Housing loan

When the loan is just right for you, it makes it possible to make your dreams come true and also gain wealth.

Compare housing loan options

Housing Loan Steady Plus

Our most versatile home loan, Steady Plus, is suitable for you if you want to build up the financial well-being of your family with a long-term approach and secure the family’s economy even through changing life situations.

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Housing Loan Steady

Housing Loan Steady is suitable for you if you want to be able to affect the flexibility of the loan during changing life situations and prepare for fluctuating market rates in advance. 

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Housing Loan Basic

Housing Loan Basic is the product for you if you want a simple loan without any built-in protection or flexibility features.

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Housing Loan Steady Plus

  • Protection against rising interest rates with Interest Collar
  • Flexibility for different life moments with instalment-free periods and loan changes
  • Saving in funds without a subscription fee

Basic features
The reference rate for the loan is Euribor. The loan is paid back in fixed instalments. It is possible to negotiate the loan term and when to start the repayment.

Protection
It is possible to protect the loan even further by adding Loan Insurance or Interest Collar.

Read more about Interest Collar
Read more about Loan Insurance

Flexibility for life with instalment-free months and loan changes
If you have agreed on Housing Loan Steady Plus, you have the option for 24 instalment-free months, and you can apply for them annually for 1–3 months at a time. Any other instalment-free periods must be applied separately. In addition, minor loan changes will be free of charge to you four times during the loan period, if you have agreed on Danske Housing Loan Steady Plus. At the end of the interest period, you can change the reference rate. You can also change the due date or debiting account of your loan if, for example, your payday is changed. We do not charge a service fee according to the normal pricing for these changes.

Price benefit for Dream Loan
As an additional benefit, you will receive discount on the origination fee for the Danske Dream Loan.
Learn more: Dream Loan

Start becoming wealthier by continuously investing in funds
As a Danske Housing Loan Steady Plus client, you can conclude an ongoing fund saving agreement for Danske Invest funds without a subscription fee. The assortment of funds from Danske Invest may contain the fund that is just right for you. If necessary, our experts will help you get started.

For more information about the funds, visit: www.danskeinvest.fi.

 

Housing Loan Steady

  • Protection against rising interest rates with Interest Collar
  • Flexibility for different life moments with instalment-free periods and loan changes
  • Price benefit for One-Time Loan

Basic features
The reference rate for the loan is Euribor. The loan is paid back in fixed instalments. It is possible to negotiate when to start the repayment and the loan term.

Protection
It is possible to protect the loan even further by adding Loan Insurance or Interest Collar.
Read more about Interest Collar
Read more about Loan Insurance

Flexibility for life with instalment-free months and loan changes 
If you have agreed on Housing Loan Steady, you have the option for 12 instalment-free months, and you can apply for them annually for 1–3 months at a time. Any other instalment-free periods must be applied separately. In addition, minor loan changes will be free of charge to you two times during the loan period, if you have agreed on Danske Housing Loan Steady. At the end of the interest period, you can change the reference rate. You can also change the due date or debiting account of your loan if, for example, your payday is changed. We do not charge a service fee according to the normal pricing for these changes.

As an additional benefit, you will receive discount on the origination fee for the Danske One-Time Loan.
Learn more: One-Time Loan

 

Housing Loan Basic

  • An interest-reset loan that cannot have a fixed rate.
  • For additional protection, add Loan Insurance to your loan.
  • Instalment-free periods and loan changes are possible and subject to charge according to the pricelist.

Basic features

  • The maximum loan term is 25 years.
  • The reference rate of the loan is Euribor, and no fixed interest rate can be selected.
  • The loan is paid back in equal instalments, and the repayment is started immediately.
  • Changes to the loan are subject to a fee according to the pricelist.

Protection
It is possible to protect the loan even further by adding Loan Insurance.

Read more about Loan Insurance

 

Information and advice

  • Loan Insurance

    Loan Insurance

    Your home is not only a home but also a long-term investment which, at its best, will increase your assets. This is why you should be prepared for sudden deterioration of your financial situation that may happen. Loan Insurance secures the repayment of your loan even in unexpected life situations. Loan Insurance is needed particularly when you alone are responsible for the repayment of a loan or only one of the debtors goes to work. Amidst a crisis, you can focus your effort on something else than rearranging the loan or selling the home.

  • Interest Collar

    Interest Collar

    If you have an agreement on Housing Loan Steady or Steady Plus, you can add Interest Collar to your loan to prepare for increased market rates. The effect of increased interest on your economy is more pronounced with a higher loan. With Interest Collar, you can ensure that the reference rate of your loan will not exceed the agreed maximum level during the agreed period. During the validity of the Interest Collar, the loan interest rate cannot exceed the maximum reference level plus the margin. Whenever the interest rate is lowered, you will benefit from it to the minimum level.

  • Interest deduction

    Interest deduction

    The interest on a loan taken for buying or renovating a regular dwelling may be partially deducted in taxation. The amount of deficit deduction made from income based on the interest on a loan taken out for purchasing a first home is slightly increased for the year during which you started using the first home and for the subsequent nine years.

If the customer takes a loan of €175,000, the loan period is 20 years and the reference rate for the loan is the 12-month Euribor, the total interest rate of the loan would be 1.25% (1.36% Annual Percentage Rate calculated according to the Consumer Protection Act). The total amount of the credit and other credit expenses is €194,227.18, including the origination fee, €1,020, an automatic account debiting charge, €2.70/payment, and the number of payments is 240. (Information as of the situation on 9 December 2016)