Flexibility for your housing loan repayments

FlexiPayment for your housing loan

Nordea offers two instalment-free period alternatives for your housing loan: FlexiPayment and a change to your loan repayment schedule.

FlexiPayment

When you need temporary flexibility for your housing loan repayment in case of unexpected expenses, FlexiPayment is a good solution. It will give you welcome room for manoeuvre when your old washing machine breaks down, for example. Once you have been granted FlexiPayment, you can reduce or increase the amount of your loan instalments according to your needs. In this case you only pay the interest and fees. If your loan already has FlexiPayment, you can change the loan instalment in Netbank. If you want to link the FlexiPayment feature to your loan, contact Nordea Customer Service.

Read more about FlexiPayment.

You can also obtain more information in Netbank at: Loans / FlexiPayment.

Change to housing loan repayment schedule

A change to your repayment schedule will bring flexibility for your finances if you need a longer-term relief for your loan repayment due to a study leave or an unpaid maternity leave, for example. In such a case, you agree with the bank on a certain instalment-free period and whether your loan period will be extended or the remaining instalments will be increased within your original loan period. During the instalment-free period you do not amortise your loan, paying only the interest and fees.

You can also apply for a credit raise in Netbank, through Nordea Customer Service or at any Nordea branch.

More information is available in Netbank at: Loans / Credit information / Submit application for change in repayment schedule.

All products Interest rate hedging All products

Housing loan

Apply for a housing loan that suits your needs from Nordea

With Nordea's housing loan you can realise your dreams – buy a home, build a house or purchase an investment property.

Interest rate collar

Stability to reference rate changes

The interest rate collar is a new kind of interest rate hedging product with which you ensure that the reference rate on your loan stays within the agreed limits and will not exceed the agreed maximum level during the validity of the hedge.

OwnGuarantee

An OwnGuarantee helps you to acquire a home with a small start capital

With an OwnGuarantee, you need less savings for financing a new home, and you may not need any other security for your housing loan.

Interest rate cap

Don't let the interest on your housing loan get out of hand

With an interest rate cap, you can make sure that the reference rate on your loan will never exceed a certain level. An interest rate cap can be taken for an old or a new loan.

ASP loan (ASP account)

Save 10% of the price of a new home in an ASP account, and we will lend you the rest

You can open an ASP account if you are aged between 18 and 39.

HomeFlex

Large purchases with a small monthly payment

Is your home in need of refurbishing or is your housing company planning to renovate its plumbing? HomeFlex will free up your home equity so that you can realise your.

FlexiPayment

FlexiPayment can be added to a new loan as well as to existing ones

When you have FlexiPayment linked to your housing loan, you can decrease or increase the monthly instalment on your loan – or even skip the instalment for a month without notifying us.

Pay your own share of a housing company loan

Does the charge for financial costs you are paying your housing company seem too high?

If you take your share of the housing company loan in your own name, you get two advantages: you can tailor the monthly payment to suit your finances and you get a tax benefit.

Interest rate hedging

Interest rate collar

Stability to reference rate changes

The interest rate collar is a new kind of interest rate hedging product with which you ensure that the reference rate on your loan stays within the agreed limits and will not exceed the agreed maximum level during the validity of the hedge.

Interest rate cap

Don't let the interest on your housing loan get out of hand

With an interest rate cap, you can make sure that the reference rate on your loan will never exceed a certain level. An interest rate cap can be taken for an old or a new loan.

Fixed interest rate

When your loan has a fixed interest rate,

you will know the exact amount of your monthly instalments during the fixed interest period.

Advice on housing

Man sitting thinking by house 

Interest rate hedging makes life secure

With the right interest hedging products, you can protect your finances even when market interest rates change drastically.

Woman looking out of window 

Two alternatives

FlexiPayment gives you leeway for your monthly loan repayment. Another alternative is to extend your instalment-free period. See which one suits you better.