Loans - Directory

Loans and homes

Homes

Are you thinking of selling your home or buy a new one?
Home loan

Apply for home loan, calculate your loan or request an offer.
Boat loan

Unsecured boat loan and other alternatives for boat financing. Apply for a boat loan easily online!
Motorcycle loan

Unsecured motorcycle loan and other options for financing a motorcycle. Apply for a motorcycle loan easily online!
Student loan

Student loan from OP is worth it. Student loan counts towards earning OP bonuses. Fill in a loan application conveniently online.
Car loan

You can get a car loan of up to 15,000 euros without collateral.
All loans

From OP you can get a secured or unsecured loan quickly and easily. Apply for a loan now – you will get the loan decision quickly!
Car finance

Apply for car finance and you will get a loan offer right away.
Consumer credit

Consumer loan is a splendid means of financing your plans or dreams. Calculate a consumer credit suitable to you
Financial safety

Your life and the world around you can always change. Protect your personal finances against changes.
Long-term fixed interest rate

Choose a fixed-rate home loan to avoid changing interest rates. As our owner-customer, you can choose the long-term fixed rate for your home loan for up to 25 years.
Fixed interest rate period

Protect your home loan against a rise in interest rates through a fixed rate. You can choose a fixed interest rate period of less than 10 years for not only your new home loan but also your existing one.
Interest rate cap

Interest rate cap protects your home loan against a rise in interest rates. Make use of the current low interest rates and choose an interest rate cap for your home loan for up to 14 years.
Home construction loan

Build your dream home with our flexible construction loan. During construction, you can pay only interest on your loan and start repayments when the building is completed.
ASP loan

Acquire your first home with an ASP loan. Through the ASP scheme, you get good interest on your home saver's account and a loan on favourable terms.
Home loan calculator – Calculate your home loan

Our home loan calculator helps you plan a loan period and a monthly repayment which are suitable for you.
Student loan calculator

With our student loan calculator you can easily calculate your student loan
Help with payment difficulties

If you have difficulties paying a loan, contact your bank well in advance. Often the difficulties can be solved.
Home loan interest rate, margin and loan rates

The costs of a home loan are made up of the selected interest rate, margin and costs related to the charged amount. Learn more about home loan costs.
Getting the best deal on your home loan

Shopping for a home loan is worth it. Turn to OP for getting a better deal on your home loan – request our offer for a new loan or existing home loan online!
Government guarantee for a home loan and other guarantees

Information concerning government guarantees for home loans, guaranteeing a home loan and government guarantees for first-time home buyers, with examples. Read more!
Home loan collateral

The right time to think about home loan collateral is when applying for the loan. Read more about the types of assets that can serve as collateral for your home loan.
Repayment holiday

Apply for a repayment holiday or deferment month for your loan online. You can also easily change your loan repayment instalment and repayment date.
Car loan calculator

The car loan calculator is handy when you are contemplating car financing. Familiarise yourself with the car loan calculator and calculate a suitable car loan for you.
Home improvement loan

OP’s home improvement loan helps you complete home repairs, big or small. Apply for home improvement loan now!
Investment loan

With an investment loan, you can finance the purchase of a forest, shares, fund units or another investment, at an attractive interest rate. Read more!
Financing from OP’s partner dealerships

Apply for financing directly from our partner dealerships if you know where you’re buying. Financing up to EUR 50,000 for any bank’s customers Learn more and apply!
Flexibility in your daily finances

Get financing for surprise expenses or changes in income. There are many tools that offer flexibility for your everyday finances. Read on to learn how you can get spending money for surprise expenses.
Cottage loan

OP’s holiday home loan is ideal for financing a second home. Apply for holiday home loan online today!
Homeowner loan

If your home is free from debt, you can get a reverse loan from OP. You will continue to own your home. Learn more!
Getting a loan online

When you need an online loan, always first contact your own bank for a loan offer. We offer you three different loan options: a secured loan, unsecured Special Consumer Credit or unsecured Flexible Consumer Credit.
Unsecured loan

An unsecured loan is a convenient way of financing both large and small purchases. A loan without collateral also gives security if something unexpected happens.
Buy-to-let home loan

A buy-to-let home loan is a popular means of financing buy-to-let investments. Read more about our buy-to-let home loans and apply for a loan.
Time to transfer loans to OP

Transfer consumer loans and hire purchase to OP, in addition to a home loan. Read more!
Loan-to-value ratio

In this article, we will describe what is a maximum loan-to-value ratio, which refers to the amount of home loan you can apply for, and how you can calculate the amount of money you need to save before buying a home.
Home loan repayment

Read the instructions for the repayment of a home loan and secured loan.
variable annuity and other loan repayment methods

This article explains what variable annuity is and what other home loan repayment methods exist.

Additional information

Consumer credit

Tools

Loan calculator

Calculate a suitable loan for you.