FlexiPayment

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euros

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. However, you always have to pay the interest.

Flexipayment Features Prices Terms and conditions Flexipayment

  • FlexiPayment can be added to a new loan as well as to existing ones.
  • The loan period will extend or shorten according to the changes you make. The right to make changes applies to the instalments only. You still have to pay the interest every month.
  • If your loan has a government guarantee, an OwnGuarantee taken before 1 December 2011, a fixed interest rate or an interest subsidy (e.g. ASP loan), you cannot include the FlexiPayment feature in your loan.
  •  Usually the amount of FlexiPayment can be a maximum of 10% of your loan amount.
Features

  • You can change your monthly loan instalment in Netbank within the limits agreed on in advance.
  • You can set your monthly loan instalment to zero or lower it without asking the bank's permission and when you have extra money, you can pay a bigger instalment.

How to change the instalments in Netbank

You can see the next instalment amount in Netbank 14 days prior to the due date, at the latest.

You change the loan instalment on the 'Due payments and transfers' display by clicking the 'Change' link.

The Netbank service will ask you to confirm the change before you log out.

Unconfirmed changes are shown in Netbank until the due date.

If you have entered the payment via the 'Change' link, but then decided to leave the payment as is, return by clicking the 'Cancel' button.

If you have clicked 'OK', remember to give the confirmation code - whether you changed the amount or not. If you do not give the confirmation code, the payment will not be paid at all.

Prices
Optional reference rates for housing loans and secured consumer credit 
Nordea Prime 
Euribor 12 months  
Fixed rates for 3, 5, 10 and 15 years (quoted on the drawdown date)
The potential reference rates of an ASP loan
Nordea Prime 
Euribor 12 months  
Most common prices for housing loans and secured consumer credits for Key Customer
ItemisationPrice
Arrangement fee *)0,4 %; 300 € minimum
Increased arrangement fee when a loan is secured by a third-party pledge or a guarantee

 *The increase does not apply to interest-subsidised ASP loans

100,00 €
Partial drawdown30,00 €
Automatic debiting of loan payments2,30 €
FlexiPayment for a new housing loan0,00 €
FlexiPayment for an existing housing loan

A fee in accordance with the tariff is charged for the automatic debit of a loan payment.

0,00 €
Advance notice of loan debiting by letter or through Netbank0,00 €
Loan payment, paper invoice6,00 €
Payment reminder to borrower, guarantor or third-party pledger (per reminder)5,00 €
Change in repayment schedule200,00 €
Change of the due date or loan servicing account (Minor change of the repayment schedule)40,00 €
Change of borrower200,00 €
Change of the applied interest or margin200,00 €
Obtaining a guarantor’s or pledge owner’s consent to amend the loan terms, such as the repayment schedule or reference rate35,00 €
Transfer of a loan to another bank upon customer’s request. Charged to the receiving bank. Does not apply to loans intermediated from government funds.120,00 €
Premature repayment of a loan and change of reference rate for loans drawn down on or after 1 December 2010Further information
Premature repayment of a loan and change of reference rate for loans drawn down between 1 January 1994 and 30 November 2010Further information
Early closure fee charged on fixed-interest loans drawn down from KOP bank prior to 8 March 1991Further information
Early closure fee charged on fixed interest loans drawn down from KOP bank between 8 March 1991 and 1 January 1994Further information
Early closure fee charged on loans other than fixed interest loans drawn down from KOP bank prior to 1 January 1994Further information
Early closure fee charged on loans drawn down from SSP bank prior to 1 January 1994Further information

Other prices related to loans and credit 

Prices related to security for loans 

*) Arrangement fee is charged in connection with the first drawdown and with a raise or renewal of a loan.

Optional reference rates for housing loans and secured consumer credit 
Nordea Prime 
Euribor 12 months  
Fixed rates for 3, 5, 10 and 15 years (quoted on the drawdown date)
The potential reference rates of an ASP loan
Nordea Prime 
Euribor 12 months  
Most common prices for housing loans and secured consumer credits for Preferred Customers
ItemisationPrice
Arrangement fee *)0,4 %; 300 € minimum
Increased arrangement fee when a loan is secured by a third-party pledge or a guarantee

 *The increase does not apply to interest-subsidised ASP loans

100,00 €
Partial drawdown30,00 €
Automatic debiting of loan payments2,30 €
FlexiPayment for a new housing loan0,00 €
FlexiPayment for an existing housing loan

A fee in accordance with the tariff is charged for the automatic debit of a loan payment.

0,00 €
Advance notice of loan debiting by letter or through Netbank0,00 €
Loan payment, paper invoice6,00 €
Payment reminder to borrower, guarantor or third-party pledger (per reminder)5,00 €

Change in repayment schedule

- Limited offer from 17 February until 30 June 2015: Instalment-free period for a housing loan (max 12 months) EUR 0.00

200,00 € 
Change of the due date or loan servicing account (Minor change of the repayment schedule)40,00 €
Change of borrower200,00 €
Change of the applied interest or margin200,00 €
Obtaining a guarantor’s or pledge owner’s consent to amend the loan terms, such as the repayment schedule or reference rate35,00 €
Transfer of a loan to another bank upon customer’s request. Charged to the receiving bank. Does not apply to loans intermediated from government funds.120,00 €
Premature repayment of a loan and change of reference rate for loans drawn down on or after 1 December 2010Further information
Premature repayment of a loan and change of reference rate for loans drawn down between 1 January 1994 and 30 November 2010Further information
Early closure fee charged on fixed-interest loans drawn down from KOP bank prior to 8 March 1991Further information
Early closure fee charged on fixed interest loans drawn down from KOP bank between 8 March 1991 and 1 January 1994Further information
Early closure fee charged on loans other than fixed interest loans drawn down from KOP bank prior to 1 January 1994Further information
Early closure fee charged on loans drawn down from SSP bank prior to 1 January 1994Further information

Other prices related to loans and credit 

Prices related to security for loans

*) Arrangement fee is charged in connection with the first drawdown and with a raise or renewal of a loan.

Optional reference rates for housing loans and secured consumer credit 
Nordea Prime 
Euribor 12 months  
Fixed rates for 3, 5, 10 and 15 years (quoted on the drawdown date)
The potential reference rates of an ASP loan 
Nordea Prime 
Euribor 12 months
Most common prices for housing loans and secured consumer credits for Check-in
ItemisationPrice
Arrangement fee *)200 €
Increased arrangement fee when a loan is secured by a third-party pledge or a guarantee 

 *The increase does not apply to interest-subsidised ASP loans

100,00 €
Partial drawdown30,00 €
Automatic debiting of loan payments2,30 €
FlexiPayment for a new housing loan0,00 €
FlexiPayment for an existing housing loan 

A fee in accordance with the tariff is charged for the automatic debit of a loan payment.

0,00 €
Advance notice of loan debiting by letter or through Netbank0,00 €
Loan payment, paper invoice6,00 €
Payment reminder to borrower, guarantor or third-party pledger (per reminder)5,00 €

Change in repayment schedule

- Limited offer from 17 February until 30 June 2015: Instalment-free period for a housing loan (max 12 months) EUR 0.00

200,00 €  
Change of the due date or loan servicing account (Minor change of the repayment schedule)40,00 €
Change of borrower200,00 €
Change of the applied interest or margin200,00 €
Obtaining a guarantor’s or pledge owner’s consent to amend the loan terms, such as the repayment schedule or reference rate35,00 €
Transfer of a loan to another bank upon customer’s request. Charged to the receiving bank. Does not apply to loans intermediated from government funds.120,00 €
Premature repayment of a loan and change of reference rate for loans drawn down on or after 1 December 2010Further information
Premature repayment of a loan and change of reference rate for loans drawn down between 1 January 1994 and 30 November 2010Further information
Early closure fee charged on fixed-interest loans drawn down from KOP bank prior to 8 March 1991Further information
Early closure fee charged on fixed interest loans drawn down from KOP bank between 8 March 1991 and 1 January 1994Further information
Early closure fee charged on loans other than fixed interest loans drawn down from KOP bank prior to 1 January 1994Further information
Early closure fee charged on loans drawn down from SSP bank prior to 1 January 1994Further information

Other prices related to loans and credit 

Prices related to security for loans

*) Arrangement fee is charged in connection with the first drawdown and with a raise or renewal of a loan. 

Optional reference rates for housing loans and secured consumer credit 
Nordea Prime 
Euribor 12 months  
Fixed rates for 3, 5, 10 and 15 years (quoted on the drawdown date)
The potential reference rates of an ASP loan 
Nordea Prime 
Euribor 12 months
Most common prices for housing loans and secured consumer credits
ItemisationPrice
Arrangement fee *)0,4 %; 300 € minimum
Increased arrangement fee when a loan is secured by a third-party pledge or a guarantee 

 *The increase does not apply to interest-subsidised ASP loans

100,00 €
Partial drawdown30,00 €
Automatic debiting of loan payments2,30 €
FlexiPayment for a new housing loan0,00 €
FlexiPayment for an existing housing loan 

A fee in accordance with the tariff is charged for the automatic debit of a loan payment.

0,00 €
Advance notice of loan debiting by letter or through Netbank0,00 €
Loan payment, paper invoice6,00 €
Payment reminder to borrower, guarantor or third-party pledger (per reminder)5,00 €

Change in repayment schedule

- Limited offer from 17 February until 30 June 2015: Instalment-free period for a housing loan (max 12 months) EUR 0.00

200,00 €  
Change of the due date or loan servicing account (Minor change of the repayment schedule)40,00 €
Change of borrower200,00 €
Change of the applied interest or margin200,00 €
Obtaining a guarantor’s or pledge owner’s consent to amend the loan terms, such as the repayment schedule or reference rate35,00 €
Transfer of a loan to another bank upon customer’s request. Charged to the receiving bank. Does not apply to loans intermediated from government funds.120,00 €
Premature repayment of a loan and change of reference rate for loans drawn down on or after 1 December 2010Further information
Premature repayment of a loan and change of reference rate for loans drawn down between 1 January 1994 and 30 November 2010Further information
Early closure fee charged on fixed-interest loans drawn down from KOP bank prior to 8 March 1991Further information
Early closure fee charged on fixed interest loans drawn down from KOP bank between 8 March 1991 and 1 January 1994Further information
Early closure fee charged on loans other than fixed interest loans drawn down from KOP bank prior to 1 January 1994Further information
Early closure fee charged on loans drawn down from SSP bank prior to 1 January 1994Further information 

Other prices related to loans and credit

Prices related to security for loans

*) Arrangement fee is charged in connection with the first drawdown and with a raise or renewal of a loan. 

Terms and conditions

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.