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Forskuddsgarantier brukes for å redusere risiko og optimalisere likviditet.\n\nForskuddsgarantier stilles som sikkerhet for tilbakebetaling av forskuddsbetalinger dersom varen ikke leveres i henhold til det avtalte.\n\nEn forskuddsgaranti sees primært i forbindelse med leveranser fra industrielle virksomheter hvor kjøper ønsker å sikre tilbakebetaling av forskuddsbetalinger dersom virksomheten ikke kan levere det avtalte.\n\nForskuddsgarantier sees også i forbindelse med byggeprosjekter hvor det inngår levering av materialer. Her kan du som byggherre/kjøper sikre deg at du får eventuelle forskuddsbetalinger tilbake dersom entreprenøren/leverandøren ikke kan oppfylle sin leveringsforpliktelse i henhold til kontrakten. Størrelsen på en forskuddsgaranti svarer normalt til det forskuddsbetalte beløp, og garantien utløper normalt når det kontraktsmessige arbeidet er overlevert.","intro":"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.\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 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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":"Intro intro intro intro intro intro intro intro intro intro intro intro introintro intro introintro intro intro intro intro introintro intro intro intro intro intro intro intro intro intro intro intro intro intro intro intro intro introintro intro intro intro intro intro intro intro 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