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.

  • You can get a 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.
  • With help of a State guarantee you can buy additional security for you loan up to 85 % of purchase price of the home.
  • The loan period can be 35 years. If your loan has a State guarantee, the maximum loan period is 25 years.
  • 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.
  • Read about our hedging products that you can use to hedge against a rise in your housing loan interest rate.

Get a loan promise in advance

Get a loan promise before you start looking for a home. This way you will know exactly what kind of a home you can afford. In addition, you will have an upper hand as a buyer. The best homes are sold quickly, but as you have already agreed on a housing loan, you can make decisions quickly.

Getting a preliminary housing loan proposal is easy. The proposal preliminarily states the maximum amount of loan, along with the loan period and interest of the loan. The loan proposal does not bind you or the bank, but this way you will get an idea of the price level that suits you best.

For a loan promise, we need a more detailed report on your income and expenses, information on the property to be bought and on any additional security. With a loan promise, the bank commits to finance the purchase of the home under the agreed terms and conditions. The loan promise will be in force for one month and you can renew it easily.

Example of a loan and the annual percentage rate of charge (APR)

Your current rent could be used to pay for your own home.

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

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Repayment methods

There are three different methods for repaying a housing loan: equal payments, equal instalments and fixed equal payments.

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Prices for Key Customers

Most common prices for housing loans and secured consumer credits for Key Customer
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 €
*) Arrangement fee is charged in connection with the first drawdown and with a raise or renewal of a loan. 

Other prices related to loans and credits

Prices related to security for loans

Premature repayment of a housing loan or early closure fee

Prices for Preferred Customers
Prices for Check-in Customers
Normal price
Foreign currency credit

Apply for a housing loan online

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