Loans
Frequently asked questions
Repayment holiday – How can I take a repayment holiday on my loan?
Changing the due date and the loan's monthly repayment – How can I change my loan's repayment plan?
How can I apply for a home loan?
Change of a debit account – How can I change the account to which my loan repayments are debited?
Deferment month - Flexible Consumer Credit and Special Consumer Credit
Repayment holiday – How can I take a repayment holiday on my loan?
A repayment holiday means a period during which only interest is paid on the loan. It enables you to balance your personal finances in a flexible way.
You can take a repayment holiday on your home, student and bank loans.
Do the following:
- Log into OP eServices
- Select "Lyhennysvapaa ja muut muutokset" (Repayment holiday and other changes) from the left-hand side menu on the "Lainat" (Loans) page.
Changing the due date and the loan's monthly repayment – How can I change my loan's repayment plan?
You can change the due date or the loan repayment instalment, i.e. the repayment amount at op.fi.
- Secured loans, such as home loans, study loans and bank loans: log in and apply for the change.
- Unsecured loans, such as Flexible Consumer Credit and Special Consumer Credit: A customer that has logged in can make the changes without an application.
See here for more detailed instructions for making a change in the repayment plan >
Good to know about changing the due date and the repayment instalment:
- With one application, you can apply for a change in several loans. The changes that you can apply for are repayment holiday, a decrease or increase in the repayment instalment amount and a change in the due date.
- State in the application the loan or loans you’re wanting to change, the change you’re applying for, your income and expenses and the reason for applying for the change.
- If the loan has several borrowers, the application that you filed will be checked and approved by the other borrower/borrowers via their OP eServices. The bank will process the application when all the borrowers have approved the application. The change is subject to a service charge specified in our list of service charges and fees. See our list of service charges and fees before sending your application.
How can I apply for a home loan?
Always start by filling in a home loan application online. For more detailed instructions on how to apply for a home loan, see the link below. Note that to apply for a home loan, you need user identifiers for an online bank. Please contact our customer service if you don’t have online bank user identifiers with any bank.
Change of a debit account – How can I change the account to which my loan repayments are debited?
Deferment month - Flexible Consumer Credit and Special Consumer Credit
You can get one deferment month per year for Flexible Consumer Credit and Special Consumer Credit. During this month, you will not make a repayment or pay interest. The deferment month is free of charge. The deferment period is the same calendar month every year. You can’t apply for a longer repayment holiday for these loans.