You can apply for a home loan to buy a home, pay off your share of the housing company loan, transfer your existing home loan or shop for a home loan. If you're not yet an OP cooperative bank customer, you can use another bank's user ID to apply for a home loan.
We advise you to apply for a home loan well in advance: request a loan offer already when you're just planning a new home. Applying for a loan does not obligate you to take out the loan.
If you're an OP cooperative bank's owner-customer, you can earn OP bonuses worth hundreds of euros on your home loan. Earned OP bonuses are used to cover charges and fees related to personal banking and insurance services. Owner-customers also get other benefits on banking and insurance services.
Life and the world around you may change suddenly, but you can prepare for surprises by protecting your loan. Different kinds of cover and interest rate protections protect your personal finances.
Start applying for a home loan, continue with the application you started or add the required attachments.
Approve a joint home loan application started by the other applicant.
Start applying for a home loan, continue with the application you started or add the required attachments.
Approve a joint home loan application started by the other applicant.
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
If you’re applying for a loan together with another person, state it in your application. After you have sent the application, the other applicant needs to give their consent to it using the link above on this page."
Our specialist will discuss the loan with you, including collateral required for the loan. If everything is fine, we will issue a preliminary loan offer to you – in some cases already before our call. The offer shows the loan amount you could get if you have collateral accepted by the bank.
We'll check the particular home's details and make sure it can be used as collateral for your loan.
You can then make your purchase offer on this home. A loan offer is sometimes also called a loan promise.
When did you last make a home loan comparison? Compare your current loan with OP's loan offer. Requesting our offer is free and will not obligate you in any way. Just fill in a loan application and we will contact you soon. To request our offer online, you can also use another bank's user ID.
