What happens in a loan negotiation?

We will call you within three banking days after you have submitted your home loan application. In the call, we will agree on when we will meet for a loan negotiation. If necessary, the meeting can be arranged quickly, in one or two banking days.

1. You will negotiate on the loan with our home loan adviser either online or in branch.
2. At the meeting, we will review your application together and make any necessary changes.
3. We will show you calculations and other relevant content.

After the loan negotiation, you will receive a preliminary loan offer as a summary of the meeting, including the tentative loan amount. When you know how much you can borrow, you can start hunting for your new home. 

Read about online meetings

The purpose of a loan negotiation is to find a flexible loan that suits your household’s finances. We will discuss your financial situation, including your savings and collateral for your loan. We will also discuss all matters relating to taking out and repaying the loan. 

Topics discussed in a loan negotiation include:

• home loan margin and reference rate
• loan period that suits you the best
• repayment methods
• interest rate hedging options
• health and unemployment insurance.

We will also perform a stress test to see how your finances would hold up if the interest rate increases to 6% with a repayment period of 25 years.

When you negotiate with us on a loan, you will receive tips on how to plan your finances. One important thing to keep in mind is preparing for the future. This includes saving up a buffer for future expenses and planning your wealth over the long term.

You can get started with a very small amount, with something like 10 euros a month and increase the amount over time.

Read more about saving while repaying a loan