{"id":53963,"date":"2024-04-29T12:22:08","date_gmt":"2024-04-29T09:22:08","guid":{"rendered":"https:\/\/financer.fi\/?p=53963"},"modified":"2024-04-29T13:19:34","modified_gmt":"2024-04-29T10:19:34","slug":"paljonko-lainaa-voin-saada","status":"publish","type":"post","link":"https:\/\/financer.fi\/lainaa\/artikkelit\/paljonko-lainaa-voin-saada\/","title":{"rendered":"Paljonko lainaa voin saada?"},"content":{"rendered":"\n<p>Keskeinen kysymys <strong><a href=\"https:\/\/financer.fi\/lainaa\/\">lainaa<\/a><\/strong> haettaessa on <strong>lainan m\u00e4\u00e4r\u00e4<\/strong>. <\/p>\n\n\n\n<p>Oma lainan tarve ei kuitenkaan aina kohtaa pankin my\u00f6nt\u00e4m\u00e4n lainan m\u00e4\u00e4r\u00e4n kanssa.<\/p>\n\n\n\n<p>T\u00e4ss\u00e4 artikkelissa tutustumme my\u00f6nnett\u00e4v\u00e4\u00e4n lainam\u00e4\u00e4r\u00e4\u00e4n vaikuttaviin asioihin<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Mitk_asiat_vaikuttavat_mynnettvn_lainan_mrn\">Mitk\u00e4 asiat vaikuttavat my\u00f6nnett\u00e4v\u00e4n lainan m\u00e4\u00e4r\u00e4\u00e4n?<\/h2>\n\n\n\n<p>My\u00f6nnett\u00e4v\u00e4n lainan m\u00e4\u00e4r\u00e4\u00e4n ja pankin tekem\u00e4\u00e4n luottop\u00e4\u00e4t\u00f6kseen vaikuttavat aina <strong>kokonaisvaltainen taloudellinen tilanteesi<\/strong> sek\u00e4 pankin tekem\u00e4 arvio <strong>maksukyvyst\u00e4si <\/strong>ja <strong>lainan riskitasosta<\/strong>.<\/p>\n\n\n\n<p>Emme pysty avaamaan tarkkaa pankkikohtaista prosessia, mutta pystymme auttamaan suuntaa-antavan lainasumman l\u00f6yt\u00e4misess\u00e4.<\/p>\n\n\n\n<p>Lainan kuukausittaiset hoitokulut eiv\u00e4t asiantuntijoiden suositusten mukaan saisi ylitt\u00e4\u00e4 30 prosenttia nettopalkastasi. K\u00e4yt\u00e4mme t\u00e4t\u00e4 30 prosentin nyrkkis\u00e4\u00e4nt\u00f6\u00e4 laskiessamme erilaisia lainasummia eri tulotasoille.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Tulot\">Tulot<\/h3>\n\n\n\n<p>Sinulle my\u00f6nnett\u00e4v\u00e4\u00e4n lainam\u00e4\u00e4r\u00e4\u00e4n vaikuttavat luonnollisesti tulosi. Tulotasosi on er\u00e4s t\u00e4rkeimmist\u00e4 lainam\u00e4\u00e4r\u00e4n m\u00e4\u00e4ritt\u00e4vist\u00e4 tekij\u00f6ist\u00e4, mutta ei suinkaan ainoa.<\/p>\n\n\n\n<p>Tulojen m\u00e4\u00e4r\u00e4\u00e4 laskettaessa huomioidaan yleens\u00e4 kaikki <strong>s\u00e4\u00e4nn\u00f6lliset<\/strong> tulot, olivatpa ne palkkatuloa, el\u00e4ketuloa, vuokratuloja tai osinkotuloja.\u00a0<\/p>\n\n\n\n<p>Kertaluontoisia tuloja, kuten myyntivoittoja tai bonuksia ei kuitenkaan yleens\u00e4 huomioida lainan maksukyky\u00e4 arvioitaessa.<\/p>\n\n\n\n<p>Tulojen m\u00e4\u00e4r\u00e4n lis\u00e4ksi t\u00e4rke\u00e4ss\u00e4 roolissa on my\u00f6s tulojen muoto. Mik\u00e4li kaikki tulosi koostuvat vakituisessa, kokoaikaisessa ty\u00f6suhteessa ansaituista palkkatuloista, olet pankkien unelmahakija. Vakituiset palkkatulot madaltavat hakijan riskitasoa pankin silmiss\u00e4, jolloin lainaa voidaan usein my\u00f6nt\u00e4\u00e4 enemm\u00e4n ja paremmilla ehdoilla.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Muut_luotot\">Muut luotot<\/h3>\n\n\n\n<p>Tulojen lis\u00e4ksi t\u00e4rke\u00e4ss\u00e4 roolissa ovat hakijan muut luotot. Muut luotot paitsi nostavat kokonaisvaltaista velkaantumisastettasi, mutta my\u00f6s aiheuttavat kuukausittaisia lainanhoitokuluja, jotka v\u00e4hent\u00e4v\u00e4t k\u00e4yt\u00f6ss\u00e4si olevien tulojen m\u00e4\u00e4r\u00e4\u00e4.<\/p>\n\n\n\n<p>Positiivisen luottotietorekisterin my\u00f6t\u00e4 aiemmat luottosi ovat suoraan luotonmy\u00f6nt\u00e4j\u00e4n tiedossa.<\/p>\n\n\n\n<p>Lainaa my\u00f6nnett\u00e4ess\u00e4 kartoitetaan kaikki luotot, luoton tyypist\u00e4 riippumatta. N\u00e4in ollen my\u00f6s osamaksurahoitukset, luottokortit ja opintolainat vaikuttavat my\u00f6nnett\u00e4v\u00e4n lainan m\u00e4\u00e4r\u00e4\u00e4n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Muut_menot\">Muut menot<\/h3>\n\n\n\n<p>K\u00e4ytett\u00e4viss\u00e4 olevien tulojesi m\u00e4\u00e4r\u00e4\u00e4 kartoittaessa huomioidaan my\u00f6s muut s\u00e4\u00e4nn\u00f6lliset menosi. Suurimpana menona valtaosalla ihmisist\u00e4 ovat asumismenot.<\/p>\n\n\n\n<p>Useimmat luottohakemukset sis\u00e4lt\u00e4v\u00e4t erikseen sivun, jossa kartoitetaan kuukausittaisten menojesi m\u00e4\u00e4r\u00e4\u00e4. Sivulla kysyt\u00e4\u00e4n muun muassa asumismuotoasi ja kuukausittaisen vuokran tai vastikkeen m\u00e4\u00e4r\u00e4\u00e4.<\/p>\n\n\n\n<p>T\u00e4ll\u00e4 tavoin luotontarjoajat pystyv\u00e4t kartoittamaan paljonko nettopalkastasi j\u00e4\u00e4 k\u00e4ytt\u00f6\u00f6n pakollisten menojen j\u00e4lkeen, ja kuinka suuren lainan kuluja ja lyhennyksi\u00e4 pystyt kuukausittain maksamaan.\u00a0<\/p>\n\n\n\n<p>Esimerkiksi 1600 euron nettopalkasta saisi nyrkkis\u00e4\u00e4nn\u00f6n mukaan menn\u00e4 480 euroa kuukaudessa lainanhoitomenoihin. T\u00e4m\u00e4 on kuitenkin mahdollista ainoastaan, mik\u00e4li kaikki muut menosi eiv\u00e4t ylit\u00e4 1120 euroa. Vuokra ja s\u00e4\u00e4nn\u00f6lliset elinkustannukset saattavat herk\u00e4sti nostaa kuukausittaiset kulusi yli t\u00e4m\u00e4n, jolloin sinulla ei todellisuudessa ole varaa ottaa 480 euron kuukausier\u00e4ll\u00e4 olevaa lainaa.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Positiivinen_luottotietorekisteri_vaikeuttaa_ylivelkaantumista\">Positiivinen luottotietorekisteri vaikeuttaa ylivelkaantumista<\/h3><p><!-- wp:paragraph --><\/p>\n<p>Aiemmin muiden luottojen m\u00e4\u00e4r\u00e4 perustui pitk\u00e4lti luotonhakijan omaan ilmoitukseen, mutta 1.4.2024 lanseeratun <a href=\"https:\/\/financer.fi\/wiki\/positiivinen-luottotietorekisteri\/\"><strong>positiivisen luottotietorekisterin<\/strong><\/a> my\u00f6t\u00e4 luotontarjoajat voivat aina varmistaa muiden luottojesi m\u00e4\u00e4r\u00e4n.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>Luotontarjoajilla on positiivisen luottotietorekisterin my\u00f6t\u00e4 my\u00f6s entist\u00e4 tiukempi velvollisuus tutustua hakijan todelliseen maksukykyyn ja kokonaisvaltaiseen taloudelliseen tilanteeseen.<\/p>\n<p><!-- \/wp:paragraph --><\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Paljonko_asuntolainaa_voin_saada\">Paljonko asuntolainaa voin saada?<\/h2>\n\n\n\n<p>Edell\u00e4 mainitut lainam\u00e4\u00e4r\u00e4\u00e4n vaikuttavat tekij\u00e4t p\u00e4tev\u00e4t kaikenlaisiin kuluttajaluottoihin, my\u00f6s vakuudettomiin <a href=\"https:\/\/financer.fi\/lainaa\/kulutusluotto\/\"><strong>kulutusluottoihin<\/strong><\/a>.<\/p>\n\n\n\n<p>My\u00f6s <strong><a href=\"https:\/\/financer.fi\/lainaa\/asuntolaina\/\">asuntolainoissa <\/a><\/strong>tulosi ja menosi sek\u00e4 nykyiset luottosi ovat avainasemassa luottop\u00e4\u00e4t\u00f6ksess\u00e4 ja sinulle my\u00f6nnett\u00e4v\u00e4n lainam\u00e4\u00e4r\u00e4n laskemisessa. <\/p>\n\n\n\n<p>Lis\u00e4ksi asuntolainassa ja muissa vakuudellisissa luotoissa huomioidaan <strong>vakuuksien arvo.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Asunnon_arvo_vaikuttaa_lainan_mrn\">Asunnon arvo vaikuttaa lainan m\u00e4\u00e4r\u00e4\u00e4n<\/h3>\n\n\n\n<p>Asuntolainassa p\u00e4\u00e4asiallisena vakuutena toimii yleens\u00e4 asunto, jolle lasketaan tyypillisesti noin 70 prosentin vakuusarvo. <\/p>\n\n\n\n<p>Voit siis saada lainaa enint\u00e4\u00e4n 70 prosenttia asunnon hinnasta, mik\u00e4li sinulla ei ole muita vakuuksia kuten kiinteist\u00f6j\u00e4, asuntoja tai sijoituksia, tai ulkopuolista takaajaa lainalle.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Lainakatto_asuntolainassa\">Lainakatto asuntolainassa<\/h3><p>My\u00f6s vakuusarvon ollessa riitt\u00e4v\u00e4, asuntolainoissa rajoitetaan Finanssivalvonnan s\u00e4\u00e4d\u00f6ksell\u00e4 enimm\u00e4islainam\u00e4\u00e4r\u00e4\u00e4 suhteessa asunnon hintaan.<\/p>\n<p>Niin sanottu lainakatto rajoittaa asunnon ostajilla enimm\u00e4islainam\u00e4\u00e4r\u00e4n 90 prosenttiin, jolloin v\u00e4hint\u00e4\u00e4n 10 prosenttia asunnon hinnasta tulee rahoittaa omilla s\u00e4\u00e4st\u00f6ill\u00e4.<\/p>\n<p>Poikkeuksena ovat <a href=\"https:\/\/financer.fi\/opas\/ensiasunnon-osto\/\"><strong>ensiasunnon ostajat<\/strong><\/a>, joilla lainakatto on 95 prosenttia, jolloin omarahoitusosuudeksi riitt\u00e4\u00e4 vain 5 prosenttia.<\/p><\/div>\n\n\n\t\t<div id=\"genericloan_0_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg1\"><h3>Vertaile lainoja 55 lainantarjoajalta <\/h3><p>L\u00f6yd\u00e4 halvin lainatarjous yhdell\u00e4 klikkauksella<\/p><div class=\"step amount\">    <div class=\"slider_cont step__value\">\n        <span class=\"fl_l_m_15 amount_display\"><\/span>\n    <\/div>\n    <div class=\"step__slider\">\n        <input type=\"range\" data-default-value=\"3000\" data-name=\"param_amount\" \/>\n    <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financer.fi\/tulokset?query=1&non_affiliate=true&param_amount=3000&param_period=720&\" data-slider-url=\"https:\/\/financer.fi\/tulokset?query=1&non_affiliate=true&param_amount=3000&param_period=720&\" data-required=\"tulokset?query=1non_affiliate=true&param_amount=3000&param_period=720&\" class=\"get_results compare button is-primary is-medium is-rounded\">Vertaile tarjoukset<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"Paljonko_lainaa_voin_saada_eri_tulotasoilla\">Paljonko lainaa voin saada eri tulotasoilla?<\/h2>\n\n\n\n<p>Tulotasosi on suurin yksitt\u00e4inen lainan saamiseen vaikuttava tekij\u00e4, joka suurelta osin muovaa kokonaisvaltaista taloudellista tilannettasi.\u00a0<\/p>\n\n\n\n<p>Laskimme alle suuntaa-antavia lainasummia, joita eri tulotasoilla voisit saada. Huomioithan, ett\u00e4 lainam\u00e4\u00e4r\u00e4t eiv\u00e4t huomioi mahdollisia lainan vakuusvaatimuksia, vaan ainoastaan lainanhoitoon k\u00e4ytett\u00e4vien tulojen m\u00e4\u00e4r\u00e4n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Paljonko_lainaa_2000_tuloilla\">Paljonko lainaa 2000 tuloilla<\/h3>\n\n\n\n<p>2000 euron kuukausittaisilla bruttotuloilla olisi nettopalkkasi noin 1730 euroa kuukaudessa.<\/p>\n\n\n\n<p>30 prosentin nyrkkis\u00e4\u00e4nt\u00f6\u00e4 k\u00e4ytt\u00e4en voisit k\u00e4ytt\u00e4\u00e4 lainaan enint\u00e4\u00e4n 519 euroa kuukaudessa. Todellisuudessa t\u00e4m\u00e4 j\u00e4tt\u00e4isi k\u00e4ytett\u00e4v\u00e4ksesi en\u00e4\u00e4 1211 euroa kuukaudessa asumiseen, ruokaan, harrastuksiin ja mahdollisiin yll\u00e4tt\u00e4viin menoihin. Luontevampi lainan kuukausier\u00e4 saattaisi olla 200-300 euron v\u00e4liss\u00e4.<\/p>\n\n\n\n<p>Kolmen vuoden laina-ajalla voisit saada lainaa jopa 9000 euroa 283 euron kuukausier\u00e4ll\u00e4.<\/p>\n\n\n\n<ul>\n<li><strong>Nettopalkka:<\/strong> 1730\u20ac \/ kk<\/li>\n\n\n\n<li><strong>30% s\u00e4\u00e4nt\u00f6: <\/strong>519\u20ac \/ kk <\/li>\n\n\n\n<li><strong>Lainaa 3v laina-ajalla: <\/strong>9000\u20ac (283\u20ac \/ kk)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Paljonko_lainaa_3000_tuloilla\">Paljonko lainaa 3000 tuloilla<\/h3>\n\n\n\n<p>3000 euron bruttopalkalla olisi olisi k\u00e4teen j\u00e4\u00e4v\u00e4 osuus noin 2340 euroa kuukaudessa.<\/p>\n\n\n\n<p>30 prosentin nyrkkis\u00e4\u00e4nt\u00f6\u00e4 k\u00e4ytt\u00e4en voisit k\u00e4ytt\u00e4\u00e4 lainaan enint\u00e4\u00e4n 702 euroa kuukaudessa.\u00a0<\/p>\n\n\n\n<p>K\u00e4ytett\u00e4v\u00e4ksesi j\u00e4isi t\u00e4ll\u00f6in 1638 euroa kuukaudessa, joka riitt\u00e4\u00e4 el\u00e4miseen, mik\u00e4li sinulla ei ole muita lainoja, monia el\u00e4tett\u00e4vi\u00e4, kalliita harrastuksia tai kallista asuntoa.<\/p>\n\n\n\n<p>Kolmen vuoden laina-ajalla voisit saada lainaa jopa 22000 euroa 674 euron kuukausier\u00e4ll\u00e4.<\/p>\n\n\n\n<ul>\n<li><strong>Nettopalkka:<\/strong> 2340\u20ac \/ kk<\/li>\n\n\n\n<li><strong>30% s\u00e4\u00e4nt\u00f6: <\/strong>702\u20ac \/ kk <\/li>\n\n\n\n<li><strong>Lainaa 3v laina-ajalla: <\/strong>22 000\u20ac (674\u20ac \/ kk)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Paljonko_lainaa_4000_tuloilla\">Paljonko lainaa 4000 tuloilla<\/h3>\n\n\n\n<p>4000 euron kuukausipalkalla olet jo reilusti yli suomalaisen palkansaajan mediaaniansion. K\u00e4teen j\u00e4\u00e4v\u00e4 nettopalkkasi on t\u00e4ll\u00f6in 2812 euroa kuukaudessa, josta 30 prosentin nyrkkis\u00e4\u00e4nn\u00f6ll\u00e4 voisit k\u00e4ytt\u00e4\u00e4 840 euroa kuukaudessa lainaan.<\/p>\n\n\n\n<p>T\u00e4ll\u00f6in k\u00e4ytt\u00f6\u00f6si j\u00e4isi muihin menoihin 1972 euroa kuukaudessa, siis alle puolet bruttopalkastasi.<\/p>\n\n\n\n<p>T\u00e4m\u00e4n nyrkkis\u00e4\u00e4nn\u00f6n perusteella budjettiisi mahtuisi 27 000 euron laina kolmen vuoden maksuajalla, jolloin kuukausier\u00e4 olisi arviolta 814 euroa.<\/p>\n\n\n\n<ul>\n<li><strong>Nettopalkka:<\/strong> 2812\u20ac \/ kk<\/li>\n\n\n\n<li><strong>30% s\u00e4\u00e4nt\u00f6: <\/strong>840\u20ac \/ kk <\/li>\n\n\n\n<li><strong>Lainaa 3v laina-ajalla: <\/strong>27 000\u20ac (814\u20ac \/ kk)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Paljonko_lainaa_5000_tuloilla\">Paljonko lainaa 5000 tuloilla<\/h3>\n\n\n\n<p>T\u00e4ss\u00e4 tuloluokassa kuulut palkansaajien parhaiten tienaavaan 20 prosenttiin.\u00a0<\/p>\n\n\n\n<p>Kuukausipalkastasi j\u00e4\u00e4 keskim\u00e4\u00e4rin k\u00e4teen verojen ja lakis\u00e4\u00e4teisten maksujen j\u00e4lkeen noin 3410 euroa kuukaudessa, josta voisit 30 prosentin s\u00e4\u00e4nn\u00f6ll\u00e4 k\u00e4ytt\u00e4\u00e4 1023 euroa kuukaudessa lainanhoitoon.\u00a0<\/p>\n\n\n\n<p>Muihin menoihin ja s\u00e4\u00e4st\u00f6ihin j\u00e4isi kuukaudessa k\u00e4ytett\u00e4v\u00e4ksi 1023 lainanhoitokuluilla 2387 euroa.<\/p>\n\n\n\n<p>1024 euron kuukausittaisilla lainanhoitokuluilla saisit 3 vuoden laina-ajalla keskim\u00e4\u00e4rin <strong>noin 34 000 euroa lainaa.\u00a0<\/strong><\/p>\n\n\n\n<ul>\n<li><strong>Nettopalkka:<\/strong> 3410\u20ac \/ kk<\/li>\n\n\n\n<li><strong>30% s\u00e4\u00e4nt\u00f6: <\/strong>1023\u20ac \/ kk <\/li>\n\n\n\n<li><strong>Lainaa 3v laina-ajalla: <\/strong>34 000\u20ac (1024\u20ac \/ kk)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Paljonko_lainaa_6000_tuloilla\">Paljonko lainaa 6000 tuloilla<\/h3>\n\n\n\n<p>6000 euron kuukausittaisilla tuloilla kuulut Suomen palkansaajien korkeatuloisimpaan 10 prosenttiin eli ylimp\u00e4\u00e4n tulodesiiliin.<\/p>\n\n\n\n<p>Verojen ja lakis\u00e4\u00e4teisten maksujen j\u00e4lkeen nettopalkkasi on noin 3910 euroa kuukaudessa.<\/p>\n\n\n\n<p>30 prosentin s\u00e4\u00e4nn\u00f6ll\u00e4 voisit k\u00e4ytt\u00e4\u00e4 lainaan kuukaudessa 1173 euroa, jolloin muihin menoihin sek\u00e4 s\u00e4\u00e4st\u00e4miseen ja sijoittamiseen j\u00e4isi 2737 euroa kuukaudessa.\u00a0<\/p>\n\n\n\n<p>Kolmen vuoden maksuajalla voisit mahduttaa budjettiisi 39 000 euron lainan, jonka arvioitu kuukausier\u00e4 olisi noin 1174 euroa kuukaudessa.<\/p>\n\n\n\n<ul>\n<li><strong>Nettopalkka:<\/strong> 3910\u20ac \/ kk<\/li>\n\n\n\n<li><strong>30% s\u00e4\u00e4nt\u00f6: <\/strong>1173\u20ac \/ kk <\/li>\n\n\n\n<li><strong>Lainaa 3v laina-ajalla: <\/strong>39 000\u20ac (1174\u20ac \/ kk)<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Luvut_ovat_suuntaa_antavia\">Luvut ovat suuntaa-antavia<\/h3><p><!-- wp:paragraph --><\/p>\n<p>Edell\u00e4 mainitut esimerkit ovat suuntaa-antavia, sill\u00e4 p\u00e4\u00e4t\u00f6s lainan m\u00e4\u00e4r\u00e4st\u00e4, lainaehdoista ja lainan my\u00f6nt\u00e4misest\u00e4 tehd\u00e4\u00e4n aina henkil\u00f6kohtaisesti.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>30 prosentin s\u00e4\u00e4nt\u00f6 ei my\u00f6sk\u00e4\u00e4n ole suositus, vaan asiantuntijoiden suosittama <strong>enimm\u00e4ism\u00e4\u00e4r\u00e4<\/strong> lainanhoitokuluille.\u00a0<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>Mik\u00e4li menosi ovat yli 70 prosenttia nettopalkasta, et tietystik\u00e4\u00e4n voi k\u00e4ytt\u00e4\u00e4 30 prosenttia lainanhoitoon. Tarkastele siis omaa taloudellista tilannettasi ennen lainan hakemista.<\/p>\n<p><!-- \/wp:paragraph --><\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Enemmn_lainaa_yhteislainalla\">Enemm\u00e4n lainaa yhteislainalla<\/h2>\n\n\n\n<p>Mik\u00e4li sinulle ei my\u00f6nnet\u00e4 riitt\u00e4v\u00e4n suurta lainam\u00e4\u00e4r\u00e4\u00e4 hakiessasi lainaa yksin, kannattaa harkita <strong><a href=\"https:\/\/financer.fi\/wiki\/yhteislaina\/\">yhteislainan <\/a><\/strong>hakemista <strong>yhdess\u00e4 rinnakkaishakijan kanssa<\/strong>.<\/p>\n\n\n\n<p>Hakiessasi lainaa rinnakkaishakijan kanssa, huomioidaan luottop\u00e4\u00e4t\u00f6sten tehdess\u00e4 <strong>molempien hakijoiden<\/strong> tulot.<\/p>\n\n\n\n<p>Sek\u00e4 kulutusluottoa ett\u00e4 asuntolainaa on mahdollistaa hakea yhteislainana.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Molemmat_hakijat_ovat_vastuussa\">Molemmat hakijat ovat vastuussa<\/h3><p>Yhteislainassa molemmat hakijat ovat vastuussa koko lainasummasta henkil\u00f6kohtaisesti.<\/p>\n<p>Ole siis tarkkana kenen kanssa haet yhteislainaa, sill\u00e4 olet itse vastuussa koko lainasumman maksamisesta, mik\u00e4li rinnakkaishakija ajautuu maksukyvytt\u00f6m\u00e4ksi.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"l_ota_liian_pitk_maksuaikaa\">\u00c4l\u00e4 ota liian pitk\u00e4\u00e4 maksuaikaa<\/h2>\n\n\n\n<p>K\u00e4sittelemme lainam\u00e4\u00e4ri\u00e4 t\u00e4ss\u00e4 artikkelissa p\u00e4\u00e4asiassa kuukausittaisen lainakulun kautta. Todellisuudessa lainaa kannattaa kuitenkin mietti\u00e4 kokonaisuutena, eik\u00e4 ainoastaan kuukausier\u00e4n kautta.<\/p>\n\n\n\n<p>Valitsemalla pidemm\u00e4n laina-ajan, saat toki lainaasi pienemm\u00e4n kuukausier\u00e4n, mutta samalla nostat lainan kokonaiskustannuksia.<\/p>\n\n\n\n<p>Pitk\u00e4ll\u00e4 laina-ajalla saatat maksaa lainasta huomattavasti enemm\u00e4n korkoa ja lainakuluja kuin itse lainap\u00e4\u00e4oman lyhennyksi\u00e4. N\u00e4in esimerkiksi 10 000 euron lainan kokonaiskustannukset saattavat nousta jopa yli 20 000 euroon.<\/p>\n\n\n\n                <div class=\"fn_block block_fn_msg_box cost search-hero--bg1\">\n\t\t\t\t<h3>Vertailemalla s\u00e4\u00e4st\u00e4t  <span class=\"compare-amount\">129.00 \u20ac <\/span> lainastasi<\/h3>\n\t\t\t\t<p>Hintaero 3&nbsp;000.00 \u20ac lainalle 90 p\u00e4iv\u00e4n maksuajalla on 129.00 \u20ac.<\/p>\n\t\t\t\t<p class=\"has-text-left\"><a href=\"https:\/\/financer.fi\/tulokset\/?query=1&filter_non_affiliate=1&param_amount=3000&param_period=90\" class=\"button is-normal is-primary is-rounded\">Vertaile lainat<\/a><\/p>\n                <\/div><h2 class=\"wp-block-heading\" id=\"Enemmn_lainaa_vertailemalla\">Enemm\u00e4n lainaa vertailemalla<\/h2>\n\n\n\n<p>Lainojen vertailu kannattaa aina, sill\u00e4 erot lainojen korossa ja sivukuluissa voivat lakis\u00e4\u00e4teisest\u00e4 korkokatosta huolimatta olla suuria. <\/p>\n\n\n\n<p>Edullisemman lainan lis\u00e4ksi lainatarjousten v\u00e4lill\u00e4 voi olla eroa my\u00f6s my\u00f6nnett\u00e4v\u00e4n lainan m\u00e4\u00e4r\u00e4ss\u00e4. Pankki ei v\u00e4ltt\u00e4m\u00e4tt\u00e4 my\u00f6nn\u00e4 koko haettua lainam\u00e4\u00e4r\u00e4\u00e4 vaan voi tarjota t\u00e4t\u00e4 alempaa lainam\u00e4\u00e4r\u00e4\u00e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Hydynn_lainanvlittjt\">Hy\u00f6dynn\u00e4 lainanv\u00e4litt\u00e4j\u00e4t<\/h3>\n\n\n\n<p>Suosittelemme hy\u00f6dynt\u00e4m\u00e4\u00e4n lainanv\u00e4litt\u00e4ji\u00e4 lainojen vertailussa, sill\u00e4 n\u00e4in s\u00e4\u00e4st\u00e4t runsaasti aikaa ja l\u00f6yd\u00e4t parhaan lainatarjouksen helposti.<\/p>\n\n\n\n<p>Lainanv\u00e4litt\u00e4j\u00e4t toimivat v\u00e4lik\u00e4ten\u00e4 sinun ja pankkien v\u00e4lill\u00e4. N\u00e4in saat yhdell\u00e4 lainahakemuksella jopa 20 eri lainatarjousta.<\/p>\n\n\n\n<p>Voit <strong>itse valita<\/strong> parhaiten itsellesi sopivan lainatarjouksen, jossa lainan korko, my\u00f6nnett\u00e4v\u00e4n lainan m\u00e4\u00e4r\u00e4 ja laina-aika miellytt\u00e4v\u00e4t itse\u00e4si.<\/p>\n\n\n\n<p>Listasimme alle muutamia suosituimmista lainanv\u00e4litt\u00e4jist\u00e4:<\/p>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__cards-product\">            <div class=\"custom-company-table\">\n                                <div id=\"filter_slider_custom_company_table-0\" class=\"tw-bs table_cont tabs_inner fN  slider-results custom_company_table\">\n        \n        <div data-header=\"1\" class=\"item-table table table-striped company_table\"><div class=\"item-results container\"><div class=\"sortable-item fs-item premium fs-item\"><div class=\"item-row fs-item__header\"><div class=\"item-column fs-item__left\"><span class=\"fs-item__featured\">Suosittelemme<\/span><a class=\"fs-item__logo fs-company-logo\" href=\"https:\/\/financer.fi\/yritys\/zmarta\/\"><img decoding=\"async\" title=\"Zmarta\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2015\/07\/zmartalogo.png\" alt=\"Zmarta\" \/><\/a><p class=\"fs-item__chosen\">Valittu <b>25812<\/b> kertaa<\/p><\/div><div class=\"fs-item__center\"><div class=\"item-column\"><\/div><div class=\"item-column fs-item__column\"><p class=\"fs-item__text\">Lainasumma<\/p><p class=\"fs-item__value\">1&nbsp;000 \u20ac &#8211; 60&nbsp;000 \u20ac<\/p><\/div><div class=\"item-column fs-item__column\"><p class=\"fs-item__text\">Laina-aika<\/p><p class=\"fs-item__value\">1 Vuosi &#8211; 15 Vuotta<\/p><\/div><div class=\"item-column fs-item__column\"><p class=\"fs-item__text\">Pienin korko<\/p><p class=\"fs-item__value\">4.41% &#8211; 19.5%<\/p><\/div><div class=\"item-column fs-item__column\"><p class=\"fs-item__text\">Ik\u00e4 v\u00e4hint\u00e4\u00e4n<\/p><p class=\"fs-item__value\">20<\/p><\/div><div class=\"item-column\"><\/div><\/div><div class=\"item-column fs-item__right\"><a href=\"https:\/\/financer.fi\/yritys\/zmarta\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.2\">4.2<\/span><\/a><div class=\"fs-item__read\">Lue <a href=\"https:\/\/financer.fi\/yritys\/zmarta\/#read-reviews\">35 arvostelua<\/a><\/div><\/div><\/div><div class=\"item-row fs-item__footer\"><div class=\"item-column fs-item__repexample\">Lainaesimerkki: Luoton ollessa 10 000\u20ac, 6v. laina-ajalla, on kuukausier\u00e4 183\u20ac. T\u00e4ll\u00f6in luoton kokonaiskulut on 13 158\u20ac, nimelliskorko 9,5% ja todellinen vuosikorko 9,92% (sis. 5\u20ac laskutuslis\u00e4n ja avausmaksun 49\u20ac). Luotonmy\u00f6nt\u00e4jien lainasummat vaihtelee 1 000-60 000\u20ac, nimelliskorko 4,41\u201320% (todellinen vuosikorko 4,99-38%) ja laina-aika 1\u201315v. v\u00e4lill\u00e4.<\/div><div class=\"item-column fs-item__actions\"><a href=\"#\" class=\"button is-normal is-rounded is-outlined fs-item__more-button\" data-closed-text=\"Lis\u00e4tietoa\" data-opened-text=\"N\u00e4yt\u00e4 v\u00e4hemm\u00e4n\"><\/a><a href=\"https:\/\/financer.fi\/yritys\/zmarta\/redirect\/\" target=\"_blank\" data-url_param_unq=\"\" class=\"button is-normal is-rounded is-primary fs-item__get-started\" data-url_param_turl=\"\"  data-url_param_b=\"s\" data-company-name=\"Zmarta\" data-company-id=\"4772\" data-plink=\"https:\/\/financer.fi\/yritys\/zmarta\/\" rel=\"sponsored nofollow\"> T\u00e4yt\u00e4 hakemus <\/a><\/div><div class=\"fs-item__details\"><div class=\"item-column is-hidden\"><\/div><div class=\"fs-item__details-left\"><div class=\"item-column\"><\/div><div class=\"item-column fs-item__details-left-row\"><p class=\"fs-item__details-text\">Maksuh\u00e4iri\u00f6merkinn\u00e4t:<\/p><p class=\"fs-item__details-value fs-item__details-value--false\"><\/p><\/div><div class=\"item-column fs-item__details-left-row\"><p class=\"fs-item__details-text\">Lainaa viikonloppuna:<\/p><p class=\"fs-item__details-value fs-item__details-value--true\"><\/p><\/div><div class=\"item-column fs-item__details-left-row\"><p class=\"fs-item__details-text\">Nopea maksu<\/p><p class=\"fs-item__details-value fs-item__details-value--false\"><\/p><\/div><div class=\"item-column fs-item__details-left-row\"><p class=\"fs-item__details-text\">Luottotietoyhti\u00f6<\/p><p class=\"fs-item__details-value\">Suomen Asiakastieto Oy<\/p><\/div><div class=\"item-column fs-item__details-left-row\"><p class=\"fs-item__details-text\">Vuositulot v\u00e4hint\u00e4\u00e4n<\/p><p class=\"fs-item__details-value\">10000<\/p><\/div><div class=\"item-column\"><\/div><\/div><div class=\"fs-item__details-right\"><div class=\"item-column\"><div class=\"overall_ratings\"><div class=\"company-rating \">\n\t\t\t\t\t\t<div class=\"company-rating__total-rating\">\n\t\t\t\t\t\t\t<p class=\"company-rating__text\">\n\t\t\t\t\t\t\t\t35 arvostelua\n\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"company-rating__value\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/financer.fi\/yritys\/zmarta\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.2\">4.2<\/span><\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n            <div class=\"company-rating__row\">\n                <p class=\"company-rating__text\">\n                    Korko &#038; kulut\n                <\/p>\n                <div class=\"company-rating__value\">\n                    <a href=\"https:\/\/financer.fi\/yritys\/zmarta\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><\/a>\n                <\/div>\n            <\/div>\n            <div class=\"company-rating__row\">\n                <p class=\"company-rating__text\">\n                    Joustavuus &#038; ehdot\n                <\/p>\n                <div class=\"company-rating__value\">\n                    <a href=\"https:\/\/financer.fi\/yritys\/zmarta\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><\/a>\n                <\/div>\n            <\/div>\n            <div class=\"company-rating__row\">\n                <p class=\"company-rating__text\">\n                    Nettisivut &#038; k\u00e4ytt\u00e4j\u00e4kokemus\n                <\/p>\n                <div class=\"company-rating__value\">\n                    <a href=\"https:\/\/financer.fi\/yritys\/zmarta\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><\/a>\n                <\/div>\n            <\/div>\n            <div class=\"company-rating__row\">\n                <p class=\"company-rating__text\">\n                    Asiakaspalvelu\n                <\/p>\n                <div class=\"company-rating__value\">\n                    <a href=\"https:\/\/financer.fi\/yritys\/zmarta\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><\/a>\n                <\/div>\n            <\/div>\n\t\t<\/div><\/div><\/div><div class=\"item-column fs-item__details-link\"><a href=\"https:\/\/financer.fi\/yritys\/zmarta\/\">Lue tarkempi arvostelu<\/a><\/div><\/div><div class=\"item-column is-hidden\"><\/div><\/div><\/div><\/div><\/div><\/div>\n        \n        \n                <\/div>\n            <\/div>\n\n                <\/div><div class=\"items-content__cards-product\">            <div class=\"custom-company-table\">\n                                <div id=\"filter_slider_custom_company_table-1\" class=\"tw-bs table_cont tabs_inner fN  slider-results custom_company_table\">\n        \n        <div data-header=\"1\" class=\"item-table table table-striped company_table\"><div class=\"item-results container\"><div class=\"sortable-item fs-item premium fs-item\"><div class=\"item-row fs-item__header\"><div class=\"item-column fs-item__left\"><span class=\"fs-item__featured\">Suosittelemme<\/span><a class=\"fs-item__logo fs-company-logo\" href=\"https:\/\/financer.fi\/yritys\/sortter\/\"><img decoding=\"async\" title=\"Sortter\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2019\/03\/sortter-logo1.png\" alt=\"Sortter\" \/><\/a><p class=\"fs-item__chosen\">Valittu <b>3039<\/b> kertaa<\/p><\/div><div class=\"fs-item__center\"><div class=\"item-column\"><\/div><div class=\"item-column fs-item__column\"><p class=\"fs-item__text\">Lainasumma<\/p><p class=\"fs-item__value\">1&nbsp;000 \u20ac &#8211; 60&nbsp;000 \u20ac<\/p><\/div><div class=\"item-column fs-item__column\"><p class=\"fs-item__text\">Laina-aika<\/p><p class=\"fs-item__value\">1 Vuosi &#8211; 20 Vuotta<\/p><\/div><div class=\"item-column fs-item__column\"><p class=\"fs-item__text\">Pienin korko<\/p><p class=\"fs-item__value\">4% &#8211; 19.5%<\/p><\/div><div class=\"item-column fs-item__column\"><p class=\"fs-item__text\">Ik\u00e4 v\u00e4hint\u00e4\u00e4n<\/p><p class=\"fs-item__value\">20<\/p><\/div><div class=\"item-column\"><\/div><\/div><div class=\"item-column fs-item__right\"><a href=\"https:\/\/financer.fi\/yritys\/sortter\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.7\">4.7<\/span><\/a><div class=\"fs-item__read\">Lue <a href=\"https:\/\/financer.fi\/yritys\/sortter\/#read-reviews\">12 arvostelua<\/a><\/div><\/div><\/div><div class=\"item-row fs-item__footer\"><div class=\"item-column fs-item__repexample\">Lainanantajat tekev\u00e4t henkil\u00f6kohtaiset lainatarjoukset hakijan tietojen mukaan. Lainan kustannukset vaihtelevat lainanmy\u00f6nt\u00e4j\u00e4kohtaisesti ja lainasummat ovat 1000-60 000\u20ac, laina-aika 1-15 vuotta, korko 4-19% ja todellinen vuosikorko 5,19-29%. Lainaesimerkki: Lainasumman ollessa 10 000 \u20ac, korko 7%, takaisinmaksuaika 5 vuotta ja avausmaksu 0 \u20ac, kuukausier\u00e4 on 198,01 \u20ac, takaisinmaksettava summa 11880,6 \u20ac ja todellinen vuosikorko 7,23 %.<\/div><div class=\"item-column fs-item__actions\"><a href=\"#\" class=\"button is-normal is-rounded is-outlined fs-item__more-button\" data-closed-text=\"Lis\u00e4tietoa\" data-opened-text=\"N\u00e4yt\u00e4 v\u00e4hemm\u00e4n\"><\/a><a href=\"https:\/\/financer.fi\/yritys\/sortter\/redirect\/\" target=\"_blank\" data-url_param_unq=\"\" class=\"button is-normal is-rounded is-primary fs-item__get-started\" data-url_param_turl=\"\"  data-url_param_b=\"s\" data-company-name=\"Sortter\" data-company-id=\"18466\" data-plink=\"https:\/\/financer.fi\/yritys\/sortter\/\" rel=\"sponsored nofollow\"> T\u00e4yt\u00e4 hakemus <\/a><\/div><div class=\"fs-item__details\"><div class=\"item-column is-hidden\"><\/div><div class=\"fs-item__details-left\"><div class=\"item-column\"><\/div><div class=\"item-column fs-item__details-left-row\"><p class=\"fs-item__details-text\">Maksuh\u00e4iri\u00f6merkinn\u00e4t:<\/p><p class=\"fs-item__details-value fs-item__details-value--false\"><\/p><\/div><div class=\"item-column fs-item__details-left-row\"><p class=\"fs-item__details-text\">Lainaa viikonloppuna:<\/p><p class=\"fs-item__details-value fs-item__details-value--false\"><\/p><\/div><div class=\"item-column fs-item__details-left-row\"><p class=\"fs-item__details-text\">Nopea maksu<\/p><p class=\"fs-item__details-value fs-item__details-value--false\"><\/p><\/div><div class=\"item-column fs-item__details-left-row\"><p class=\"fs-item__details-text\">Luottotietoyhti\u00f6<\/p><p class=\"fs-item__details-value\">Bisnode Finland Oy ja Suomen Asiakastieto Oy<\/p><\/div><div class=\"item-column fs-item__details-left-row\"><p class=\"fs-item__details-text\">Vuositulot v\u00e4hint\u00e4\u00e4n<\/p><p class=\"fs-item__details-value\">7200<\/p><\/div><div class=\"item-column\"><\/div><\/div><div class=\"fs-item__details-right\"><div class=\"item-column\"><div class=\"overall_ratings\"><div class=\"company-rating \">\n\t\t\t\t\t\t<div class=\"company-rating__total-rating\">\n\t\t\t\t\t\t\t<p class=\"company-rating__text\">\n\t\t\t\t\t\t\t\t12 arvostelua\n\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"company-rating__value\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/financer.fi\/yritys\/sortter\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.7\">4.7<\/span><\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n            <div class=\"company-rating__row\">\n                <p class=\"company-rating__text\">\n                    Korko &#038; kulut\n                <\/p>\n                <div class=\"company-rating__value\">\n                    <a href=\"https:\/\/financer.fi\/yritys\/sortter\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><\/a>\n                <\/div>\n            <\/div>\n            <div class=\"company-rating__row\">\n                <p class=\"company-rating__text\">\n                    Joustavuus &#038; ehdot\n                <\/p>\n                <div class=\"company-rating__value\">\n                    <a href=\"https:\/\/financer.fi\/yritys\/sortter\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><\/a>\n                <\/div>\n            <\/div>\n            <div class=\"company-rating__row\">\n                <p class=\"company-rating__text\">\n                    Nettisivut &#038; k\u00e4ytt\u00e4j\u00e4kokemus\n                <\/p>\n                <div class=\"company-rating__value\">\n                    <a href=\"https:\/\/financer.fi\/yritys\/sortter\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><\/a>\n                <\/div>\n            <\/div>\n            <div class=\"company-rating__row\">\n                <p class=\"company-rating__text\">\n                    Asiakaspalvelu\n                <\/p>\n                <div class=\"company-rating__value\">\n                    <a href=\"https:\/\/financer.fi\/yritys\/sortter\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><\/a>\n                <\/div>\n            <\/div>\n\t\t<\/div><\/div><\/div><div class=\"item-column fs-item__details-link\"><a href=\"https:\/\/financer.fi\/yritys\/sortter\/\">Lue tarkempi arvostelu<\/a><\/div><\/div><div class=\"item-column is-hidden\"><\/div><\/div><\/div><\/div><\/div><\/div>\n        \n        \n                <\/div>\n            <\/div>\n\n                <\/div><div class=\"items-content__cards-product\">            <div class=\"custom-company-table\">\n                                <div id=\"filter_slider_custom_company_table-2\" class=\"tw-bs table_cont tabs_inner fN  slider-results custom_company_table\">\n        \n        <div data-header=\"1\" class=\"item-table table table-striped company_table\"><div class=\"item-results container\"><div class=\"sortable-item fs-item premium fs-item\"><div class=\"item-row fs-item__header\"><div class=\"item-column fs-item__left\"><span class=\"fs-item__featured\">Suosittelemme<\/span><a class=\"fs-item__logo fs-company-logo\" href=\"https:\/\/financer.fi\/yritys\/etua\/\"><img decoding=\"async\" title=\"Etua\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2015\/03\/etua-logo.png\" alt=\"Etua\" \/><\/a><span class=\" search-card__company-trusted-mark\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"no-lazy\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/trusted-label.svg\" \/>\n\t\t\t\t\t\t\t\t\t\t<p class=\"fs-item__trusted search-card__info-tooltip--trusted\">Luotettu kumppani<\/p>\n\t\t\t\t\t\t\t\t\t<\/span><p class=\"fs-item__chosen\">Valittu <b>6429<\/b> kertaa<\/p><\/div><div class=\"fs-item__center\"><div class=\"item-column\"><\/div><div class=\"item-column fs-item__column\"><p class=\"fs-item__text\">Lainasumma<\/p><p class=\"fs-item__value\">500 \u20ac &#8211; 60&nbsp;000 \u20ac<\/p><\/div><div class=\"item-column fs-item__column\"><p class=\"fs-item__text\">Laina-aika<\/p><p class=\"fs-item__value\">1 Vuosi &#8211; 18 Vuotta<\/p><\/div><div class=\"item-column fs-item__column\"><p class=\"fs-item__text\">Pienin korko<\/p><p class=\"fs-item__value\">4.41% &#8211; 19.5%<\/p><\/div><div class=\"item-column fs-item__column\"><p class=\"fs-item__text\">Ik\u00e4 v\u00e4hint\u00e4\u00e4n<\/p><p class=\"fs-item__value\">18<\/p><\/div><div class=\"item-column\"><\/div><\/div><div class=\"item-column fs-item__right\"><a href=\"https:\/\/financer.fi\/yritys\/etua\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.3\">4.3<\/span><\/a><div class=\"fs-item__read\">Lue <a href=\"https:\/\/financer.fi\/yritys\/etua\/#read-reviews\">14 arvostelua<\/a><\/div><\/div><\/div><div class=\"item-row fs-item__footer\"><div class=\"item-column fs-item__repexample\">Lainaerimerkki: KSL:n mukainen lainan todellinen vuosikorko on 11,6%, kun lainan m\u00e4\u00e4r\u00e4 on 10 000 euroa, laina-aika on 12 vuotta ja lainan nimelliskorko on 10%, avausmaksu 80 euroa ja tilinhoitomaksu 5 euroa\/kk. Laina-aika 1-15 vuotta. Tarjottava nimelliskorko voi vaihdella v\u00e4lill\u00e4 4,68% &#8211; 20% ja vuosittaiset lainakustannukset v\u00e4lill\u00e4 0 &#8211; 150\u20ac.Lopullinen todellisen vuosikoron m\u00e4\u00e4r\u00e4, laina-aika ja lainan kuukausier\u00e4 esitet\u00e4\u00e4n lainatarjouksessa. Laina on mahdollista maksaa takaisin ennenaikaisesti, tarkemmat tiedot esitet\u00e4\u00e4n lainasopimuksessa.<\/div><div class=\"item-column fs-item__actions\"><a href=\"#\" class=\"button is-normal is-rounded is-outlined fs-item__more-button\" data-closed-text=\"Lis\u00e4tietoa\" data-opened-text=\"N\u00e4yt\u00e4 v\u00e4hemm\u00e4n\"><\/a><a href=\"https:\/\/financer.fi\/yritys\/etua\/redirect\/\" target=\"_blank\" data-url_param_unq=\"\" class=\"button is-normal is-rounded is-primary fs-item__get-started\" data-url_param_turl=\"\"  data-url_param_b=\"s\" data-company-name=\"Etua\" data-company-id=\"14\" data-plink=\"https:\/\/financer.fi\/yritys\/etua\/\" rel=\"sponsored nofollow\"> T\u00e4yt\u00e4 hakemus <\/a><\/div><div class=\"fs-item__details\"><div class=\"item-column is-hidden\"><\/div><div class=\"fs-item__details-left\"><div class=\"item-column\"><\/div><div class=\"item-column fs-item__details-left-row\"><p class=\"fs-item__details-text\">Maksuh\u00e4iri\u00f6merkinn\u00e4t:<\/p><p class=\"fs-item__details-value fs-item__details-value--false\"><\/p><\/div><div class=\"item-column fs-item__details-left-row\"><p class=\"fs-item__details-text\">Lainaa viikonloppuna:<\/p><p class=\"fs-item__details-value fs-item__details-value--false\"><\/p><\/div><div class=\"item-column fs-item__details-left-row\"><p class=\"fs-item__details-text\">Nopea maksu<\/p><p class=\"fs-item__details-value fs-item__details-value--true\"><\/p><\/div><div class=\"item-column fs-item__details-left-row\"><p class=\"fs-item__details-text\">Luottotietoyhti\u00f6<\/p><p class=\"fs-item__details-value\">Suomen Asiakastieto Oy<\/p><\/div><div class=\"item-column fs-item__details-left-row\"><p class=\"fs-item__details-text\">Vuositulot v\u00e4hint\u00e4\u00e4n<\/p><p class=\"fs-item__details-value\">10200<\/p><\/div><div class=\"item-column\"><\/div><\/div><div class=\"fs-item__details-right\"><div class=\"item-column\"><div class=\"overall_ratings\"><div class=\"company-rating \">\n\t\t\t\t\t\t<div class=\"company-rating__total-rating\">\n\t\t\t\t\t\t\t<p class=\"company-rating__text\">\n\t\t\t\t\t\t\t\t14 arvostelua\n\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"company-rating__value\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/financer.fi\/yritys\/etua\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.3\">4.3<\/span><\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n            <div class=\"company-rating__row\">\n                <p class=\"company-rating__text\">\n                    Korko &#038; kulut\n                <\/p>\n                <div class=\"company-rating__value\">\n                    <a href=\"https:\/\/financer.fi\/yritys\/etua\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><\/a>\n                <\/div>\n            <\/div>\n            <div class=\"company-rating__row\">\n                <p class=\"company-rating__text\">\n                    Joustavuus &#038; ehdot\n                <\/p>\n                <div class=\"company-rating__value\">\n                    <a href=\"https:\/\/financer.fi\/yritys\/etua\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><\/a>\n                <\/div>\n            <\/div>\n            <div class=\"company-rating__row\">\n                <p class=\"company-rating__text\">\n                    Nettisivut &#038; k\u00e4ytt\u00e4j\u00e4kokemus\n                <\/p>\n                <div class=\"company-rating__value\">\n                    <a href=\"https:\/\/financer.fi\/yritys\/etua\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><\/a>\n                <\/div>\n            <\/div>\n            <div class=\"company-rating__row\">\n                <p class=\"company-rating__text\">\n                    Asiakaspalvelu\n                <\/p>\n                <div class=\"company-rating__value\">\n                    <a href=\"https:\/\/financer.fi\/yritys\/etua\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><\/a>\n                <\/div>\n            <\/div>\n\t\t<\/div><\/div><\/div><div class=\"item-column fs-item__details-link\"><a href=\"https:\/\/financer.fi\/yritys\/etua\/\">Lue tarkempi arvostelu<\/a><\/div><\/div><div class=\"item-column is-hidden\"><\/div><\/div><\/div><\/div><\/div><\/div>\n        \n        \n                <\/div>\n            <\/div>\n\n                <\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Keskeinen kysymys lainaa haettaessa on lainan m\u00e4\u00e4r\u00e4. Oma lainan tarve ei kuitenkaan aina kohtaa pankin my\u00f6nt\u00e4m\u00e4n lainan m\u00e4\u00e4r\u00e4n kanssa. T\u00e4ss\u00e4\u2026 <\/p>\n","protected":false},"author":27153,"featured_media":54003,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false,"footnotes":""},"categories":[26],"tags":[],"_links":{"self":[{"href":"https:\/\/financer.fi\/wp-json\/wp\/v2\/posts\/53963"}],"collection":[{"href":"https:\/\/financer.fi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financer.fi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/financer.fi\/wp-json\/wp\/v2\/users\/27153"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.fi\/wp-json\/wp\/v2\/comments?post=53963"}],"version-history":[{"count":26,"href":"https:\/\/financer.fi\/wp-json\/wp\/v2\/posts\/53963\/revisions"}],"predecessor-version":[{"id":54012,"href":"https:\/\/financer.fi\/wp-json\/wp\/v2\/posts\/53963\/revisions\/54012"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.fi\/wp-json\/wp\/v2\/media\/54003"}],"wp:attachment":[{"href":"https:\/\/financer.fi\/wp-json\/wp\/v2\/media?parent=53963"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.fi\/wp-json\/wp\/v2\/categories?post=53963"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.fi\/wp-json\/wp\/v2\/tags?post=53963"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}