Housing loan

Nordea will give you an affordable housing loan that suits your needs. Get a loan promise beforehand, so you can make a bid right away when you find the home of your choice.

Housing loan Featured Consumer Credit Information Prices Terms and conditions Housing loan

  • You can get a housing loan for buying a house or a flat and for renovating it. Your housing loan may amount to around 75% of the price of the house or the flat. The loan will be secured by the house or the flat.
  • With an OwnGuarantee, you may be able to buy a home without any initial capital.
  • By including the FlexiPayment feature in your housing loan, you will ensure flexibility in your finances. FlexiPayment gives you the chance to have instalment-free months or years.
  • Interest on loans taken for buying a new home or for renovating your existing home is tax-deductible.
Featured Consumer Credit Information

Standard European Consumer Credit Information

To make comparing easier, the applicant has the right to receive the key information on the credit on a Standard European Consumer Credit Information form before signing the credit agreement. The information on the form may be calculated with the details given by the customer or on typical values. The form on this page is calculated with typical values, which means that a typical euro amount for this credit type is applied.

The form specifies the lender's contact information, the main features of the credit product, the costs, other important legal aspects and, if needed, the additional information required for distance selling.
The information on the form may be binding or unbinding on the lender. A binding form requires a positive credit decision. 

Standard European Consumer Credit Information (pdf, 219 KB)Opens new window

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 *)
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

Partial drawdown
Automatic debiting of loan payments
FlexiPayment for a new housing loan
FlexiPayment for an existing housing loan

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

Advance notice of loan debiting by letter or through Netbank
Loan payment, paper invoice
Payment reminder to borrower, guarantor or third-party pledger (per reminder)
Change in repayment schedule
Change of the due date or loan servicing account (Minor change of the repayment schedule)
Change of borrower
Change of the applied interest or margin
Obtaining a guarantor’s or pledge owner’s consent to amend the loan terms, such as the repayment schedule or reference rate
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.
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 *)
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

Partial drawdown
Automatic debiting of loan payments
FlexiPayment for a new housing loan
FlexiPayment for an existing housing loan

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

Advance notice of loan debiting by letter or through Netbank
Loan payment, paper invoice
Payment reminder to borrower, guarantor or third-party pledger (per reminder)

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

 
Change of the due date or loan servicing account (Minor change of the repayment schedule)
Change of borrower
Change of the applied interest or margin
Obtaining a guarantor’s or pledge owner’s consent to amend the loan terms, such as the repayment schedule or reference rate
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.
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 *)
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

Partial drawdown
Automatic debiting of loan payments
FlexiPayment for a new housing loan
FlexiPayment for an existing housing loan 

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

Advance notice of loan debiting by letter or through Netbank
Loan payment, paper invoice
Payment reminder to borrower, guarantor or third-party pledger (per reminder)

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

  
Change of the due date or loan servicing account (Minor change of the repayment schedule)
Change of borrower
Change of the applied interest or margin
Obtaining a guarantor’s or pledge owner’s consent to amend the loan terms, such as the repayment schedule or reference rate
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.
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 *)
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

Partial drawdown
Automatic debiting of loan payments
FlexiPayment for a new housing loan
FlexiPayment for an existing housing loan 

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

Advance notice of loan debiting by letter or through Netbank
Loan payment, paper invoice
Payment reminder to borrower, guarantor or third-party pledger (per reminder)

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

  
Change of the due date or loan servicing account (Minor change of the repayment schedule)
Change of borrower
Change of the applied interest or margin
Obtaining a guarantor’s or pledge owner’s consent to amend the loan terms, such as the repayment schedule or reference rate
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.
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.