ASP account

Start saving for your first home. Open an ASP account online.

An easy and rewarding way to save for your first home

When you save 10% of the price of your first home in an ASP account, you can take out an ASP loan with attractive terms and conditions to pay for the remaining 90% of the home.

Start by saving as little as 50 euros a month

You can also change the savings amount or period flexibly whenever needed. You must save in the ASP account for at least around two years before buying a home.

The interest rate on an ASP account is exceptionally high

In addition to annual deposit interest, your savings will increase by generous bonus interest paid when you buy a home. As an OP cooperative bank owner-customer, you will also earn OP bonuses on your savings in the ASP Account. 

Open an ASP account

What is an ASP account?

An ASP account, also home saver's bonus interest account, is a state-subsidised form of savings for first-time home buyers. With the help of an ASP account, you can save for your first home in an easy and rewarding way. Once you have saved at least 10% of the price of your first home in the account and you're ready to buy a home, you can take out an ASP loan with attractive terms and conditions for the purchase.

Benefits of ASP saving – is an ASP account worth it?

  • The high interest rate will increase your savings. In addition to the annual 1% tax-free deposit rate on the ASP account, we'll pay an exceptionally high 4% bonus interest amount. The bonus interest rate will be paid for the starting year of the deposit and for the following five years if the ASP terms are met and you buy a home.
  • You can get better loan terms and conditions. You may be entitled to a ten-year interest subsidy and a free state guarantee on your ASP loan or part of it. The interest subsidy will help you keep your loan interest costs under control if interest rates rise. Thanks to the state guarantee, you do not usually need side collateral for the loan.
    Learn more about the ASP loan
  • When you are an OP cooperative bank owner-customer, you earn OP bonuses on your savings in the ASP account. From 1 January 2026 onwards, you can choose how you use your OP bonuses. You can use OP bonuses for paying banking service charges, insurance premiums and legal service fees, invest bonuses into funds via OP-mobile, or take the bonuses out in cash. The default selection is to use OP bonuses for banking service charges and insurance premiums. 

What is the age limit for an ASP account and who is it suitable for?

You can start saving with an ASP account if your are aged 15–44 and have never owned a home. You should start saving well in advance, even if you don’t plan to buy a home for several years. You won’t need a regular income to start saving with the ASP scheme.

How does the ASP savings scheme work?

  1. Open an ASP Account by logging into the op.fi service
    You will make your first deposit when opening the account.
  2. Save in the account for at least around two years
    You should deposit at least 150 euros in the ASP Account each quarter. If you make monthly deposits, this means a deposit of 50 euros each month. You can deposit a maximum of 4,500 euros in the account per quarter. You must make deposits over at least eight quarters, which amounts to around two years. There is no maximum period for saving.
  3. You can save flexibly
    The quarters during which you save in the ASP Account don't need to be consecutive, and you can take a break from saving as needed. You can also change the deposit amount and time whenever you wish.
  4. Once you have saved 10% of the price of a home in the ASP Account, you can take out an ASP loan to buy your first home
    The ASP loan will cover the remaining 90% of the price of the home. If you are buying the home with another person, you must buy at least 50% of the home and save at least 10% of your share. The 4% bonus interest on the ASP Account will also be paid into your account when buying the home.
  5. Closing an ASP Account
    Your ASP account is closed when you purchase a home. Otherwise, you can close it in the op.fi service or by calling our Customer Service. You can also take a break from ASP saving.


The account is provided by OP cooperative bank.