Investment loan

Loan for investing in forest, shares or fund units.

Reliable financing for your investment

OP provides you with financing for your investments that suits your needs.

Loan interest is set on a customer-specific basis

You can claim tax deductions for the loan interest, since the investment loan is a loan for earning income.

As an owner-customer, you earn OP bonuses from your loan

Only OP cooperative bank owner-customers earn OP bonuses. The more you use our services, the more you benefit from bonuses as well.

What to finance through the investment loan?

Use our investment loan to finance the purchase of a forest, shares, fund units or another investment. Interest on your investment loan is currently tax-deductible. 

Investment loan is a good option for you if:

  • you have assets, such as a buy-to-let home or securities, which you can use as collateral. 
  • you are an experienced and profit-seeking investor and well aware of the risks associated with your investment instrument.
  • you have sufficient repayment capacity. you can therefore pay the investment loan expenses in addition to all other expenses you have.   

Secured bank loan for investing:  

  • You’ll get a personal loan offer after submitting your loan application. 
  • Loan term 5–15 years. The length depends on the type of investment.    
  • Fill in an application online. You don’t need to have an OP user ID.  
  • The repayment plan will be tailored to your needs. 

Leverage always contains risk

If you borrow money to finance your investment, always remember to consider your investment risk. If you borrow money to finance your investment, you will also be faced with higher investment risk.
The use of leverage can increase both profits and losses. You can even lose the capital you have invested altogether. The value fluctuations of investments may cause a value decline that may lead to the loss of the entire capital. So never invest more than you can afford to lose. So, leverage can be used with moderation, if you do understand the risks.
Collateral Collateral

You are eligible to apply for the secured Bank Loan if you have regular income in terms of pay or pension, have sufficient financial standing, have managed your personal finances well and can provide collateral.

Why is collateral needed?

Banks require collateral to ensure that loans are repaid on time. Having to pledge collateral for the loan can also benefit you, as the costs of a secured loan are often lower than those of an unsecured loan.

What can be used as collateral?

You can use as collateral, for example, an owner-occupied home, a summer cottage, deposits, securities or a forest estate. Homes are the most popular type of collateral. If you have repaid instalments on your earlier loans, such as a home loan, you may have spare collateral and can use that as collateral for your new loan.
How much collateral is needed?

The collateral value of your collateral is always calculated on a case-by-case basis. Different types of collateral have different calculated collateral values.
Ask more about collateral

When applying for a loan, you don’t yet need to have a clear idea of what you intend to use as collateral. You can discuss it with our expert after having submitted the application. We’ll help you determine the value of your collateral, if needed.


Loan repayment repayment method, monthly repayment, due date

Your bank agrees with you on the repayment method and the monthly repayment. You can choose a due date that suits you best. The recommended loan term for the secured Bank Loan is a maximum of 5 years. You can discuss the loan term with your bank if the period of five years seems too short.

The loan terminates when the last instalment has been paid.
Loan costs interest rate, effective interest rate, markup, service fee

Loan costs consist of the reference interest rate, bank's markup and service fees related to loan repayment. In addition, loan drawdown and any possible partial drawdowns are subject to a charge based on the bank's list of service charges and fees.

The Bank Loan markup is determined on a customer-specific basis by, for example, collateral lodged, repayment capacity and other customer relationship. Our loan offer shows you the effective interest rate of the loan which you can use to compare any other possible loan offers. The loan drawdown and servicing costs are taken into account in the effective interest rate.

A monthly service fee of €2.50 is charged for the bank loan, and an origination fee of maximum €120 is charged when the loan is drawn down. The loan interest is the 12-month Euribor rate + the markup you have agreed on with the bank.

Loan repayment holiday and other changes Repayment instalment, payment date, extra repayment

You can apply for a repayment holiday for your Bank Loan on the service, during which you will pay only interest. You can also apply for a change to the repayment instalment and date. Such changes are subject to a charge based on the bank's list of service charges and fees.

Extra repayment

You can amortise your loan in addition to your normal monthly instalment. This extra repayment does not defer the next instalment or payment date. The extra repayment is not subject to a charge.

To make an extra repayment, you need the number of your loan which you can find in the Loans section. After that, go to "New payment" under the Daily banking services section and enter your loan's number in the "Payee's account or IBAN" field. Then proceed as instructed. The amount of your extra repayment is debited to your account on the same day.

If you have a fixed-rate loan, please contact the bank that has granted the loan because extra repayment may be subject to a charge under the general loan terms and conditions.

Take a look at the terms and conditions governing loans, pledges and guarantees. You will accept the terms and conditions of the loan and collateral agreement at the time of signature.

Loan terms and conditions (pdf)

As an OP cooperative bank owner-customer, you get OP bonuses that decrease your banking and insurance service charges. In 2024, you will earn 40% more OP bonuses than normal.

OP bonuses come from

  • funds in savings accounts
  • home loans, student loans and secured bank loans
  • mutual fund units and unit-linked insurance
  • paid insurance premiums, such as home and motor vehicle insurance and continuous travel insurance.

OP bonuses are tax-free. Because of that they are automatically used for loan service and origination fees and insurance premiums, among other things.

Read more about OP bonuses

As an owner-customer, you also get significant benefits and discounts. For example, you will get daily banking services without monthly charges until the end of 2024 and interest on your Current Account. Furthermore, you'll enjoy lower saving and investing costs than usual.

See all owner-customer benefits

A bank loan is one-off credit. If the 12-month Euribor is 3.701% (June 7, 2024) and the loan’s interest rate is a 3.9% margin plus the 12-month Euribor, the effective interest rate on a bank loan of 10,000 euros with a five-year repayment period will be 9.1%. A monthly servicing fee of 2.50 euros per month will be charged. An origination fee of 120 euros will be payable when the loan is drawn down. The estimated total amount payable will be 12,350.48 euros.

This calculation is based on the assumption that the entire loan has been drawn down, the loan interest rate, fees and charges are constant throughout the loan term, and the loan is repaid in equal instalments of 203,84 eur.s each month. The bank loan is granted by an OP cooperative bank.

The loan is granted by OP cooperative bank.