med bankgarantier. Motta uforpliktende tilbud fra våre samarbeidspartnere.\n\nSlettes?\n\nForskuddsgarantier stilles som sikkerhet for tilbakebetaling av forskuddsbetalinger dersom varen eller tjenesten ikke leveres i henhold til avtale. Forskuddsgarantier brukes for å redusere risiko og optimalisere likviditet.\n","content":[{"_key":"3953c0405c51","_type":"block","children":[{"_key":"3953c0405c510","_type":"span","marks":["strong"],"text":"Hva er en forskuddsgarantiforsikring?                "}],"markDefs":[],"style":"h2"},{"_key":"81209b445110","_type":"block","children":[{"_key":"81209b4451100","_type":"span","marks":[],"text":"Forskuddsgarantiforsikring brukes som sikkerhet for tilbakebetaling av forskudd til kjøper eller bestiller dersom varen eller tjenesten ikke leveres i henhold til kontrakt."}],"markDefs":[],"style":"normal"},{"_key":"bb0114efffff","_type":"block","children":[{"_key":"bb0114efffff0","_type":"span","marks":[],"text":"Det er kjøper eller bestiller som stiller krav til at selger stiller en forskuddsgaranti. Garantien gjelder fra det tidspunktet selger mottar forskuddet. Garantibeløpet tilsvarer forskuddsbetalingen og er vanligivis 10 til 30 % av kontraktsummen.\n\nForskuddsgaranti er ofte benyttet i forbindelse med byggeprosjekter, som f.eks leveranser av prefabrikkerte elementer. Som kjøper kan du sikre at du får eventuelle forskuddsbetalinger tilbake dersom leverandøren ikke oppfyller sine leveringsforpliktelser."}],"markDefs":[],"style":"normal"},{"_key":"cd5cf0bfa35d","_type":"block","children":[{"_key":"cd5cf0bfa35d0","_type":"span","marks":[],"text":"Hvorfor bruke et forsikringsselskap til forskuddsgarantiforsikring?     "}],"markDefs":[],"style":"h2"},{"_key":"1b34a49f121b","_type":"block","children":[{"_key":"1b34a49f121b0","_type":"span","marks":[],"text":"Garantiforsikringer er ofte billigere enn bankgarantier. Garantiforsikringer belaster ikke bedriftens kreditt fasiliteter, men frigjør kapital."}],"markDefs":[],"style":"normal"},{"_key":"a56a1954944b","_type":"block","children":[{"_key":"a56a1954944b0","_type":"span","marks":[],"text":"Hvilke tradisjonelle bankprodukter erstatter en forskuddsgarantiforsikring?    "}],"markDefs":[],"style":"h2"},{"_key":"81bae0c0e9f2","_type":"block","children":[{"_key":"81bae0c0e9f20","_type":"span","marks":[],"text":"Garantier etter kontrakter mellom profesjonelle parter der garantier ofte må stilles i henhold til Norsk Standard."}],"markDefs":[],"style":"normal"},{"_key":"5e8dccc5d21f","_type":"block","children":[{"_key":"5e8dccc5d21f0","_type":"span","marks":[],"text":"Når bør man benytte seg av forskuddsgarantiforsikringfra forsikringsselskap?"}],"markDefs":[],"style":"h2"},{"_key":"f6a3e87d4bda","_type":"block","children":[{"_key":"f6a3e87d4bda0","_type":"span","marks":[],"text":"Når det er inngått kontrakter som krever en eller annen form for garanti. Garantiforsikringen oppfyller de samme kravene som en bankgaranti i tillegg til egenskapene knyttet til frigjøring av kapital."}],"markDefs":[],"style":"normal"},{"_key":"bc7462f8c247","_type":"block","children":[{"_key":"bc7462f8c2470","_type":"span","marks":[],"text":"Hvem kan kjøpe en forskuddsgarantiforsikring?       "}],"markDefs":[],"style":"h2"},{"_key":"3b32f5426ab3","_type":"block","children":[{"_key":"3b32f5426ab30","_type":"span","marks":[],"text":"Vanligvis er det selger som etter krav fra kjøper stiller krav om forskuddsgaranti. Det avhenger av hvilke forpliktelser som er avtalt utført i kontrakten. For å kunne få tilbud om forsikringen må ofte følgende kriterier oppfylles:                                                                                           "}],"markDefs":[],"style":"normal"},{"_key":"65a1d26e0c55","_type":"block","children":[{"_key":"65a1d26e0c550","_type":"span","marks":[],"text":"Minimum 3 års positiv drift i selskapet"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"a9b441527599","_type":"block","children":[{"_key":"a9b4415275990","_type":"span","marks":[],"text":"Ingen tidligere konkurser e.l."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4469fd7d1125","_type":"block","children":[{"_key":"4469fd7d11250","_type":"span","marks":[],"text":"Ingen tidligere erstatningssaker"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"5ead9dc28b82","_type":"block","children":[{"_key":"5ead9dc28b820","_type":"span","marks":[],"text":"Hva sparer man på å bruke en forsikringsgaranti istedenfor bankgaranti?     "}],"markDefs":[],"style":"h2"},{"_key":"07d338b24586","_type":"block","children":[{"_key":"07d338b245860","_type":"span","marks":[],"text":"Forsikringspremien er ofte lavere enn prisen for bankgarantier. Forsikringspremien er en engangskostnad, bankgarantien er en årlig kostnad knyttet til garantiens løpetid. Forsikringsgarantier har sjeldent etableringsgebyr i motsetning til bankgarantier."},{"_key":"07d338b245861","_type":"span","marks":["strong"],"text":"                             "}],"markDefs":[],"style":"normal"},{"_key":"b966855748aa","_type":"block","children":[{"_key":"b966855748aa0","_type":"span","marks":[],"text":"Hva koster en forsikringsgaranti fra et forsikringsselskap?    "}],"markDefs":[],"style":"h2"},{"_key":"80c553fe1526","_type":"block","children":[{"_key":"80c553fe15260","_type":"span","marks":[],"text":"Premien (kostnaden) settes ut fra ulike parameter, her kan det variere fra forsikringsselskap til forsikringsselskap. Premien beregnes ut fra garantistens (søker) økonomi, garantibeløp, kontraktstype, kontraktspart og løpetid."}],"markDefs":[],"style":"normal"},{"_key":"73495a90ecbc","_type":"block","children":[{"_key":"73495a90ecbc0","_type":"span","marks":[],"text":"Hvordan får man kjøpt byggsikkerhetsgarantiforsikring?"}],"markDefs":[],"style":"h2"}],"image":{"asset":{"url":"https://cdn.sanity.io/images/nb9adhcu/production/0f88599b19a272535c3516021c2fe626f2a17993-2732x1829.jpg","fluid":{"srcWebp":"https://cdn.sanity.io/images/nb9adhcu/production/0f88599b19a272535c3516021c2fe626f2a17993-2732x1829.jpg?w=700&h=469&fit=crop&fm=webp","srcSetWebp":"https://cdn.sanity.io/images/nb9adhcu/production/0f88599b19a272535c3516021c2fe626f2a17993-2732x1829.jpg?w=175&h=117&fit=crop&fm=webp 175w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/0f88599b19a272535c3516021c2fe626f2a17993-2732x1829.jpg?w=350&h=234&fit=crop&fm=webp 350w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/0f88599b19a272535c3516021c2fe626f2a17993-2732x1829.jpg?w=700&h=469&fit=crop&fm=webp 700w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/0f88599b19a272535c3516021c2fe626f2a17993-2732x1829.jpg?w=1050&h=703&fit=crop&fm=webp 1050w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/0f88599b19a272535c3516021c2fe626f2a17993-2732x1829.jpg?w=1400&h=937&fit=crop&fm=webp 1400w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/0f88599b19a272535c3516021c2fe626f2a17993-2732x1829.jpg?w=2100&h=1406&fit=crop&fm=webp 2100w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/0f88599b19a272535c3516021c2fe626f2a17993-2732x1829.jpg?fm=webp 2732w","srcSet":"https://cdn.sanity.io/images/nb9adhcu/production/0f88599b19a272535c3516021c2fe626f2a17993-2732x1829.jpg?w=175&h=117&fit=crop 175w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/0f88599b19a272535c3516021c2fe626f2a17993-2732x1829.jpg?w=350&h=234&fit=crop 350w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/0f88599b19a272535c3516021c2fe626f2a17993-2732x1829.jpg?w=700&h=469&fit=crop 700w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/0f88599b19a272535c3516021c2fe626f2a17993-2732x1829.jpg?w=1050&h=703&fit=crop 1050w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/0f88599b19a272535c3516021c2fe626f2a17993-2732x1829.jpg?w=1400&h=937&fit=crop 1400w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/0f88599b19a272535c3516021c2fe626f2a17993-2732x1829.jpg?w=2100&h=1406&fit=crop 2100w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/0f88599b19a272535c3516021c2fe626f2a17993-2732x1829.jpg 2732w","src":"https://cdn.sanity.io/images/nb9adhcu/production/0f88599b19a272535c3516021c2fe626f2a17993-2732x1829.jpg?w=700&h=469&fit=crop","sizes":"(max-width: 700px) 100vw, 700px","base64":"data:image/jpeg;base64,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","aspectRatio":1.493712411153636}}},"substitute_products":["Forskuddsgaranti"],"background":[{"_key":"9b3cf8afccdd","_type":"block","children":[{"_key":"9b3cf8afccdd0","_type":"span","marks":[],"text":"Forskuddsgarantier stilles som sikkerhet for tilbakebetaling av forskuddsbetalinger dersom varen ikke leveres i henhold til det avtalte."}],"markDefs":[],"style":"normal"},{"_key":"faa675cf65bf","_type":"block","children":[{"_key":"faa675cf65bf0","_type":"span","marks":[],"text":"En forskuddsgaranti etter Bustadoppføringslova §47 er en garanti som sikrer boligkjøperens forskuddsinnbetaling på boligen i tilfelle utbygger/entreprenør ikke klarer å gjennomføre prosjektet eller det oppstår mangler som ikke blir rettet."}],"markDefs":[],"style":"normal"},{"_key":"1f0be8098c5c","_type":"block","children":[{"_key":"1f0be8098c5c0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"providers":null,"provider":[{"slug":{"current":"euler-hermes-norge"},"name":"Euler Hermes Norge","introduction":"Euler Hermes er et globalt kredittforsikringsselskap. De er en del av Allianz som er et av verdens største forsikring- og finanskonsern. Utover garantiforsikringer tilbyr de kreditforsikringer og inkassotjenester.","homepage":"https://www.eulerhermes.com/no_NO/garantiforsikring.html","logo":{"asset":{"url":"https://cdn.sanity.io/images/nb9adhcu/production/2af2f569ad6dc1d77d22aa56ba347545bcd47a72-600x315.jpg","fluid":{"srcWebp":"https://cdn.sanity.io/images/nb9adhcu/production/2af2f569ad6dc1d77d22aa56ba347545bcd47a72-600x315.jpg?fm=webp","srcSetWebp":"https://cdn.sanity.io/images/nb9adhcu/production/2af2f569ad6dc1d77d22aa56ba347545bcd47a72-600x315.jpg?w=150&h=79&fit=crop&fm=webp 150w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/2af2f569ad6dc1d77d22aa56ba347545bcd47a72-600x315.jpg?w=300&h=158&fit=crop&fm=webp 300w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/2af2f569ad6dc1d77d22aa56ba347545bcd47a72-600x315.jpg?fm=webp 600w","srcSet":"https://cdn.sanity.io/images/nb9adhcu/production/2af2f569ad6dc1d77d22aa56ba347545bcd47a72-600x315.jpg?w=150&h=79&fit=crop 150w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/2af2f569ad6dc1d77d22aa56ba347545bcd47a72-600x315.jpg?w=300&h=158&fit=crop 300w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/2af2f569ad6dc1d77d22aa56ba347545bcd47a72-600x315.jpg 600w","src":"https://cdn.sanity.io/images/nb9adhcu/production/2af2f569ad6dc1d77d22aa56ba347545bcd47a72-600x315.jpg","sizes":"(max-width: 600px) 100vw, 600px","base64":"data:image/jpeg;base64,/9j/2wBDAAYEBQYFBAYGBQYHBwYIChAKCgkJChQODwwQFxQYGBcUFhYaHSUfGhsjHBYWICwgIyYnKSopGR8tMC0oMCUoKSj/2wBDAQcHBwoIChMKChMoGhYaKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCj/wAARCAALABQDASIAAhEBAxEB/8QAGQAAAgMBAAAAAAAAAAAAAAAAAAUDBAYH/8QAIhAAAgEDAwUBAAAAAAAAAAAAAQMAAgQFBhESFCExQXGB/8QAFQEBAQAAAAAAAAAAAAAAAAAAAwT/xAAaEQACAgMAAAAAAAAAAAAAAAAAAwISAQRR/9oADAMBAAIRAxEAPwDsWhdb5POXzVXtrRwpXzAXSQd/2bc5BvHcWbj38S2q3SokqUugn3TSBJZRtNW1llQrjgGuua4VZK2ei2nIuI36Jw+wjKEnGP/Z","aspectRatio":1.9047619047619047}}},"can_use_logo":null},{"slug":{"current":"atradius"},"name":"Atradius","introduction":"Atradius er et globalt kredittforsikringsselskap som har tilstedeværelse i over 50 land. Utover garantiforsikringer tilbyr de kreditforsikringer og inkassotjenester.","homepage":"https://atradius.no/produkt/garantier.html","logo":{"asset":{"url":"https://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png","fluid":{"srcWebp":"https://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png?w=700&h=160&fit=crop&fm=webp","srcSetWebp":"https://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png?w=175&h=40&fit=crop&fm=webp 175w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png?w=350&h=80&fit=crop&fm=webp 350w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png?w=700&h=160&fit=crop&fm=webp 700w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png?w=1050&h=240&fit=crop&fm=webp 1050w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png?w=1400&h=320&fit=crop&fm=webp 1400w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png?fm=webp 1621w","srcSet":"https://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png?w=175&h=40&fit=crop 175w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png?w=350&h=80&fit=crop 350w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png?w=700&h=160&fit=crop 700w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png?w=1050&h=240&fit=crop 1050w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png?w=1400&h=320&fit=crop 1400w,\nhttps://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png 1621w","src":"https://cdn.sanity.io/images/nb9adhcu/production/f048f111ba12a57e1d2bcb6dc57a9118f51abb22-1621x371.png?w=700&h=160&fit=crop","sizes":"(max-width: 700px) 100vw, 700px","base64":"data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABQAAAAECAYAAACOXx+WAAAACXBIWXMAAC4jAAAuIwF4pT92AAAA8UlEQVQY0y2OsWoCQRRFZ0MiFmIlsUgREEQQLAISsqKFqVJEMMRGFFJuE4jaqEGNOtk3u0rET7BI6Q9Y5Ecss36IZ2IGDve9NzNnRkXKvYmcUgEeDsrt/Z6VnnaV9tV0vbwMtU4Z8ZMiEjdGYsb456eUNHWO+TWZIO3ccqEix31BNEa4IfU+Wb1djaZFMdJC1oBHEf+ew2UuV2wiaJAe2WRWJV16S1kdnL8fevCNsPtz18x+LkwNUQCC+J2DXXiDCZc/kGhqu8bQhwF9H4bKLmQZeIX2tu7l9TJ4RjaBEGb/wg6E8AUGND+3QrsfwJyH5kehUY3zZ+Pq2QAAAABJRU5ErkJggg==","aspectRatio":4.369272237196766}}},"can_use_logo":null},{"slug":{"current":"tryg-garanti"},"name":"Tryg Garanti","introduction":"Tryg Garanti er en del av av den  forsikringsgruppen Tryg. 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De har konsesjon fra Finanstilsynet. 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Matrix formidler garantiforsikringer til det norske markedet på vegne av utenlandske forsikringsgivere. 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