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Housing loan

A flexible housing loan is always designed to fit your needs. As our housing loan customer, you also get FlexiPayment free of charge, long-term loan period and free daily banking services.

How are you prepared for an increase in your monthly repayments?

Protect yourself against a rise in interest rates and unexpected changes to your loan in advance.

Read more about interest rate hedging

How do you manage unexpected expenses?

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

Read more about FlexiPayment

What kind of cover do you need for 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 life surprises you?

Make sure that you will be able to live in your own home also under unexpected circumstances, such as unemployment or serious illness.

Read more about MyLife insurance

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

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

Read more


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

Read more

Repayment methods

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

Read more


Most common prices for housing loans and secured consumer credits

Arrangement fee *0,4 %; 300 € minimum
Arrangement fee, Check-in Customer *200 €
Arrangement fee on the loan amount of a loan guaranteed by Takuusäätiö (Guarantee Foundation)2,00 %

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 a loan payment / per withdraw2,30 €
FlexiPayment for a housing loan. Including in FlexiPayment to an existing housing loan always requires automatic debiting of loan payments, which is subject to a fee in accordance with the bank's tariff.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 schedule

200,00 €  
Change of the due date or loan servicing account (Minor change of the repayment schedule)40,00 €
Change of debtor or one of the debtors assumes liability for the loan alone**200,00 €
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**120,00 €
Changing from electronic advance notifications, loan itemisations and invoices to printed ones (change to an earlier agreement on Netbank use)25,00 €
When a credit document is sent to another bank for getting a guarantee or a signature, the debtor is charged, per sending. Does not apply to loans intermediated from government funds. 30,00 €
Certificates requested by the customer stating the amount of debt and paid interest (incl. postage)10,00 €
*) 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

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