Loan calculator

Make a loan calculation easily online


Need a loan for a home, a car, certain other purchases or your studies? The loan calculator estimates the loan costs for a selected loan term.

Did you know that, as an OP cooperative bank owner-customer, you earn value-for-money OP bonuses on your home loan, student loan and secured bank loan? As an owner-customer, you earn OP bonuses 40% more than normal in 2024.

Calculate a suitable loan for you

Home
Owner–occupied flat, house,
summer house
Motor vehicle
Car, motorbike,
boat
Other purchase
Holiday, TV,
furniture
Studies
Student loan
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How much do you need to borrow?
Monthly repayment
-
Loan term
Planned loan term. The maximum recommended home loan term is 20 years. You can discuss with the bank if the 20-year loan term does not suit your needs.
Interest rate
The interest rate given automatically by the calculator is the current default interest on the home loan (12-month Euribor + customer-specific mark-up). You can change the interest rate and try how changes in interest rates affect the loan.
Try out how a considerably higher rate affects the monthly repayment of your loan.

Home loan


Monthly repayment
€/mo
Payment protection insurance premium
€/mo
Loan amount:
Scope of payment protection insurance:
Insurance premium: €/mo
€/day
A maximum of 300,000 euros can be insured on the loan, monthly compensation is a maximum of 2,500 euros and the maximum policy term is 30 years. If you have a larger loan, your bank will help you choose a suitable solution for protection.
Total monthly repayment of protected loan:
€/mo
Failed to calculate payment protection insurance. Try again.
You can earn OP bonuses during the first year
+
OP bonuses are earned by all Group member bank owner-customers with transactions entitling to bonuses. At Helsinki OP Bank, you are given OP bonuses when your banking and/or insurance transactions come up to at least €5,000 per month. Transactions mean, for example, the total amount of loans, savings, purchases paid using OP-Visa as credit card. They also include insurance premiums for Pohjola’s home, family and motor vehicle policies. OP bonuses are used to pay for banking services such as loan service charges. OP bonuses are also used for Pohjola home, family and motor vehicle policy premiums and OP-Kiinteistökeskus real estate commissions. OP bonuses have been calculated for the first year on the bonus scheme rules currently in effect. The calculation has taken account of your monthly repayments for the first year.
Repayment method:Equal payment
Equal payment. The monthly repayment amount remains constant but the loan term may change when interest rates change.
Effective interest rate: %
The effective interest rate includes the full costs of the loan converted to the annual interest rate. Our loan offer based on your loan application provides detailed information on interest on your loan and other terms and conditions. The home loan costs consist of the origination fee accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (minimum of YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY euros. The costs of the secured consumer loan (bank loan) consist of an origination fee of 120 euros and a service fee of 2.50 euros.
Estimated total cost:
Indicates how much it would cost to repay the loan, including charges and interest amounts, based on the information you have provided.
How much do you need to borrow?
What would be a suitable loan term?
Last repayment
Other options
Hire purchase SECURED

The loan is not amortised quickly enough. Change the loan amount or loan term.
Monthly repayment
Interest rate
%
Total cost
Last repayment:
  • The loan is secured against the car you have bought
  • Suitable for all banks' customers
  • Preliminary financing decision at once
Loan documentation fee €YLL_DATA_INIT_COST_AMOUNT and handling fee €YLL_DATA_EXPENSES_MONTHLY/repayment.
  • Interest rate: %
  • Effective interest rate: %
  • Number of repayments: repayments
The effective interest rate includes the full costs of the loan converted to the annual interest rate. Our loan offer based on your loan application provides detailed information on interest on your loan and other terms and conditions. The home loan costs consist of the origination fee accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (minimum of YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY euros. The costs of the secured consumer loan (bank loan) consist of an origination fee of 120 euros and a service fee of 2.50 euros.
The annual percentage rate of charge (APR) contains all costs of the credit (total interest rate and loan servicing fee of €6/month). The interest rate applicable to your loan will be specified when making a decision of your loan.
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OP Tailored Consumer Credit UNSECURED

The loan is not amortised quickly enough. Change the loan amount or loan term.
Monthly repayment
Interest rate
% *
Total cost
  • Customer-specific interest rate starting from a 3,5 % margin + 3-month Euribor.
  • Unsecured one-off credit for which you can apply to the amount of €2,000–30,000.
  • Credit decision issued immediately or within two banking days.
The credit servicing fee €6/month covers the credit establishment fee, credit drawdown to your account and invoicing.
  • Interest rate: % *
  • *The calculator uses 6.95% + a 3-month Euribor as a default margin. A more precise margin of your loan will be indicated in the application phase.
  • Reference interest rate:
  • Effective interest rate: %
  • Number of repayments: repayments
The effective interest rate includes the full costs of the loan converted to the annual interest rate. Our loan offer based on your loan application provides detailed information on interest on your loan and other terms and conditions. The home loan costs consist of the origination fee accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (minimum of YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY euros. The costs of the secured consumer loan (bank loan) consist of an origination fee of 120 euros and a service fee of 2.50 euros.
The annual percentage rate of charge (APR) contains all costs of the credit (total interest rate and loan servicing fee of €6/month). The interest rate applicable to your loan will be specified when making a decision of your loan.
Show additional information
Hide additional information
Bank Loan SECURED

The loan is not amortised quickly enough. Change the loan amount or loan term.
Monthly repayment
Interest rate
%
Total cost
  • You need collateral for the loan, such as an owner-occupied home.
  • Suitable for one-off purchases of over €10,000
  • We can customise a loan repayment plan for you
Loan drawdown and any possible partial drawdowns are subject to a charge based on the bank's service charges and fees.
  • Interest rate: %
  • Reference interest rate:
  • Effective interest rate: %
  • Number of repayments: repayments
The effective interest rate includes the full costs of the loan converted to the annual interest rate. Our loan offer based on your loan application provides detailed information on interest on your loan and other terms and conditions. The home loan costs consist of the origination fee accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (minimum of YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY euros. The costs of the secured consumer loan (bank loan) consist of an origination fee of 120 euros and a service fee of 2.50 euros.
The annual percentage rate of charge (APR) contains all costs of the credit (total interest rate and loan servicing fee of €6/month). The interest rate applicable to your loan will be specified when making a decision of your loan.
Show additional information
Hide additional information
How much do you need to borrow?
What would be a suitable monthly repayment?
Other options
OP Tailored Consumer Credit UNSECURED

The loan is not amortised quickly enough. Change the loan amount or monthly repayment.
Loan term
Interest rate
% *
Total cost
  • Customer-specific interest rate starting from a 3,5 % margin + 3-month Euribor.
  • Unsecured one-off credit for which you can apply to the amount of €2,000–30,000.
  • Credit decision issued immediately or within two banking days.
The credit servicing fee €6/month covers the credit establishment fee, credit drawdown to your account and invoicing.
  • Interest rate: %*
  • *The calculator uses 6.95% + a 3-month Euribor as a default margin. A more precise margin of your loan will be indicated in the application phase.
  • Reference interest rate:
  • Effective interest rate: %
  • Number of repayments: repayments
The effective interest rate includes the full costs of the loan converted to the annual interest rate. Our loan offer based on your loan application provides detailed information on interest on your loan and other terms and conditions. The home loan costs consist of the origination fee accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (minimum of YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY euros. The costs of the secured consumer loan (bank loan) consist of an origination fee of 120 euros and a service fee of 2.50 euros.
The annual percentage rate of charge (APR) contains all costs of the credit (total interest rate and loan servicing fee of €6/month). The interest rate applicable to your loan will be specified when making a decision of your loan.
Show additional information
Hide additional information
Bank Loan SECURED

The loan is not amortised quickly enough. Change the loan amount or monthly repayment.
Loan term
Interest rate
%
Total cost
  • You need collateral for the loan, such as an owner-occupied home.
  • Suitable for one-off purchases of over €10,000
  • We can customise a loan repayment plan for you
Loan drawdown and any possible partial drawdowns are subject to a charge based on the bank's service charges and fees.
  • Interest rate: %
  • Reference interest rate:
  • Effective interest rate: %
  • Number of repayments: repayments
The effective interest rate includes the full costs of the loan converted to the annual interest rate. Our loan offer based on your loan application provides detailed information on interest on your loan and other terms and conditions. The home loan costs consist of the origination fee accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (minimum of YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY euros. The costs of the secured consumer loan (bank loan) consist of an origination fee of 120 euros and a service fee of 2.50 euros.
The annual percentage rate of charge (APR) contains all costs of the credit (total interest rate and loan servicing fee of €6/month). The interest rate applicable to your loan will be specified when making a decision of your loan.
Show additional information
Hide additional information

Period for which you apply for a loan
Loan amount
Interest rate
Loan repayment period
  • The calculation is only suggestive. The loan offer made to you describes the loan interest rate and other terms and conditions in detail.

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Once you have calculated a suitable loan with the loan calculator, you can easily apply for a loan online. You can even sign the loan agreements conveniently at home, if you so wish, because all loan negotiations and signatures can be made online. For the electronic signature, you need OP's credentials. Note that a student aged at least 18 can apply for a student loan and sign it by logging into op.fi – no loan negotiations at a branch are required.