You could get a mortgage offer from us conveniently online. It is possible to calculate the utmost loan quantity employing a pre-filled application for the loan.
Select a pursuit price limit to get ready for greater interest levels.
Smooth solution for many banking institutions’ clients
If you should be perhaps not yet an OP client, you are able to submit an application for a mortgage because of the online bank individual identifiers of some other bank. Asking for that loan offer will not price any such thing or bind you to definitely draw along the loan.
Loan settlement throughout the phone, online or at a bank branch
Buy of a property
To try to get a mortgage, you’ll need individual identifiers for the online bank. Please contact our customer support should you not have online bank user identifiers with any bank.
Make use of the application for the loan to try your loan quantity and request that loan offer
You really need to always check what size a mortgage could be awarded for your requirements before visiting any showings that are flat. You will find out of the optimum loan amount by filling out that loan application, after which it you are able to request the specific loan offer. You’ll be able to signal the mortgage agreements electronically making use of your user ID – you just need to check out a bank branch for signing the deed of purchase. It is possible to register the mortgage application online even although you aren’t customer that is OP’s. The mortgage offer works well for just one thirty days and doesn’t need drawing down financing.
Select that loan that adapts to your daily life situation
Purchasing a property may be the biggest investment of many Finns. We are able to give you a safe mortgage loan that may be adapted to your lifetime circumstances. If required, it’s possible to have a loan repayment holiday and, as an example, spend less for future acquisitions alongside with payment.
Being an owner-customer, you make OP bonuses throughout your mortgage
Our mortgage loan stands apart off their banks’ loans as owner-customer because it brings value-for-money OP bonuses to you. A year for example, a loan of 250,000 euros may generate bonuses worth over 600 euros. They will be utilized, as an example, to cover a estate that is real payment or even to set off, state, the insurance coverage premium for the new house!
You are able to fill out that loan application online even although you are not yet our consumer. You do not yet need to know, for example, the exact price of the new home when you fill in the loan application. The mortgage application is nothing a lot more than an invite to help make an offer you to raise the loan‒ it does not bind.
Into the application for the loan, we will ask you to answer, as an example, about:
- your revenue or earnings of other loan candidates, when there is any, costs, debts and their month-to-month costs.
- informative data on your wide range.
Adequate payment ability is needed for giving the mortgage. We shall look at your credit rating through the credit information register of Suomen Asiakastieto Oy once you make an application for the mortgage.
The work regulating the loan-to-value ratio arrived into force on 1 July 2016. The ratio relates to loans given for the acquisition or renovation of a true house for which your home is lodged as collateral. The objective of utilization of the house is of no importance, in other words. regulations is applicable not just to loans applied for to buy an individual’s own home that is permanent additionally to those taken down to with a buy-to-let house and any occasion house.
The loan-to-value, or LTV, ratio means the ratio associated with loan into the value that is current of security lodged as security when it comes to loan during the time of its granting. In determining the LTV ratio, all genuine safety placed by the debtor or any other individual, such as for example houses, deposits and securities, could be taken into consideration as security. A individual guarantee, for example, can’t be taken into consideration.
The LTV ratio is a macroprudential tool that can help the authorities to control extortionate household leverage and also to prevent a rise in house costs and home loan lending considered excessive, or try the website other dangers threatening the security regarding the whole economic climate.
In an ordinary situation, that loan may account for no more than 90per cent of this collateral’s present value. For a mortgage applied for with a first-time home customer, the most is 95%. The Financial Supervisory Authority may reduce above maximums by a maximum of 10 portion points to restrict a fantastic upsurge in dangers to economic security.
For instance, if a house buyer secures his/her house loan just with the house become purchased, she or he must are in possession of conserved at the very least 15per cent (5% for first-time house purchasers) of this cost. You are able to reduce steadily the significance of individual cost cost cost savings by giving other security that is real addition towards the house.
However, the LTV ratio is dependent on the legislation and thus binding on banking institutions – it could be surpassed just in situations particularly allowed by the Financial Supervisory Authority, such as for example temporarily in circumstances where houses are exchanged. The bank’s own collateral requirements may affect the amount of collateral needed for the loan in addition to the LTV ratio.
