Go to the main menu LOG IN CUSTOMER SERVICE FI HAE PERSONAL CUSTOMERS BUSINESS CUSTOMERS OP FINANCIAL GROUP Money Loans Savings and investments Insurance Digital services To the customer Personal customers / Loans / Mortgage calculator - this is how you calculate your mortgage Mortgage Calculator - Calculate your mortgage now The mortgage calculator will help you plan the loan period and monthly installment that suits you. See tips for using the mortgage calculator, and then use the calculator to calculate your mortgage. What is a suitable mortgage? The counter is an easy way to test The mortgage calculator is a good tool for planning a mortgage. With the mortgage calculator, you can easily test how the loan amount, repayment period and interest rates affect the loan installment. Try a loan with different interest rates to see the effects of interest rate fluctuations on your loan. Use the most accurate information possible for your mortgage calculator. This is how you get the most out of your counter. Remember that the result of the mortgage calculator is indicative - for example, the interest rate and other terms of the loan will be specified in your actual loan application. Tips for using the mortgage calculator: In the mortgage calculator, you can adjust the loan amount, loan term and interest rate. You'll then see how much your monthly payment will be. The installment includes the loan repayment, interest and expenses. You can also see how much OP bonuses would accrue on your loan if you are an Osuuspankki owner-customer. The loan repayment security helps to cope with the loan repayment, for example, when unemployment or sick leave reduces the income of the economy. With the calculator, you test what the insurance costs for the amount of loan you want. Jos uusi asunto kaipaa remonttia, kannattaa remonttikulut laskea mukaan lainamäärään asuntolainalaskurilla. Oletko vaihtamassa asuntoa? Pyydä välittäjältä arvio nykyisen asuntosi myyntihinnasta ja laske lainatarpeesi sen mukaan. Huomioi myös, että asunnon vaihdon yhteydessä maksetaan varainsiirtovero. Tarkista veron määrä verottajan sivuilta ja laske myös se mukaan lainamäärään. Asuntolaina yksin vai yhdessä? Oletko ostamassa asuntoa yhdessä toisen kanssa? Voitte ottaa asuntolainan yhdessä tai erikseen. Jos asutte samassa kotitaloudessa, voitte täyttää yhteisen lainahakemuksen ja päättää myöhemmin, haluatteko yhteisen tai erilliset asuntolainat. Asuntolainalaskurilla voitte laskea, miten suuri maksuerä olisi yhdessä tai erikseen maksettuna. On hyvä huomioida, että ottaessanne kaksi asuntolainaa maksatte myös lainanhoitokuluja kahdesta lainasta. Miten kilpailutan asuntolainan? Asuntolainan voi kilpailuttaa verkossa. Kilpailutus tapahtuu lähettämällä pankille lainahakemuksen, jonka jälkeen saat lainatarjouksen. Asuntolainan kilpailutus ja lainatarjousten vertailu kannattaa tehdä huolella. Usein asuntolainan myötä myös muu pankkiasiointi on kätevää siirtää yhteen, pääasialliseen asiointipankkiin. Jos asuntolainan kilpailuttaminen on ajankohtaista, tutustu kokoamiimme vinkkeihin! Lue asuntolainan kilpailuttamisesta Asuntolainalaskuri ja OP-bonukset Did you know that a mortgage loan accrues OP bonuses for Osuuspankki's owner-customer? The mortgage calculator calculates an estimate of the OP bonuses accrued during the first year. For example, if you apply for a loan of EUR 100,000, you can accrue almost EUR 250 in OP bonuses in the first year. OP bonuses can be used to pay for loan service fees and your own home insurance bill, for example. The mortgage is issued by Osuuspankki. Go to the mortgage calculator OP Home is selling your apartment Invite OP Home Broker to the assessment visit already at the stage when you are planning to change your home. We will help you plan a suitable schedule for the sale of your apartment and the purchase of a new one. Check out OP Home Mortgage interest rate and margin The cost of the loan consists of the interest rate you choose, the margin, and the costs associated with the charge. The interest rate on a mortgage can be deducted for tax purposes, which reduces interest expenses. Mortgage your dream home The apartment of your dreams may come as a surprise. Therefore, it is worth asking for a loan offer well in advance. Check it out here! To the beginning of the page Customer service give feedback Use of cookies Service price list Call price list Electronic signature service Become an OP customer Secure transactions Use of the Online Service OP Media OP Home Pohjola Hospital Pohjola Damage Assistance facebook twitter linkedin Instagram © OP Financial Group BIC: OKOYFIHH Privacy Policy Accessibility Terms of use Terms and conditions