Holiday home loanFulfil your dream of a summer cabin or a second home
Apply for holiday home loan online
You can apply for a holiday home loan already at the planning stage. You can complete a holiday home loan application easily online – wherever and whenever!
Flexible loan servicing throughout the loan term
Our holiday home loan is flexible. You can have a loan repayment holiday or protect your ability to repay loans in a manner suitable for you during the loan repayment period.
OP bonuses for owner-customers
As an OP cooperative bank owner-customer, your holiday home loan will contribute towards your OP bonuses that can be used, for example, to pay for bank service charges and insurance bills.
Holiday home loan or financing for a second home
Spending time at a holiday cabin is part of traditional Finnish holidaymaking. At a holiday cabin, there’s time to enjoy the summer and nature as well as go swimming and have a sauna. Some dream of a simple holiday cabin life, others look for a well-equipped second home where they could live even year-round. It’s a good idea to apply for a holiday home loan as soon as you start thinking about buying a holiday home even if you hadn’t found the villa of your dreams just yet.
As an owner-customer, your holiday home loan will contribute towards your OP bonuses that can be used to pay holiday home insurance premiums, among others. You can also enjoy the other owner-customer benefits and discounts on banking and insurance services.
How to apply for holiday home loan
Apply for a holiday home loan online:
- Log into the op.fi service (in Finnish) using your online service user ID
- Complete the home loan application and select Holiday home as the purpose of the loan.
- Check and send your loan application.
- You’ll receive our holiday home loan offer. Together, we’ll have a loan negotiation during which the loan collateral is checked.
- Close the deal on the summer cabin of your dreams!
Having a summer cabin built or carrying out basic renovation
Do you dream of having a holiday cabin built or is it time for basic renovation? If so, complete the home loan application. If you plan on doing some light redecoration in your holiday cabin, apply for a home improvement loan.
Still looking for a cottage?
OP Koti’s real estate agent helps you find a suitable summer cottage. Contact the real estate agent and agree a showing – on location or as a remote showing. Home sales can also be completed digitally. This means that the whole transaction can be carried out regardless of time and place.
The home loan is provided by OP cooperative bank. OP Koti real estate agent services are available throughout Finland.
Take a look at the terms and conditions governing loans, pledges and guarantees, and forms. You will accept the terms and conditions of the loan and collateral agreement at the time of signature.