Security Prices Security

Security secures the repayment of a loan to the bank. The standard security value is 75% of the value of the home.

You may need further security for the rest of your loan:

  • For the remaining part (maximum 20%) of a housing loan you can buy Nordea Own Gurantee. For the remaining 5% you need your own savings or other security.
  • You can take out a partial state guarantee for a maximum of 10%, so besides that you need other security or own funds.
  • The price of an OwnGuarantee and partial state guarantee depends on the amount of the guarantee. When you use your own funds to finance a home, the required additional security is smaller and the expense is lower. 
  • Real estate, flats, securities and other liquid assets can serve as additional security. In some cases a personal guarantee is possible.
Prices

Security
Most common fees on securityPrices
Increased arrangement fee when a loan is secured by a third-party pledge or a guarantee100,00 €
Acquiring a document required for credit documents (e.g. certificate of insurance, certificate from the property management company), in addition to the fee charged by the issuer of the certificate
15,00 €
Certificate of mortgages and encumbrances from the Land Information System25,00 €
Certificate of title from the Land Information System 20,00 €
Other certificate or extract from the Land Information System10,00 €
Certificate of pledge (RS-5, certificate given to the pledge holder) incl. VAT 24 %50,00 €
Change of security *)200,00 €
Secondary pledge agreement100,00 €
Sending the security of a repaid credit to another bank20,00 €
A notification sent to a general guarantor or pledger of a general third-party pledge concerning additional credit granted to the borrower against guarantee or pledge
10,00 €
Safe custody for 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 the pledge, at least
50,00 €
Fee charged for monitoring the trading in a securities portfolio pledged as collateral, per trade transaction incl. VAT 24 %40,00 €
Fee charged for the delivery of share certificates serving as security for a loan to another bank for making notes (fee covers labour costs and liability for loss), per delivery, incl. VAT 24 %50,00 €

*) A change of guarantor is also considered a change of security

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Travel fever?

A beach vacation or why not travel around the world? Apply for a loan that suits your need and book a trip!

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Car fever?

Buying a new or a used car? Apply for a loan that suits your need and go to the car dealer!

Holiday home loan

You already have a barbecue. Only the holiday home is missing.

Looking for a holiday home? Apply for a loan that suits your need and make your holiday home dream come true!

Student loan

A student loan allows you to focus on studies.

A student loan will make your life easier. After getting a loan decision, you can focus all your energy on studies.

Garden loan

Barbecue fever?

Need a new terrace, lawnmower or paving slabs for your garden? Apply for a loan that suits your needs and make your dream garden come true!

Renovation credit

Renovation fever?

Interior decoration, a new kitchen or a room for your child? Apply for a loan that suits your need and make your home look better!

Home decoration loan

Decoration fever?

Are you decorating your home or updating the entertainment electronics? Apply for a loan that suits your need and make your home look better!

Boat loan

Boat fever?

Are you thinking of buying a new boat or trading in your old one? Apply for a loan that suits your need and make your boat dream come true.

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FlexiCredit

Realise your plans with FlexiCredit

The credit amount can be from 2,000 euros up to 25,000 euros, so it suits both small and larger purchases. You can use the money any way you like: for a car, a boat, home improvement, furniture or a trip abroad.

Credit cards

Credit card for everyday purchases

Credit card for everyday purchases in Finland and abroad. A credit card allows you to adjust your monthly expenses. Read more about our wide range of cards!

Secured consumer credit

Planning large purchases?

A secured consumer credit is a flexible and inexpensive solution when you are planning to buy a car, a boat or a caravan or to make some other larger one-off purchase.

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.

Student loan

A student loan allows you to focus on studies.

A student loan will make your life easier. After getting a loan decision, you can focus all your energy on studies.

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Insurance

You always get an appropriate insurance.

Nordea If Insurance helps handle surprising situation in everyday life.