Home construction loan

What's new

Owner-customer benefits will be renewed

As of 1 January 2026, we will increase OP bonus earnings, the number of products that earn you bonuses will increase, and you can choose how you use your bonuses. The default option is to use them as before – for banking service charges and insurance premiums. You can also invest your bonuses in funds via OP-mobile or take out your bonuses in cash. You will also get the renewed owner-customer benefits.

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Loan for construction

  • A home construction loan that fits your needs

    You can apply for the loan for building a house, flat, holiday home or buy-to-let home.

  • As an OP cooperative bank owner-customer, your loans will earn you OP bonuses

    From 1 January 2026 onwards, you can choose how you use your OP bonuses. You can use OP bonuses to pay banking service charges and insurance premiums, invest in funds through OP-mobile or pay legal service fees, or you can take the bonuses as cash. The default selection is to use OP bonuses for banking service charges and insurance premiums.

Start applying for a home construction loan, continue with the application you started or add the required attachments.

Apply for a home construction loan

Approve a joint home construction loan application started by the other applicant.

Go to consent

 

Start applying for a home construction loan, continue with the application you started or add the required attachments.

Apply for a home construction loan

Approve a joint home construction loan application started by the other applicant.

Go to consent

To apply for a home loan, you need an online bank user ID. If you don’t have a user ID with any bank, our Customer Service will help you. Contact our Customer Service

 

How can I obtain a home construction loan?

First get a cost estimate on the construction work from a professional and then send a loan application online. Contact us for financing as soon as your start planning so that our experts can tailor a home construction loan that suits your needs. At the same time, we will agree on the repayment plan and the collateral during construction.

Home construction loan is not restricted to building a home for yourself. You can also apply for the loan for building a holiday home or a buy-to-let home. You can also apply for the loan for buying a plot, provided that construction work on the plot will begin within a certain time limit.

Applying for a home construction loan

  1. Fill in a home loan application online
    If you're applying for a loan with another person, state this in your application. We will send the other applicant a message so that they can consent to the joint application and add their personal information. As the person who started the application, you can then finalise and send the application.
  2. We'll contact you
    Our specialist will discuss the loan with you, including collateral required for the loan.
  3. We will go through all the relevant details with you.
  4. You will receive a loan offer and can proceed with your plans.

Are you building a detached house? The collateral for the loan for building a detached house is usually the house being built and the land, or the lease on the land and the house located on the land.

The loan is granted by OP cooperative bank.