What happens in a loan negotiation?

Prepare for a loan negotiation by filling in our online application. You can also have the loan negotiation conveniently online. All you need for this is a phone or computer and Nordea access codes. During the meeting, our home loan adviser will show you calculations and other relevant content on your device’s screen.

After the loan negotiation, you will receive a preliminary loan offer as a summary of the meeting, which will make it easier for you to explore the market and search for your future home. 

If you wish, you can also apply for a loan by having a loan negotiation with one of our home loan advisers in branch.

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. For instance, the interest rate is a key element in a loan, as is the interest rate margin. 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.

In the loan negotiation, we will discuss together the right loan period for you and the different repayment methods.

We will also ensure that you are sufficiently protected against changing circumstances. This includes discussing interest rate hedges as well as health and unemployment insurance.

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