Loan promise

With a loan promise in hand, you can easily start looking for a new home and make a purchase offer for one that you like. A loan promise gives you an advantage over other people interested in buying the same home. Nordea’s loan promise is free and does not commit you to anything.

It is easy to apply for a loan promise online
  • Estimate the amount of the loan you can afford using the housing loan calculator and fill in the loan application online.
  • We will then contact you by phone to agree on how to proceed.
A loan promise gives you an advantage
  • With a loan promise in hand, you can make an offer on a new home right away. A loan promise will speed up the final sale and give you an advantage if you are bidding against other homebuyers.
A loan promise does not commit you to anything
  • An offer of a loan does not oblige you to take out a loan from Nordea.
A loan promise is easy to renew
  • A housing loan promise is valid for six (6) months, but the price of the housing loan stated in the loan promise will be valid for one (1) month.
  • You can renew our loan promise by calling our Customer Service, contacting us through chat or sending us a message through mobile bank or Netbank. The details of the loan promise and the price of the housing loan will be revised in connection with the renewal. 

How to apply for a loan promise

Estimate the suitable amount for your loan
  • Make a preliminary calculation. You can use the housing loan calculator to calculate an estimate of the loan amount you can afford and how much your monthly repayment would be with the loan period of your choice.
  • On the last page of the housing loan calculator, you will be able to proceed directly to the housing loan application.
Send application
  • The values you enter in the loan calculation will be copied directly to the loan application form, but you can still adjust them at any point.
  • Enter the missing information and send the application.
  • Once we have received your application, we will call you to set up a meeting. 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.
Loan offer
  • After the loan negotiation, you will receive a loan promise.
  • A loan promise is our offer of a loan to you, but it does not oblige you to take out a loan from Nordea.

I am not Nordea's customer

If you are not yet Nordea’s customer, you can still fill in a housing loan application online. You will need the online banking codes of a bank operating in Finland to fill in the application. Once you have submitted your housing loan application, we will contact you within 1–3 banking days and set up an appointment for a loan negotiation if needed. In this negotiation, you will find out what kind of housing loan would best suit you, including how much you can borrow and at what interest rate. Once you have obtained a housing loan offer, you can proceed with your plans for buying the home you are looking for.

Fill in the application: new customers

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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.

Read more about housing loan