Home loan - Apply for the most agile home loan on the market!

An agile home loan is always designed to fit your needs. As our home loan customer, you also get FlexiPayment free of charge, a long loan period and free daily banking services. Read more about our agile home loan and apply online.

Taking out a home loan from Nordea is worth it

Apply for a home loan online

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Flexibility for your home loan instalments

Pay what you can if you end up with extra expenses in a certain month.

Read more about FlexiPayment

Secure your home and belongings

It takes more than good luck to protect your new home. An insurance policy is a good start.

Read more about home insurance

What if you were to buy instead of renting?

Your current rent could be used to pay for your own home. Example of a home loan and the annual percentage rate of charge (APR)

Read more about the annual percentage rate of charge (APR)

Security for a home loan

The standard security value is 75% of the market value of the home. You may need further security for the rest of your loan.

Read more about security for a home loan.

Repayment methods

Nordea offers several repayment methods for home loans. Choose the repayment method that suits you best.

Read more about the home loan repayment methods

Prices

Home loan – prices

Common fees on home loans
BreakdownPrice
Arrangement fee*0,4 % kuitenkin vähintään 300 €
Increased arrangement fee for a loan with a third-party pledge or guarantee
The increase is not applied to interest-subsidised ASP loans
100,00 €
Partial drawdown30,00 €
Automatic debiting of repayments of loans drawn down before 1 February 2021, per debit2,30 €
Automatic debiting of repayments of loans drawn down before 31 January 2021, per debit
2,50 €

Adding FlexiPayment to a home loan as a self-service in Netbank or mobile bank
(Adding FlexiPayment to an existing home loan always requires automatic debiting of loan payments, which is subject to a fee in accordance with the bank's tariff)

0,00 €

Adding FlexiPayment to a new home loan by an employee at a branch or by phone/with a message through Nordea Customer Service

0,00 €
Adding FlexiPayment to an existing home loan by an employee at a branch or by phone/with a message through Nordea Customer Service
(Adding FlexiPayment to an existing home loan always requires automatic debiting of loan payments, which is subject to a fee in accordance with the bank's tariff)
250,00 €
Advance notice of loan debiting by letter or through Netbank0,00 €
Loan payment, paper invoice4,10 €
Payment reminder to borrower, guarantor or third-party pledger (per reminder)5,00 €
Change to repayment schedule as a self-service in Netbank or mobile bank150,00 € 
Change to repayment schedule by an employee at a branch or by phone/with a message through Nordea Customer Service250,00 €
Change to due date or loan-servicing account as a self-service in Netbank or mobile bank (minor change to repayment schedule)
0,00 €
Change to due date or loan-servicing account at a branch or by phone/with a message through Nordea Customer Service (minor change to repayment schedule)
50,00 €
Change of borrower or a situation where one of the borrowers assumes liability for the loan alone. **200,00 €
Change to interest rate as a self-service in Netbank or mobile bank200,00 €
Change to interest rate by an employee at a branch or by phone/with a message through Nordea Customer Service250,00 €
Change to margin by an employee at a branch or by phone/with a message through Nordea Customer Service250,00 €
Obtaining a guarantor’s or pledge owner’s consent to amend the loan terms and conditions, 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. **120,00 €
Sending credit documents. When a credit document is sent to another bank for obtaining a guarantee or a signature, the borrower is charged EUR xx, per sending (incl. VAT 24%). Does not apply to loans intermediated from government funds.30,00 €
Certificate requested by the customer stating the amount of debt and paid interest10,00 €

Charges related to unsecured home loans drawn down after 1 September 2019

Payment reminder to borrower, guarantor or third-party pledger (per reminder)5,00 €
Transfer of a loan to another bank upon customer’s request. Charged to the receiving bank. **120,00 €
Certificate requested by the customer stating the amount of debt and paid interest10,00 €
*) Arrangement fee is charged in connection with the first drawdown and with a raise or renewal of a loan. 
**) Does not apply to loans intermediated from government funds.
Terms and conditions
Instructions to customers of other banks on how to send salary certificates

Home loan – prices

Common fees on home loans
BreakdownPrice
Arrangement fee*0,4 % kuitenkin vähintään 300 €
Increased arrangement fee for a loan with a third-party pledge or guarantee
The increase is not applied to interest-subsidised ASP loans
100,00 €
Partial drawdown30,00 €
Automatic debiting of repayments of loans drawn down before 1 February 2021, per debit2,30 €
Automatic debiting of repayments of loans drawn down before 31 January 2021, per debit
2,50 €

Adding FlexiPayment to a home loan as a self-service in Netbank or mobile bank
(Adding FlexiPayment to an existing home loan always requires automatic debiting of loan payments, which is subject to a fee in accordance with the bank's tariff)

0,00 €

Adding FlexiPayment to a new home loan by an employee at a branch or by phone/with a message through Nordea Customer Service

0,00 €
Adding FlexiPayment to an existing home loan by an employee at a branch or by phone/with a message through Nordea Customer Service
(Adding FlexiPayment to an existing home loan always requires automatic debiting of loan payments, which is subject to a fee in accordance with the bank's tariff)
250,00 €
Advance notice of loan debiting by letter or through Netbank0,00 €
Loan payment, paper invoice4,10 €
Payment reminder to borrower, guarantor or third-party pledger (per reminder)5,00 €
Change to repayment schedule as a self-service in Netbank or mobile bank150,00 € 
Change to repayment schedule by an employee at a branch or by phone/with a message through Nordea Customer Service250,00 €
Change to due date or loan-servicing account as a self-service in Netbank or mobile bank (minor change to repayment schedule)
0,00 €
Change to due date or loan-servicing account at a branch or by phone/with a message through Nordea Customer Service (minor change to repayment schedule)
50,00 €
Change of borrower or a situation where one of the borrowers assumes liability for the loan alone. **200,00 €
Change to interest rate as a self-service in Netbank or mobile bank200,00 €
Change to interest rate by an employee at a branch or by phone/with a message through Nordea Customer Service250,00 €
Change to margin by an employee at a branch or by phone/with a message through Nordea Customer Service250,00 €
Obtaining a guarantor’s or pledge owner’s consent to amend the loan terms and conditions, 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. **120,00 €
Sending credit documents. When a credit document is sent to another bank for obtaining a guarantee or a signature, the borrower is charged EUR xx, per sending (incl. VAT 24%). Does not apply to loans intermediated from government funds.30,00 €
Certificate requested by the customer stating the amount of debt and paid interest10,00 €

Charges related to unsecured home loans drawn down after 1 September 2019

Payment reminder to borrower, guarantor or third-party pledger (per reminder)5,00 €
Transfer of a loan to another bank upon customer’s request. Charged to the receiving bank. **120,00 €
Certificate requested by the customer stating the amount of debt and paid interest10,00 €
*) Arrangement fee is charged in connection with the first drawdown and with a raise or renewal of a loan. 
**) Does not apply to loans intermediated from government funds.

Foreign currency credit

Consumers are not granted loans in any other currency than euro.

A housing loan is considered to be currency credit if the loan is granted in a foreign currency other than that of the EU Members State or the state of belonging to the European Economic Area where the consumer resides. Furthermore, a housing loan is considered to be foreign currency credit if the consumer receives his or her income in another currency of a state of the European Economic Area or in currency of a state of European Economic Area. 

A foreign exchange risk occurs when the borrower's income or assets to be used to repay the credit are not in the same currency as the credit or the credit is not in the currency of borrower's country of residence. A foreign exchange risk refers to the change in price of one currency in relation to another. During the loan period, the value of the credit or the monthly payment may increase in relation to the borrower's income or assets or the currency of the borrower's country of residence. 

If the foreign currency of the borrower's country of residence, income or assets falls by 20 per cent in relation to the euro, the borrower receives a warning that the borrower's loan amount will increase in borrower's national currency.

How to speed up the handling process of your housing loan application as another bank’s customer

Fill in your housing loan application and send us your salary certificate from the past three months via Nordea Omaposti.

If you are not a Nordea customer, we need to have your salary certificate from the past three months. If you are applying for a loan together with your spouse, for example, we need to have salary certificates, account transactions and loan details from both applicants. You can get the salary certificate from your employer.

After you have submitted your housing loan application, you can send us your salary certificates/other documents by logging in to Nordean Omaposti with your bank’s online banking codes. In OmaPosti, choose ‘Loans’ as the recipient of the message and write ‘Housing loan application/salary certificate’ in the subject field. Add documents from your computer as attachments to the message.

Apply for a home loan online

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