Tips for home loan customers

We compiled easy instructions and tips for your home loan

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Where can I find the details of my home loan?

To see the current situation of your loan, log into OP-mobile (or op.fi in Finnish or Swedish). You can check the following information:

  • current loan amount
  • size of your next instalment
  • billing method
  • certificates related to the loan
  • due date
  • interest rate.

Checking your loan details is possible whenever you want. It also helps you to keep control of your finances in all situations.

Tarvitsetko apua op.fi-palvelussa?

Jos sinulla on kysyttävää vaikkapa asiointiin liittyen, vältä jonottaminen ja pyydä apua Opotilta. Opotti on OP:n uusi chatbot, joka opastaa ja neuvoo sinua asioinnissa op.fi-palvelussa. Opotin löydät verkkopalvelun chat-ikkunasta. 

How to make changes to your home loan

Repayment holiday and changes in instalment due date or amount

You can apply for a repayment holiday or a change in the instalment due date or amount conveniently online. Please note that you can’t change the due date for an ASP loan.

Extra repayment

You can make extra repayments to your home loan in OP-mobile (or at op.fi in Finnish or Swedish). Making an extra repayment is like paying any other bill:
  
  • Enter your loan’s number under Payee’s account number. To find the loan number, go to Loans and the loan in question.
  • The reference number is always the same.
  • Fill in the amount and due date. Then confirm the payment as usual.
 
Changing the debit account for the loan
 
If you want to change the debit account for the loan, send us an online message.
Include the following in your message:
 
  • your loan’s number,
  • the request for changing the debit account for the loan and
  • the new debit account number.

Send an online message

 

Paying off your home loan

If you want to pay off your home loan in advance, send us an online message.
Include the following in your message:

  • the loan’s number and the request for paying it off
  • the payment account and preferred payment date

Protect your home loan

Your life and the world around you can change but you can prepare for borrower’s risks. Prepare for personal risks, such as an illness or disability, with OP Critical Illness and Life Cover and loan protection insurance. With an interest rate cap, you can set a maximum reference interest rate, but you will also benefit from low rates if the reference rate is below the maximum you set.

The home loan and the interest rate cap are granted by an OP cooperative bank. Payment Protection Insurance is granted by OP Life Assurance Company Ltd and/or Pohjola Insurance Ltd. The funds are managed by OP Fund Management Company Ltd.