Home loan
Apply for a home loan online and sign the agreements electronically-
You will earn OP bonuses
Gain up to hundreds of euros a year from OP bonuses earned through the home loan.
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Calculate the maximum loan amount and request a preliminary loan offer
You can get a preliminary home loan offer from us conveniently online. You can also calculate the maximum loan amount using a pre-filled loan application.
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Interest rate cap
Choose an interest rate cap to prepare for higher interest rates.
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Smooth service for all banks' customers
If you are not yet an OP customer, you can apply for a home loan with the online bank user identifiers of another bank. Requesting a loan offer does not cost anything or bind you to draw down the loan.
Begin applying for a home loan online
Do you want to confirm the joint home loan application?
Begin applying for a home loan online
Do you want to confirm the joint home loan application?
Steps towards a home of your dreams
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Contact us to apply for home loan
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Preliminary home loan offer
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Loan negotiation over the phone, online or at a bank branch
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Purchase of a home
To apply for a home loan, you need user identifiers for an online bank. Please contact our customer service if you do not have online bank user identifiers with any bank.
Home loan application – calculate your loan amount and request a preliminary loan offer
Before attending home viewings, you should check how large a home loan you could get. Fill in a home loan application to find out what your maximum loan amount would be and get a preliminary offer from us. You can sign the loan agreements electronically using your user ID – you only need to visit a bank branch for signing the deed of sale. Note that you can file a loan application online even if you are not OP’s customer.
Choose a loan that adapts to your life situation
Buying a home is the biggest investment of many Finns. We can offer you a safe home loan that can be adapted to your life situations. If needed, you can have a loan repayment holiday and, for example, save money for future purchases alongside with repayment.
As an owner-customer, you earn OP bonuses through your home loan
Our home loan stands out from other banks' loans because it brings value-for-money OP bonuses to you as owner-customer. For example, a loan of 250,000 euros may generate bonuses worth over 600 euros a year. They will be used, for example, to pay a real estate agent commission or to set off, say, the insurance premium for your new home!