Long-term fixed interest rate

Fix your loan’s interest rate for up to 25 years.

Fixed interest rate throughout the loan term

You know in advance your interest charges throughout the loan term, for up to 25 years.


Available only from us

The long-term fixed interest rate for a home loan is available only to OP’s owner-customers.


Flexibility throughout the loan term

Your loan repayment plan will remain flexible. You can pay back the loan early whenever you want, with no extra charges.

Long-term fixed interest rate for up to 25 years – a benefit to owner-customers!

In general, the terms for home loans are rather long. A longer loan term means a smaller monthly loan instalment. This leaves more money for other things, such as daily spending or investment. However, a long loan term also involves risks related to interest rates: it is hard to predict how interest rates will evolve in the future. To avoid the consequences of changing interest rates and to minimise home loan risks, you can choose a long-term fixed interest rate for your loan.

The fixed rate protects your loan against a rise in interest rates. As our owner-customer, you can now choose a long-term fixed interest rate for your home loan throughout the loan's term, for up to 25 years. If you like, you can repay early your long-term fixed rate home loan without any extra costs.

Pitkä kiinteä korko

Whom does the Long-term Fixed Rate suit?

The long-term fixed interest rate a good choice if you want to ensure that the interest charges for your home loan will remain unchanged throughout the loan term. If necessary, you can agree with the bank on other changes to be made to your fixed rate home loan, such as a repayment holiday. OP’s owner-customers – the existing and new ones – are entitled to choose the long-term fixed rate for their home loan. Besides, you benefit from OP bonuses.

In case you become unemployed, incapable of work or are on sick leave for a longer time, you should also protect your home loan in connection with protection against higher interest rates. Adjust your monthly loan repayment so that you can also save some money alongside repayments.

Take out home insurance for your new home at the same time – conveniently under the same roof!

Benefits for owner-customers on daily finances

As our owner-customer, you use our daily banking services at lower cost and benefit from the following benefits, for example: 

  • You get OP eServices, a current account, and OP-Visa for €3.95 per month. Normal charge €5.45/month.
    Product Protection Insurance is free of charge for owner-customers. It covers your card purchases for six months from the time of purchase throughout the world, also in webshops. 

OP bonuses

OP bonuses are used for the bank’s service charges and insurance premiums. As an owner-customer, you will earn OP bonuses for example from:

  • loans
  • savings and investments
  • funds in accounts
  • purchases you have paid for with OP-Visa credit
  • insurance premiums for home, family and motor vehicle policies.
Long-term fixed interest rate is offered by the Group member bank.