Your home loan automatically comes with several benefits, such as:
You also get certain products and services for free or for a discounted price since you have a home loan with us.
See an example of discounted prices for our home loan customers
We are the only bank in Finland that offers you a feature like FlexiPayment free of charge. It’s included in your home loan automatically.
FlexiPayment allows you to increase or decrease your monthly payment easily in Nordea Mobile or Netbank. You don’t need to contact us to use FlexiPayment.
The FlexiPayment allowance is 5–10% of your loan amount. If you use it on a monthly basis, it will last you for about 1–2 years.
You get a 25% discount on your first insurance period if you take out a new home insurance policy.
We always offer you services that best meet your needs based on your individual circumstances. When you have a home loan with us, you’ll also enjoy our exclusive benefits that can help you achieve financial security through saving, for instance.
If you have a home loan from us, we offer you a 15% discount on new MyLife insurance policies and a 25% higher compensation amount with your life insurance policy. You can connect your Plussa card to your insurance policy and get the Plussa benefits.
Our MyLife policies are designed to help you protect yourself and your loved ones. You can take out a cover against serious illness or death, for example, or choose a more comprehensive policy to suit your particular needs.
Anything can happen during your loan period but MyLife personal insurance ensures you can repay your loan even if your life takes an unexpected turn.
When you negotiate about a home loan with us, we make sure that it fits your budget so that you’ll also be able to save money while repaying your loan. As our home loan customer:
When you have a home loan from us and are using our mobile banking app, you get 1–2 cards (Nordea Gold, Credit or Debit), an account, our online banking service and Nordea access codes free of charge.
See all the daily banking services our home loan customers get for free
Our Nordea Mobile app is a convenient way to manage your money and keep track of your finances. Contact us through the chat in the app to get advice and handle your banking with ease.
When you want to use your phone to pay for your purchases securely and conveniently, add your card to the free Apple Pay, Google Pay or Samsung Pay app.
For our home loan customers, we offer FlexiCredit with a discounted margin of 5.9% (regular margin 8.9%).
FlexiCredit is an unsecured consumer loan that allows you to borrow up to 50,000 euros and pay it back over a period of up to eight years.
As our home loan customer, you get valuable benefits. See the table below for a calculated example of the benefits that the fictional family Virtanen would get as our home loan customers.
Family Virtanen – a couple with children under 18 | Cost savings
| ||
Services (Common services are shown in the column for person 1) | Person 1, 32 years old
| Person 2, 35 years old
| In total, euros
|
| Mobile Plus package for the parents, 0 euros
| 55.80 | 55.80 | 111.60 |
| A baby gift for new customers
| 20.00 | 20.00 | |
| A baby gift for regular savers
| 30.00 | 30.00 | |
| FlexiPayment benefit *)
| 150.00 | 150.00 | |
| Home insurance from If **), 25% off for the first 12 months
| 125.00 | 125.00 | |
| MyLife insurance policies ***) for the parents, 15% off as a permanent benefit
| 62.55 | 72.60 | 135.15 |
| FlexiCredit ****), a lower margin for the first 12 months
| 285.00 | 285.00 | |
| Total cost savings, euros
| 728.35 | 128.40 | 856.75 |
Your total cost savings are determined based on the services you use. The prices in the table were calculated in May 2024 and are subject to change. The examples are calculated compared to our normal prices.
*) Change to repayment schedule in Nordea Mobile or Netbank 150 euros.
**) Single-family home for which the normal price of the insurance policy is 500 euros per year.
***) Life insurance policy 100,000 euros, critical illness cover 50,000 euros, permanent disability cover 50,000 euros; normal price is 417 euros per year for person 1 and 484 euros per year for person 2.
****) FlexiCredit 10,000 euros, fixed equal payments 250 euros per month, reference rate is the 3-month Euribor 3.824% (14 May 2024). The annual percentage rate is 13.2%.
In the Nordea MyLife insurance policy, the death cover is granted by Nordea Life Assurance Finland Ltd and the covers for illness and unemployment are granted by Nordea Insurance Finland Ltd. Nordea Bank Abp acts as their agent. If insurance policies are granted by If P&C Insurance Ltd (publ), branch in Finland.
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