Other prices related to loans and credits
| Price | |
|---|---|
| Arrangement fee | 2,00% |
| Price | |
|---|---|
| If the debtor changes or one of the debtors assumes liability for the loan alone. Does not apply to loans intermediated from government funds. | 100,00 € |
| Price | |
|---|---|
| When a loan is transferred to another bank at the customer’s request. The other bank is charged. Does not apply to loans intermediated from government funds. |
120,00 € |
| Price | |
|---|---|
| When a lifelong housing loan granted by Kansallis-Osake-Pankki is transferred to another debtor with the bank’s consent, the new debtor is charged | 168,00 € |
| Raise of credit limit of Limit FlexiCredit, raising fee | Price |
|---|---|
| - normal price | 75,00 € |
| - Key Customer price | 37,50 € |
| - Preferred Customer price | 56,25 € |
| Monthly invoicing fee of Limit FlexiCredit | Price per month |
| - as automatic debiting of the loan payment | 2,80 € |
| - without automatic debiting of the loan payment | 3,70 € |
| Other fees of Limit FlexiCredit | Price |
| - copies of receipts and invoices per copy | 10,00 € |
| - change in repayment schedule | 17,00 € |
| - balance or interest statement on request | 10,00 € |
| - payment reminder | 5,00 € |
| Price | |
|---|---|
| Paper invoice - loan granted by UBF before 1 March 1992, not automatically debited |
1,18 € |
| Invoice in Netbank - loan granted by UBF before 1 March 1992, not automatically debited |
1,00 € |
| Paper invoice - loan granted by Kansallis-Osake-Pankki before 1 July 1995, not automatically debited |
3,36 € |
| Invoice in Netbank - loan granted by Kansallis-Osake-Pankki before 1 July 1995, not automatically debited |
1,00 € |
| Paper invoice - other loans granted before 1 May 2006, not automatically debited |
6,00 € |
| Invoice in Netbank - other loans granted before 1 May 2006, not automatically debited |
1,00 € |
| Paper invoice - other loans granted after 1 May 2006, not automatically debited |
6,00 € |
| Invoice in Netbank - other loans granted after 1 May 2006, not automatically debited |
1,20 € |
| Advance notifications and loan itemisations or printed invoices for automatically debited government loans | 0,00 € |
| Changing from electronic advance notifications, loan itemisations and invoices to printed ones (change to an earlier agreement on Netbank use) | 25,00 € |
| Price | |
|---|---|
| For automatic debiting of a loan payment to the loan servicing account, per debit | |
| - loans granted before 1 November 2006 | 0,00 € |
| - loans granted after 1 November 2006 | 1,80 € |
| Price | |
|---|---|
| When a credit document is sent to another bank for getting a guarantee or a signature, the debtor is charged, per sending. Does not apply to loans intermediated from government funds. | 20,00 € (sis. ALV 3,73 €) |
| Price | |
|---|---|
|
Certificate stating the amount of debt and paid interest as in the repayment schedule on automatically debited loan - Nordea sends this certificate to the customer without separate request |
|
|
Certificates requested by the customer stating the amount of debt and paid interest (incl. postage) |
10,00 € |
|
Certificate stating the amount of debt and estimate of interest to be paid for a specific period, given with access codes through personal service or Netbank's customer mail; actual cost of labour is charged (incl. postage); minimum |
10,00 € |
|
Certificate stating the amount of debt and estimate of interest to be paid for a specific period; actual cost of labour is charged (incl. postage); minimum |
10,00 € |
| Price | |
|---|---|
|
Customer is charged compensation for cancellation of a loan drawdown or change of drawdown date if |
1 % myönnetyn luoton määrästä, kuitenkin vähintään 168,19 € |
| Arrangement fee | Price |
|---|---|
| - upon drawdown of a foreign currency credit, an arrangement fee is charged on the granted principal; for housing loans a minimum of | vähintään 2 % kuitenkin vähintään 500,00 |
| - arrangement fee for other credits a minimum of | vähintään 3 % kuitenkin vähintään 500,00 |
|
When the loan period is extended, the arrangement fee is charged on the principal for the extended period. |
|
| Amendments to credit terms | |
|
If the customer wants to change the following credit terms (within the credit period): it is possible on the first day of a new interest determination period. This must be agreed on with the bank at least five banking days before the new interest determination period begins. A one-time fee for an amendment is 170,00 €. |
|
| Credit terms cannot be changed in the middle of an interest determination period. | |
| Payment default | Price |
|
If an automatic debit of a loan fails due to insufficient cover, or the debtor otherwise fails to pay interest, an instalment or other payment by the due date, the debtor is charged a fee for each reminder or notification given by phone or mail to the debtor, guarantor or a third-party pledger. |
5,00 € |
| Repayments in foreign currency must be paid at the payment date’s exchange rate but at least the due date’s rate. | |
| Premature repayment of a loan drawn down after 1 December 2010 |
|---|
|
For premature repayment of a loan an early closure fee is charged when ▪ the granted loan amount exceeds € 20,000.00 and
|
| Premature repayment of a credit other than a housing loan drawn down after 1 December 2010 |
|
The bank is entitled to receive compensation from the borrower when he or she repays the credit or part of it prematurely if the credit interest is fixed.
|
| Premature repayment of a loan drawn down during 1 January 1994 - 30 November 2010 |
|
For premature repayment of a loan an early closure fee is charged when ▪ the granted loan amount exceeds € 16,818.79, and
|
| Change of security | Price |
|---|---|
| Fee charged when security is changed upon the customer’s request | 100,00 € |
| A change of guarantor is also considered change of security. | |
| Sending of security | Price |
|
Sending of a security of a paid-up credit to another bank for acquiring of acknowledgement of receipt |
20,00 € |
| Secondary pledge | Price |
|
Drafting of a secondary pledge agreement for a personal customer |
100,00 € |
| Mortgage security | |
| To special measures caused by mortgage security the section Legal Assignments is applied. | |
| Sending of notification | Price |
|
A notification sent to a general guarantor or pledger of a general third-party pledge on an additional credit granted to the debtor against guarantee or pledge |
10,00 € |
| Supervision of fulfilment of agreement terms | Price |
|
Supervision of safe custody on behalf of the seller and buyer of certificates of shares in a housing company given as security, and supervision of fulfilment of a contractual term concerning the deposit of the shares or a pledge; for a personal customer a minimum fee of |
vähintään 50,00 € |
|
Management of shares, government bonds and other securities given as collateral according to an agreement or a separate order, a fee according to the Investments section of the tariff is charged. |
|
|
Supervision of trading concerning a securities portfolio pledged as security, per each trade transaction (incl. VAT € 7.22) |
40,00 € (sis. ALV 7,47 €) |
| Document notation in share certificate | Price |
|
Delivery of share certificates serving as security for a loan to another bank for making of notes; the customer’s bank charges the customer as compensation for labour and liability for loss per delivery (incl. VAT € 9.02) |
50,00 € (sis. ALV 9,34 €) |
