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Housing loan application

Apply for a housing loan to suit your needs online

How applying for a loan works

Thank you for considering applying for a housing loan from Nordea. When you are applying for a loan, we recommend that you fill in all the information required on the loan application as carefully as possible. This is how you can ensure that your application will be processed as quickly as possible. At the second loan application stage, you must identify yourself with the online banking codes of a bank operating in Finland, so that we are able to already identify you at the application stage.

1. Preliminary loan calculation

The first loan application stage is a preliminary loan calculation. It helps you estimate how much your monthly repayment would be with the loan period and the purpose of the loan you have chosen. You can make the calculation both for buying a home or for building a house. The values provided in the loan calculation will be copied to the application form, but you can still adjust the values at any point.

2. Loan application

You will need the online banking codes of a bank operating in Finland to fill in the loan application. If you do not have online banking codes, please call 0200 70 000 (local network charge/mobile call charge) so that we can book an appointment for a loan negotiation. Fill in all the required fields to ensure your application is processed as quickly as possible. We will collect the information you submit on the form for the processing of your loan application.

3. Loan negotiation

Once you have submitted your application, we will call you on the next workday at the latest to book an appointment. We can have the loan negotiation in an online meeting, by phone or at a Nordea branch. During the loan negotiation, we will go through your application with you and make changes if necessary.

4. Loan promise

After the loan negotiation, you will receive a loan promise. This will make it easier for you to make an offer for a new home. A loan promise will speed up the final sale and give you an advantage if you are bidding against other homebuyers.

Apply for a housing loan online

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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.

Read more about security

Repayment methods

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

Read more about repayment methods