{"id":10516,"date":"2017-02-21T19:21:11","date_gmt":"2017-02-21T17:21:11","guid":{"rendered":""},"modified":"2024-09-26T18:11:15","modified_gmt":"2024-09-26T15:11:15","slug":"kaanteinen-asuntolaina","status":"publish","type":"wiki","link":"https:\/\/financer.fi\/lainaa\/artikkelit\/kaanteinen-asuntolaina\/","title":{"rendered":"K\u00e4\u00e4nteinen asuntolaina"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Mik_on_knteinen_asuntolaina\">Mik\u00e4 on k\u00e4\u00e4nteinen asuntolaina?<\/h2>\n\n\n\n<p>K\u00e4\u00e4nteinen asuntolaina on laina asuntoasi vastaan. K\u00e4yt\u00e4nn\u00f6ss\u00e4 k\u00e4\u00e4nteinen laina tarkoittaa asunnon panttaamista pankille ja pankki my\u00f6nt\u00e4\u00e4 lainaa asunnon arvon mukaan.<\/p>\n\n\n\n<p>K\u00e4\u00e4nteist\u00e4 asuntolainaa ei yleens\u00e4 lyhennet\u00e4 laina-aika, vaan lainasumma ja korko maksetaan yleens\u00e4 pois kerralla laina-ajan lopussa esimerkiksi asunnon myyntituloista <a href=\"https:\/\/financer.fi\/wiki\/bullet-laina\/\"><strong>bullet-lainana<\/strong>.<\/a><\/p>\n\n\n\n<p>Lue alempaa kokemuksia ja tietoa k\u00e4\u00e4nteisist\u00e4 asuntolainoista ja vertaile pankkien tarjoukset.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Kenelle_knteinen_asuntolaina_sopii\">Kenelle k\u00e4\u00e4nteinen asuntolaina sopii?<\/h2>\n\n\n\n<p>Suurin osa suomalaisten kotitalouksien varallisuudesta on asuntovarallisuutta. Suomalaisen kotitalouden nettovarallisuus on keskim\u00e4\u00e4rin 195000 euroa. Varallisuudesta jopa noin <strong>86 prosenttia<\/strong> on asuntovarallisuutta.<\/p>\n\n\n\n<p>Kun suurin osa varallisuudesta on kiinni asunnossa, ei k\u00e4yt\u00f6ss\u00e4 oleva raha v\u00e4ltt\u00e4m\u00e4tt\u00e4 riit\u00e4 suurempien menojen, matkustelun tai muiden menojen kattamiseen.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Knteisell_asuntolainalla_saat_lainaa_asuntovarallisuutta_vastaan\">K\u00e4\u00e4nteisell\u00e4 asuntolainalla saat lainaa asuntovarallisuutta vastaan<\/h3>\n\n\n\n<p><strong>K\u00e4\u00e4nteinen asuntolaina <\/strong>on yksi tapa vapauttaa asuntovarallisuutta k\u00e4ytt\u00f6rahaksi ilman asunnon myynti\u00e4.<\/p>\n\n\n\n<p>K\u00e4\u00e4nteinen asuntolaina on usein yli 60-vuotiaille suunnattu lainatuote, mutta sit\u00e4 ei ole rajoitettu tietylle ik\u00e4ryhm\u00e4lle.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Kenelle_knteinen_asuntolaina_sopii_1\">Kenelle k\u00e4\u00e4nteinen asuntolaina sopii?<\/h3><p><!-- wp:paragraph --><\/p>\n<p><strong>K\u00e4\u00e4nteinen laina voi olla hyv\u00e4 valinta, jos:<\/strong><\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:list --><\/p>\n<ul><!-- wp:list-item -->\n<li>Tarvitset lainaa remonttiin tai muuhun suurempaan tarpeeseen<\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li>Suuri osa omaisuudestasi on asuntovarallisuutta ja haluat vapauttaa omaisuutta muuhun k\u00e4ytt\u00f6\u00f6n<\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li>Sinulla ei v\u00e4ltt\u00e4m\u00e4tt\u00e4 ole suuria k\u00e4teisvaroja tai muita helposti k\u00e4ytett\u00e4viss\u00e4 olevia sijoituksia, tai muiden sijoitusten myyminen ei ole juuri nyt kannattavaa<\/li>\n<!-- \/wp:list-item --><\/ul>\n<p><!-- \/wp:list --><\/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=Array&\" data-slider-url=\"https:\/\/financer.fi\/tulokset?query=1&non_affiliate=true&param_amount=3000&param_period=Array&\" data-required=\"tulokset?query=1non_affiliate=true&param_amount=3000&param_period=Array&\" class=\"get_results compare button is-primary is-medium is-rounded\">Vertaile tarjoukset<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"Mist_knteisess_asuntolainassa_on_oikein_kyse\">Mist\u00e4 k\u00e4\u00e4nteisess\u00e4 asuntolainassa on oikein kyse?<\/h2>\n\n\n\n<p>K\u00e4\u00e4nteinen asuntolaina kulkee pankeissa eri nimill\u00e4 ja voit t\u00f6rm\u00e4t\u00e4 siihen esimerkiksi nimill\u00e4 <strong>k\u00e4\u00e4nteinen laina<\/strong>, <strong>asuntojousto<\/strong>, <strong>kodinomistajan laina<\/strong> tai <strong>kotilaina<\/strong>.<\/p>\n\n\n\n<p>Lainojen ehdot vaihtelevat pankeittain ja moni tarjolla olevista vaihtoehdoista muistuttaa tavallista <a href=\"https:\/\/financer.fi\/lainaa\/kulutusluotto\/\">kulutusluottoa<\/a>, jossa asunto on <a href=\"https:\/\/financer.fi\/lainaa\/vakuudellinen-laina\/\">lainan vakuutena<\/a>.<\/p>\n\n\n\n<p><strong>K\u00e4\u00e4nteisess\u00e4 asuntolainassa pankki my\u00f6nt\u00e4\u00e4 lainaa asuntoasi vastaan. <\/strong>Tietty osuus asunnosta pantataan pankille lainan vakuudeksi, mutta asunto j\u00e4\u00e4 silti omistukseesi ja saat asua siin\u00e4 normaalisti.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Knteinen_asuntolaina_on_usein_kertalyhennyslaina\">K\u00e4\u00e4nteinen asuntolaina on usein kertalyhennyslaina<\/h3>\n\n\n\n<p>Tyypillisesti laina-aikana lainasta maksetaan vain korko, mutta lainap\u00e4\u00e4omaa ei lyhennet\u00e4 lainkaan. Velka maksetaan takaisin yleens\u00e4 laina-ajan p\u00e4\u00e4tytty\u00e4 esimerkiksi asunnon myyntituloista.<\/p>\n\n\n\n<p>Kyseess\u00e4 on n\u00e4in kertalyhennyslaina eli bullet-laina. Bullet-lainat ovat yksityishenkil\u00f6ill\u00e4 varsin harvinaisia k\u00e4\u00e4nteisten asuntolainojen ja joidenkin sijoituslainojen ulkopuolella.<\/p>\n\n\n\n<p>Suuremmista summista puhuttaessa k\u00e4\u00e4nteinen asuntolaina maksetaan tilille yleens\u00e4 eriss\u00e4 usean vuoden ajanjaksolla.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Eri_pankkien_knteiset_asuntolainat_vertailussa\">Eri pankkien k\u00e4\u00e4nteiset asuntolainat vertailussa<\/h2>\n\n\n\n<p>Suurimpien pankkien tarjoamissa k\u00e4\u00e4nteisiss\u00e4 asuntolainoissa ei k\u00e4yt\u00e4nn\u00f6ss\u00e4 ole lainaehtojen puolesta suuria eroja.<\/p>\n\n\n\n<p>Perusehdoiltaan vertailussa erottuu ainoastaan <strong>Hypo<\/strong>, joka my\u00f6nt\u00e4\u00e4 k\u00e4\u00e4nteist\u00e4 lainaa l\u00e4hinn\u00e4 vain Helsingin seudulla.<\/p>\n\n\n\n<p>K\u00e4\u00e4nteisten asuntolainojen hinnasto vaihtelee jonkin verran pankkien v\u00e4lill\u00e4.<\/p>\n\n\n\n<p>Korko on lainoissa suurin piirtein samaa luokkaa, mutta lainan korko m\u00e4\u00e4r\u00e4ytyy yleens\u00e4 aina tapauskohtaisesti samalla tavalla kuin tavallisessa <a href=\"https:\/\/financer.fi\/lainaa\/asuntolaina\/\" data-type=\"page\" data-id=\"3105\">asuntolainassa<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Knteisten_asuntolainojen_avausmaksuissa_satojen_eurojen_erot\">K\u00e4\u00e4nteisten asuntolainojen avausmaksuissa satojen eurojen erot<\/h3>\n\n\n\n<p>Vertailun mukaan avausmaksuissa oli merkitt\u00e4vi\u00e4 eroja. Esimerkiksi Aktia perii avausmaksua 800 euroa, kun taas Nordeassa avausmaksua ei ole, mutta kuukausikulu on huomattavasti kalliimpi. <\/p>\n\n\n\n<p>Dansken avausmaksu voi nousta my\u00f6s suureksi, kun lainasumma on iso &#8211; esimerkiksi 150 000 euron lainalle Dansken avausmaksu on 0,60 prosenttia eli 900 euroa.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Vertailussa_pankkien_knteiset_asuntolainat\">Vertailussa pankkien k\u00e4\u00e4nteiset asuntolainat<\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-embeddable\"><table><thead><tr><th><\/th><th><strong>Aktia<\/strong><\/th><th><strong>OP<\/strong><\/th><th><strong>Hypo<\/strong><\/th><th><strong>Nordea<\/strong><\/th><th><strong>Danske<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Lainan nimi<\/strong><\/td><td>K\u00e4\u00e4nteinen asuntolaina<\/td><td>Kodinomistajan laina<\/td><td>K\u00e4\u00e4nteinen asuntolaina<\/td><td>KotiJousto<\/td><td>Kotilaina<\/td><\/tr><tr><td><strong>Lainaa enint\u00e4\u00e4n asunnon arvosta<\/strong><\/td><td>50% velattomasta arvosta<\/td><td>50% velattomasta arvosta<\/td><td>Tapauskohtaisesti<\/td><td>Lainasumma on 20000\u20ac &#8211; 300000\u20ac, mutta kuitenkin enint\u00e4\u00e4n<br>50% velattomasta arvosta<\/td><td>50% velattomasta arvosta<\/td><\/tr><tr><td><strong>Laina-aika<\/strong><\/td><td>10 vuotta<\/td><td>10 vuotta<\/td><td>Sopimuksen mukaan<\/td><td>10 vuotta<\/td><td>10 vuotta<\/td><\/tr><tr><td><strong>Lainan lyhent\u00e4minen<\/strong><\/td><td>Laina-aikana maksetaan vain korko ja kulut<\/td><td>Laina-aikana maksetaan vain korko ja kulut<\/td><td>Laina-aikana maksetaan vain korko ja kulut<\/td><td>Laina-aikana maksetaan korko ja kulut<\/td><td>Laina-aikana maksetaan vain korko<\/td><\/tr><tr><td><strong>Takaisinmaksu<\/strong><\/td><td>Laina maksetaan kerralla laina-ajan lopussa<\/td><td>Laina maksetaan kerralla laina-ajan lopussa<\/td><td>Laina maksetaan kerralla laina-ajan lopussa<\/td><td>Laina maksetaan kerralla laina-ajan lopussa<\/td><td>Laina maksetaan kerralla laina-ajan lopussa<\/td><\/tr><tr><td><strong>Mahdollista pident\u00e4\u00e4 laina-aikaa?<\/strong><\/td><td>Kyll\u00e4, sopimuksen mukaan<\/td><td>Kyll\u00e4, sopimuksen mukaan<\/td><td>Kyll\u00e4<\/td><td>Kyll\u00e4, tekem\u00e4ll\u00e4 uuden sopimuksen<\/td><td>Kyll\u00e4, tekem\u00e4ll\u00e4 uuden sopimuksen<\/td><\/tr><tr><td><strong>Vakuudeksi kelpaava asunto<\/strong><\/td><td>L\u00e4hinn\u00e4 velattomat omistusasunnot<\/td><td>Velattomat tai l\u00e4hes velattomat omistusasunnot<\/td><td>L\u00e4hinn\u00e4 vain Helsingin kantakaupungissa olevat asunnot<\/td><td>Velattomat tai l\u00e4hes velattomat omistusasunnot tai sijoitusasunnot<\/td><td>Velattomat tai l\u00e4hes velattomat omistusasunnot<\/td><\/tr><tr><td><strong>Avausmaksu tai k\u00e4sittelykulu<\/strong><\/td><td>800\u20ac<\/td><td>120\u20ac<\/td><td>300\u20ac liittymismaksu, 100\u20ac toimituskulu<\/td><td>0\u20ac<\/td><td>0,60% lainan p\u00e4\u00e4omasta tai v\u00e4hint\u00e4\u00e4n 300\u20ac<\/td><\/tr><tr><td><strong>Tilinhoitomaksu<\/strong><\/td><td>2,30\u20ac\/kk<\/td><td>2,50\u20ac\/kk<\/td><td>2,20\u20ac\/kk<\/td><td>6\u20ac\/kk<\/td><td>2,70\u20ac\/kk<\/td><\/tr><tr><td><strong>Korko<\/strong><\/td><td>Viitekorko + Euribor 12kk<\/td><td>Kiinte\u00e4 korko lainan nostohetken mukaan<\/td><td>Viitekorko tai kiinte\u00e4 korko<\/td><td>Euribor 12kk + marginaali<\/td><td>DanskePrime + marginaali<\/td><\/tr><tr><td><strong>Lue lis\u00e4\u00e4<\/strong><\/td><td><a rel=\"noreferrer noopener\" href=\"https:\/\/www.aktia.fi\/fi\/kaanteinen-asuntolaina\" target=\"_blank\">Lis\u00e4tietoa<\/a><\/td><td><meta charset=\"utf-8\"><a rel=\"noreferrer noopener\" href=\"https:\/\/www.op.fi\/henkiloasiakkaat\/lainat-ja-asunnot\/kodinomistajan-laina\" target=\"_blank\">Lis\u00e4tietoa<\/a><\/td><td><a rel=\"noreferrer noopener\" href=\"https:\/\/www.hypo.fi\/lainat\/kaanteinen-asuntolaina\/\" target=\"_blank\">Lis\u00e4tietoa<\/a><\/td><td><meta charset=\"utf-8\"><a href=\"https:\/\/www.nordea.fi\/henkiloasiakkaat\/palvelumme\/lainat\/asuntolainat\/kotijousto-laina.html\" target=\"_blank\" rel=\"noreferrer noopener\">Lis\u00e4tietoa<\/a><\/td><td><meta charset=\"utf-8\"><a href=\"https:\/\/danskebank.fi\/sinulle\/tuotteet\/asuntolaina\/kotilaina\" target=\"_blank\" rel=\"noreferrer noopener\">Lis\u00e4tietoa<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Mit_vaihtoehtoja_knteisille_asuntolainoille_on\">Mit\u00e4 vaihtoehtoja k\u00e4\u00e4nteisille asuntolainoille on?<\/h3>\n\n\n\n<p>Tyypillinen k\u00e4ytt\u00f6tarkoitus k\u00e4\u00e4nteiselle asuntolainalle on taloyhti\u00f6n remontti tai muu vastaava tarve.<\/p>\n\n\n\n<p>Remonttiin tai muuhun suurempaan hankintaan voi hakea tavallista lainaa tai remonttilainaa tarpeen mukaan.<\/p>\n\n\n\n<p>Lainat kannattaa aina kilpailuttaa ennen lainatarjouksen hyv\u00e4ksymist\u00e4. Vakuudettomien lainojen kilpailuttaminen onnistuu helposti ja ilmaiseksi <strong>lainanv\u00e4litt\u00e4jien <\/strong>avulla.<\/p>\n\n\n\n<p>Lainanv\u00e4litt\u00e4j\u00e4t ovat ilmaisia palveluita, jotka v\u00e4litt\u00e4v\u00e4t lainahakemuksesi jopa 25 eri pankille. Saat tarjoukset vertailtavaksesi ja voit itse valita parhaan.<\/p>\n\n\n\n<p>Pankit maksavat lainanv\u00e4litt\u00e4jille palkkion, joten palvelun k\u00e4ytt\u00f6 on sinulle t\u00e4ysin ilmaista. Suuremmassa remonttilainassa voit s\u00e4\u00e4st\u00e4\u00e4 jopa tuhansia euroja laina-aikana.<\/p>\n\n\n\n<p>Kokosimme alla olevaan listaan suosituimmat Suomessa toimivat lainanv\u00e4litt\u00e4j\u00e4t ja niiden kilpailuttamien pankkien lukum\u00e4\u00e4r\u00e4n:<\/p>\n\n\n<div class=\"fn_block fn-comparison-table\">                                    <h3 class=\"comparison-table__title-main\">Lainanv\u00e4litt\u00e4j\u00e4t<\/h3>\n                                            <div class=\"comparison-table__binder\">\n                <div class=\"comparison-table__dots is-hidden-tablet\">\n                    <div class=\"comparison-table__dot comparison-table__dot--big\"><\/div>\n                    <div class=\"comparison-table__dot\"><\/div>\n                    <div class=\"comparison-table__dot\"><\/div>\n                <\/div>\n                <div class=\"comparison-table__relative is-content\">\n                    <div class=\"comparison-table__scroll is-content\">\n                        <table class=\"comparison-table is-content\" js-data-comparison-table=\"\"\n                               js-data-affiliate-on-top=\"false\">\n                            <thead>\n                                <tr>\n                                    <th>\n                                        <span data-sorting=\"logo\"  data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                            Yritys                                        <\/span>\n                                    <\/th>\n                                                                        <th>\n                                        <span data-sorting=\"rating\" data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                            Luokitus                                        <\/span>\n                                    <\/th>\n                                    \n                                    <th> <span data-sorting=\"manual-data-point-1\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"Pankit\">\n                    Pankit<\/span><\/th><th> <span data-sorting=\"interest-rate-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Korko\">Korko<\/span><\/th>                                    <th>\n                                        <span data-sorting=\"affiliate\" class=\"comparison-table__title comparison-table__title--button\">\n                                                                                    <\/span>\n                                    <\/th>\n                                <\/tr>\n                            <\/thead>\n                            <tbody>\n                                <tr class=\"comparison-table__row\"  data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Sortter\"\n                data-product-id=\"18466\">\n                <span class=\"search-card__featured\">Suosittelemme<\/span>\n                <a   data-url_param_unq=\"\"  data-url_param_pid=\"18466\"  href=\"https:\/\/financer.fi\/yritys\/sortter\/\">\n                    <img decoding=\"async\" title=\"Sortter\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2019\/03\/sortter-logo1.png\" alt=\"Sortter\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.70454545\">\n            <a href=\"https:\/\/financer.fi\/yritys\/sortter\/#read-reviews\"><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.7\">4.7<\/span><\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"22\">\n                        <span class=\"comparison-table__text\">22<\/span><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"4.00\">4.00% &#8211; 19.50%<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/sortter\/\" data-url_param_unq=\"\"  data-url_param_pid=\"18466\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Zmarta\"\n                data-product-id=\"4772\">\n                <span class=\"search-card__featured\">Suosittelemme<\/span>\n                <a   data-url_param_unq=\"\"  data-url_param_pid=\"4772\"  href=\"https:\/\/financer.fi\/yritys\/zmarta\/\">\n                    <img decoding=\"async\" title=\"Zmarta\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2015\/07\/zmartalogo.png\" alt=\"Zmarta\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.24285714\">\n            <a href=\"https:\/\/financer.fi\/yritys\/zmarta\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.2\">4.2<\/span><\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"22\">\n                        <span class=\"comparison-table__text\">22<\/span><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"4.41\">4.41% &#8211; 19.50%<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/zmarta\/\" data-url_param_unq=\"\"  data-url_param_pid=\"4772\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Uno Laina\"\n                data-product-id=\"53850\">\n                \n                <a   data-url_param_unq=\"\"  data-url_param_pid=\"53850\"  href=\"https:\/\/financer.fi\/yritys\/uno-laina\/\">\n                    <img decoding=\"async\" title=\"Uno Laina\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2024\/04\/unolaina-logo.png\" alt=\"Uno Laina\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.00000000\">\n            <a href=\"https:\/\/financer.fi\/yritys\/uno-laina\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4\">4.0<\/span><\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"10\">\n                        <span class=\"comparison-table__text\">10<\/span><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"4.19\">4.19% &#8211; 19.50%<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/uno-laina\/\" data-url_param_unq=\"\"  data-url_param_pid=\"53850\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Etua\"\n                data-product-id=\"14\">\n                <span class=\"search-card__featured\">Suosittelemme<\/span>\n                <a   data-url_param_unq=\"\"  data-url_param_pid=\"14\"  href=\"https:\/\/financer.fi\/yritys\/etua\/\">\n                    <img decoding=\"async\" title=\"Etua\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2015\/03\/etua-logo.png\" alt=\"Etua\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.27678571\">\n            <a href=\"https:\/\/financer.fi\/yritys\/etua\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.3\">4.3<\/span><\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"23\">\n                        <span class=\"comparison-table__text\">23<\/span><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"4.41\">4.41% &#8211; 19.50%<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/etua\/\" data-url_param_unq=\"\"  data-url_param_pid=\"14\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Rahalaitos\"\n                data-product-id=\"3022\">\n                <span class=\"search-card__featured\">Suosittelemme<\/span>\n                <a   data-url_param_unq=\"\"  data-url_param_pid=\"3022\"  href=\"https:\/\/financer.fi\/yritys\/rahalaitos\/\">\n                    <img decoding=\"async\" title=\"Rahalaitos\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2015\/04\/rahalaitos-logo-2.png\" alt=\"Rahalaitos\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.17361111\">\n            <a href=\"https:\/\/financer.fi\/yritys\/rahalaitos\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.2\">4.2<\/span><\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"25\">\n                        <span class=\"comparison-table__text\">25<\/span><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"4.19\">4.19% &#8211; 19.50%<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/rahalaitos\/\" data-url_param_unq=\"\"  data-url_param_pid=\"3022\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Omalaina\"\n                data-product-id=\"3274\">\n                <span class=\"search-card__featured\">Suosittelemme<\/span>\n                <a   data-url_param_unq=\"\"  data-url_param_pid=\"3274\"  href=\"https:\/\/financer.fi\/yritys\/omalaina\/\">\n                    <img decoding=\"async\" title=\"Omalaina\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2015\/04\/omalaina-logo-1.png\" alt=\"Omalaina\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.33482143\">\n            <a href=\"https:\/\/financer.fi\/yritys\/omalaina\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.3\">4.3<\/span><\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"21\">\n                        <span class=\"comparison-table__text\">21<\/span><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"4.19\">4.19% &#8211; 19.50%<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/omalaina\/\" data-url_param_unq=\"\"  data-url_param_pid=\"3274\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Freedom rahoitus\"\n                data-product-id=\"3260\">\n                \n                <a   data-url_param_unq=\"\"  data-url_param_pid=\"3260\"  href=\"https:\/\/financer.fi\/yritys\/freedom-rahoitus\/\">\n                    <img decoding=\"async\" title=\"Freedom rahoitus\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2018\/01\/freedom-rahoitus.png\" alt=\"Freedom rahoitus\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"3.73888889\">\n            <a href=\"https:\/\/financer.fi\/yritys\/freedom-rahoitus\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.7\">3.7<\/span><\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"25\">\n                        <span class=\"comparison-table__text\">25<\/span><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"4.41\">4.41% &#8211; 19.50%<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/freedom-rahoitus\/\" data-url_param_unq=\"\"  data-url_param_pid=\"3260\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Kattokorko\"\n                data-product-id=\"79085\">\n                <span class=\"search-card__featured\">Suosittelemme<\/span>\n                <a   data-url_param_unq=\"\"  data-url_param_pid=\"79085\"  href=\"https:\/\/financer.fi\/yritys\/kattokorko\/\">\n                    <img decoding=\"async\" title=\"Kattokorko\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2024\/07\/kattokorko.png\" alt=\"Kattokorko\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.00000000\">\n            <a href=\"https:\/\/financer.fi\/yritys\/kattokorko\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4\">4.0<\/span><\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"15\">\n                        <span class=\"comparison-table__text\">15<\/span><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"5.00\">5.00% &#8211; 10.00%<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/kattokorko\/\" data-url_param_unq=\"\"  data-url_param_pid=\"79085\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Axolaina\"\n                data-product-id=\"46965\">\n                \n                <a   data-url_param_unq=\"\"  data-url_param_pid=\"46965\"  href=\"https:\/\/financer.fi\/yritys\/axolaina\/\">\n                    <img decoding=\"async\" title=\"Axolaina\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2023\/08\/axolaina.png\" alt=\"Axolaina\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.15000000\">\n            <a href=\"https:\/\/financer.fi\/yritys\/axolaina\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.2\">4.2<\/span><\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"18\">\n                        <span class=\"comparison-table__text\">18<\/span><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"4.00\">4.00% &#8211; 19.50%<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/axolaina\/\" data-url_param_unq=\"\"  data-url_param_pid=\"46965\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr>                            <\/tbody>\n                        <\/table>\n                    <\/div>\n                                            <table class=\"comparison-table comparison-table--content-logo is-hidden-mobile\">\n                            <thead>\n                                <tr>\n                                    <th>\n                                        <span data-sorting=\"logo\"  data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                            Yritys                                        <\/span>\n                                    <\/th>\n                                <\/tr>\n                            <\/thead>\n                            <tbody>\n                                <tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Sortter\"\n                data-product-id=\"18466\">\n                <span class=\"search-card__featured\">Suosittelemme<\/span>\n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"18466\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.fi\/yritys\/sortter\/redirect\/\">\n                    <img decoding=\"async\" title=\"Sortter\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2019\/03\/sortter-logo1.png\" alt=\"Sortter\">\n                <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Zmarta\"\n                data-product-id=\"4772\">\n                <span class=\"search-card__featured\">Suosittelemme<\/span>\n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"4772\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.fi\/yritys\/zmarta\/redirect\/\">\n                    <img decoding=\"async\" title=\"Zmarta\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2015\/07\/zmartalogo.png\" alt=\"Zmarta\">\n                <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Uno Laina\"\n                data-product-id=\"53850\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"53850\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.fi\/yritys\/uno-laina\/redirect\/\">\n                    <img decoding=\"async\" title=\"Uno Laina\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2024\/04\/unolaina-logo.png\" alt=\"Uno Laina\">\n                <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Etua\"\n                data-product-id=\"14\">\n                <span class=\"search-card__featured\">Suosittelemme<\/span>\n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"14\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.fi\/yritys\/etua\/redirect\/\">\n                    <img decoding=\"async\" title=\"Etua\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2015\/03\/etua-logo.png\" alt=\"Etua\">\n                <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Rahalaitos\"\n                data-product-id=\"3022\">\n                <span class=\"search-card__featured\">Suosittelemme<\/span>\n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"3022\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.fi\/yritys\/rahalaitos\/redirect\/\">\n                    <img decoding=\"async\" title=\"Rahalaitos\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2015\/04\/rahalaitos-logo-2.png\" alt=\"Rahalaitos\">\n                <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Omalaina\"\n                data-product-id=\"3274\">\n                <span class=\"search-card__featured\">Suosittelemme<\/span>\n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"3274\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.fi\/yritys\/omalaina\/redirect\/\">\n                    <img decoding=\"async\" title=\"Omalaina\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2015\/04\/omalaina-logo-1.png\" alt=\"Omalaina\">\n                <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Freedom rahoitus\"\n                data-product-id=\"3260\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"3260\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.fi\/yritys\/freedom-rahoitus\/redirect\/\">\n                    <img decoding=\"async\" title=\"Freedom rahoitus\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2018\/01\/freedom-rahoitus.png\" alt=\"Freedom rahoitus\">\n                <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Kattokorko\"\n                data-product-id=\"79085\">\n                <span class=\"search-card__featured\">Suosittelemme<\/span>\n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"79085\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.fi\/yritys\/kattokorko\/redirect\/\">\n                    <img decoding=\"async\" title=\"Kattokorko\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2024\/07\/kattokorko.png\" alt=\"Kattokorko\">\n                <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Axolaina\"\n                data-product-id=\"46965\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"46965\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.fi\/yritys\/axolaina\/redirect\/\">\n                    <img decoding=\"async\" title=\"Axolaina\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2023\/08\/axolaina.png\" alt=\"Axolaina\">\n                <\/a><\/td><\/tr>                            <\/tbody>\n                        <\/table>\n                        <table class=\"comparison-table comparison-table--content-button is-hidden-mobile\">\n                            <thead>\n                                <tr>\n                                    <th>T\u00e4yt\u00e4 hakemus<\/th>\n                                <\/tr>\n                            <\/thead>\n                            <tbody>\n                                <tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/sortter\/\" data-url_param_unq=\"\"  data-url_param_pid=\"18466\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/zmarta\/\" data-url_param_unq=\"\"  data-url_param_pid=\"4772\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/uno-laina\/\" data-url_param_unq=\"\"  data-url_param_pid=\"53850\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/etua\/\" data-url_param_unq=\"\"  data-url_param_pid=\"14\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/rahalaitos\/\" data-url_param_unq=\"\"  data-url_param_pid=\"3022\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/omalaina\/\" data-url_param_unq=\"\"  data-url_param_pid=\"3274\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/freedom-rahoitus\/\" data-url_param_unq=\"\"  data-url_param_pid=\"3260\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/kattokorko\/\" data-url_param_unq=\"\"  data-url_param_pid=\"79085\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/axolaina\/\" data-url_param_unq=\"\"  data-url_param_pid=\"46965\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr>                            <\/tbody>\n                        <\/table>\n                                        <table class=\"comparison-table comparison-table--mobile is-content is-hidden-tablet\"\n                           js-data-comparison-table=\"\" js-data-affiliate-on-top=\"false\">\n                        <thead>\n                            <tr>\n                                <th style=\"width: 125px\">\n                                    <span data-sorting=\"logo\"  data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                        Yritys                                    <\/span>\n                                <\/th>\n                                <th>\n                                    <span data-sorting=\"rating\" data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                        Luokitus                                    <\/span>\n                                <\/th>\n                                <th> <span data-sorting=\"manual-data-point-1\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"Pankit\">\n                    Pankit<\/span><\/th><th> <span data-sorting=\"interest-rate-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Korko\">Korko<\/span><\/th>                                <th>T\u00e4yt\u00e4 hakemus                                <\/th>\n                            <\/tr>\n                        <\/thead>\n                        <tbody>\n                            <tr class=\"comparison-table__row\"  data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Sortter\"\n                data-product-id=\"18466\">\n                <span class=\"search-card__featured\">Suosittelemme<\/span>\n                <a   data-url_param_unq=\"\"  data-url_param_pid=\"18466\"  href=\"https:\/\/financer.fi\/yritys\/sortter\/\">\n                    <img decoding=\"async\" title=\"Sortter\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2019\/03\/sortter-logo1.png\" alt=\"Sortter\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.70454545\">\n            <a href=\"https:\/\/financer.fi\/yritys\/sortter\/#read-reviews\"><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.7\">4.7<\/span><\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"22\">\n                        <span class=\"comparison-table__text\">22<\/span><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"4.00\">4.00% &#8211; 19.50%<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/sortter\/\" data-url_param_unq=\"\"  data-url_param_pid=\"18466\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Zmarta\"\n                data-product-id=\"4772\">\n                <span class=\"search-card__featured\">Suosittelemme<\/span>\n                <a   data-url_param_unq=\"\"  data-url_param_pid=\"4772\"  href=\"https:\/\/financer.fi\/yritys\/zmarta\/\">\n                    <img decoding=\"async\" title=\"Zmarta\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2015\/07\/zmartalogo.png\" alt=\"Zmarta\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.24285714\">\n            <a href=\"https:\/\/financer.fi\/yritys\/zmarta\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.2\">4.2<\/span><\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"22\">\n                        <span class=\"comparison-table__text\">22<\/span><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"4.41\">4.41% &#8211; 19.50%<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/zmarta\/\" data-url_param_unq=\"\"  data-url_param_pid=\"4772\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Uno Laina\"\n                data-product-id=\"53850\">\n                \n                <a   data-url_param_unq=\"\"  data-url_param_pid=\"53850\"  href=\"https:\/\/financer.fi\/yritys\/uno-laina\/\">\n                    <img decoding=\"async\" title=\"Uno Laina\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2024\/04\/unolaina-logo.png\" alt=\"Uno Laina\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.00000000\">\n            <a href=\"https:\/\/financer.fi\/yritys\/uno-laina\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4\">4.0<\/span><\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"10\">\n                        <span class=\"comparison-table__text\">10<\/span><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"4.19\">4.19% &#8211; 19.50%<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/uno-laina\/\" data-url_param_unq=\"\"  data-url_param_pid=\"53850\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Etua\"\n                data-product-id=\"14\">\n                <span class=\"search-card__featured\">Suosittelemme<\/span>\n                <a   data-url_param_unq=\"\"  data-url_param_pid=\"14\"  href=\"https:\/\/financer.fi\/yritys\/etua\/\">\n                    <img decoding=\"async\" title=\"Etua\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2015\/03\/etua-logo.png\" alt=\"Etua\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.27678571\">\n            <a href=\"https:\/\/financer.fi\/yritys\/etua\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.3\">4.3<\/span><\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"23\">\n                        <span class=\"comparison-table__text\">23<\/span><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"4.41\">4.41% &#8211; 19.50%<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/etua\/\" data-url_param_unq=\"\"  data-url_param_pid=\"14\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Rahalaitos\"\n                data-product-id=\"3022\">\n                <span class=\"search-card__featured\">Suosittelemme<\/span>\n                <a   data-url_param_unq=\"\"  data-url_param_pid=\"3022\"  href=\"https:\/\/financer.fi\/yritys\/rahalaitos\/\">\n                    <img decoding=\"async\" title=\"Rahalaitos\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2015\/04\/rahalaitos-logo-2.png\" alt=\"Rahalaitos\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.17361111\">\n            <a href=\"https:\/\/financer.fi\/yritys\/rahalaitos\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.2\">4.2<\/span><\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"25\">\n                        <span class=\"comparison-table__text\">25<\/span><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"4.19\">4.19% &#8211; 19.50%<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/rahalaitos\/\" data-url_param_unq=\"\"  data-url_param_pid=\"3022\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Omalaina\"\n                data-product-id=\"3274\">\n                <span class=\"search-card__featured\">Suosittelemme<\/span>\n                <a   data-url_param_unq=\"\"  data-url_param_pid=\"3274\"  href=\"https:\/\/financer.fi\/yritys\/omalaina\/\">\n                    <img decoding=\"async\" title=\"Omalaina\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2015\/04\/omalaina-logo-1.png\" alt=\"Omalaina\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.33482143\">\n            <a href=\"https:\/\/financer.fi\/yritys\/omalaina\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.3\">4.3<\/span><\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"21\">\n                        <span class=\"comparison-table__text\">21<\/span><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"4.19\">4.19% &#8211; 19.50%<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/omalaina\/\" data-url_param_unq=\"\"  data-url_param_pid=\"3274\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Freedom rahoitus\"\n                data-product-id=\"3260\">\n                \n                <a   data-url_param_unq=\"\"  data-url_param_pid=\"3260\"  href=\"https:\/\/financer.fi\/yritys\/freedom-rahoitus\/\">\n                    <img decoding=\"async\" title=\"Freedom rahoitus\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2018\/01\/freedom-rahoitus.png\" alt=\"Freedom rahoitus\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"3.73888889\">\n            <a href=\"https:\/\/financer.fi\/yritys\/freedom-rahoitus\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.7\">3.7<\/span><\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"25\">\n                        <span class=\"comparison-table__text\">25<\/span><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"4.41\">4.41% &#8211; 19.50%<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/freedom-rahoitus\/\" data-url_param_unq=\"\"  data-url_param_pid=\"3260\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Kattokorko\"\n                data-product-id=\"79085\">\n                <span class=\"search-card__featured\">Suosittelemme<\/span>\n                <a   data-url_param_unq=\"\"  data-url_param_pid=\"79085\"  href=\"https:\/\/financer.fi\/yritys\/kattokorko\/\">\n                    <img decoding=\"async\" title=\"Kattokorko\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2024\/07\/kattokorko.png\" alt=\"Kattokorko\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.00000000\">\n            <a href=\"https:\/\/financer.fi\/yritys\/kattokorko\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4\">4.0<\/span><\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"15\">\n                        <span class=\"comparison-table__text\">15<\/span><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"5.00\">5.00% &#8211; 10.00%<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/kattokorko\/\" data-url_param_unq=\"\"  data-url_param_pid=\"79085\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"5\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Axolaina\"\n                data-product-id=\"46965\">\n                \n                <a   data-url_param_unq=\"\"  data-url_param_pid=\"46965\"  href=\"https:\/\/financer.fi\/yritys\/axolaina\/\">\n                    <img decoding=\"async\" title=\"Axolaina\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2023\/08\/axolaina.png\" alt=\"Axolaina\">\n                <\/a><\/td><td data-sorting=\"rating\" data-sorting-value=\"4.15000000\">\n            <a href=\"https:\/\/financer.fi\/yritys\/axolaina\/#read-reviews\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.2\">4.2<\/span><\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"18\">\n                        <span class=\"comparison-table__text\">18<\/span><\/td><td data-sorting=\"interest-rate-range\" data-sorting-value=\"4.00\">4.00% &#8211; 19.50%<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a  \n            href=\"https:\/\/financer.fi\/yritys\/axolaina\/\" data-url_param_unq=\"\"  data-url_param_pid=\"46965\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\"  >\n            Katso lis\u00e4\u00e4<\/a><\/td><\/tr>                        <\/tbody>\n                    <\/table>\n                <\/div>\n            <\/div>\n\n        <\/div>\n\n\n<p><a href=\"https:\/\/financer.fi\/lainaa\/kulutusluotto\/\" data-type=\"page\" data-id=\"2953\">Vertaile vakuudettomat kulutusluotot<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Bluestep_asuntovakuudellinen_laina\">Bluestep asuntovakuudellinen laina<\/h2>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.fi\/yritys\/bluestep\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"720\" height=\"220\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2022\/10\/bluestep.png\" class=\"attachment-full size-full\" alt=\"bluestep-logo\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/3\/2022\/10\/bluestep.png 720w, https:\/\/financer.global\/app\/uploads\/sites\/3\/2022\/10\/bluestep-300x92.png 300w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><\/a><span class=\"items-content__card-chosen\">Valittu <strong>897<\/strong> kertaa<\/span><ul class=\"items-content__card-list\"><li >Asuntolainaa tapauskohtaisella harkinnalla<\/li><li >Asuntovakuudellista lainaa hankintoihin<\/li><li >Yhdist\u00e4 kalliit kulutusluotot<\/li><li >Taloudellisen tilanteesi henkil\u00f6kohtainen arviointi<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lainaa alkaen<\/span><span class=\"items-content__card-datapoint-value\">30000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lainasumma enint\u00e4\u00e4n<\/span><span class=\"items-content__card-datapoint-value\">1000000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Korko alkaen<\/span><span class=\"items-content__card-datapoint-value\">8.05<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Korko enint\u00e4\u00e4n<\/span><span class=\"items-content__card-datapoint-value\">12.60<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Laina-aika alkaen<\/span><span class=\"items-content__card-datapoint-value\">10 Vuotta<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Laina-aika enint\u00e4\u00e4n<\/span><span class=\"items-content__card-datapoint-value\">20 Vuotta<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Maksuh\u00e4iri\u00f6merkinn\u00e4t<\/span><span class=\"items-content__card-datapoint-value\">Kyll\u00e4. <\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.fi\/yritys\/bluestep\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"38164\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">N\u00e4yt\u00e4 tarjous<\/a><a href=\"https:\/\/financer.fi\/yritys\/bluestep\/\"  class=\"button is-rounded items-content__card-more-info\">Lis\u00e4tietoa<\/a><a href=\"https:\/\/financer.fi\/yritys\/bluestep\/#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><span class=\"items-content__card-reviews\">Lue&nbsp;<a href=\"https:\/\/financer.fi\/yritys\/bluestep\/#read-reviews\">3<\/strong>&nbsp;arvostelua<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n<p><strong><a href=\"https:\/\/financer.fi\/yritys\/bluestep\/\">Bluestep Bank<\/a><\/strong> on ruotsalainen moderni asuntolainapankki, jonka tarkoituksena on palvella kaikkia tasavertaisesti ja ratkaisukeskeisesti.<\/p>\n\n\n\n<p>Siin\u00e4 miss\u00e4 perinteiset pankit k\u00e4ytt\u00e4v\u00e4t automatisoitua p\u00e4\u00e4t\u00f6ksentekoa ja hylk\u00e4\u00e4v\u00e4t monet hakemukset suoraan, <strong>k\u00e4sitell\u00e4\u00e4n kaikki hakemukset Bluestepilla yksil\u00f6llisesti.<\/strong><\/p>\n\n\n\n<p>Bluestep tarjoaa asuntovakuudellista lainaa jopa 85 prosenttia asuntosi arvosta.<\/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=\"Knteist_asuntolainaa_markkinoidaan_lhinn_ikntyville_ikluokille\">K\u00e4\u00e4nteist\u00e4 asuntolainaa markkinoidaan l\u00e4hinn\u00e4 ik\u00e4\u00e4ntyville ik\u00e4luokille<\/h2>\n\n\n\n<p>K\u00e4\u00e4nteist\u00e4 asuntolainaa tarjotaan l\u00e4hinn\u00e4 ik\u00e4\u00e4ntyville henkil\u00f6ille, jolloin asuntolainat on jo kokonaan maksettu ja kertynytt\u00e4 asuntovarallisuutta halutaan hy\u00f6dynt\u00e4\u00e4.<\/p>\n\n\n\n<p><a href=\"http:\/\/www.iltasanomat.fi\/taloussanomat\/oma-raha\/art-2000001789285.html\">Taloussanomien<\/a> tekem\u00e4st\u00e4 haastattelusta selvi\u00e4\u00e4, ett\u00e4 k\u00e4\u00e4nteisten asuntolainojen kysynt\u00e4 on toistaiseksi ollut Suomessa varsin pient\u00e4. <\/p>\n\n\n\n<p>K\u00e4\u00e4nteisten lainojen myynti\u00e4 on ehk\u00e4 rajoittanut lainan saamisen hitaus. Neuvottelut pankin kanssa k\u00e4\u00e4nteisen asuntolainan ehdoista ja vakuudeksi kelpaavasta asunnosta voivat kest\u00e4\u00e4 jopa kuukausia.<\/p>\n\n\n\n<p>Moni pankki, esimerkiksi <a href=\"https:\/\/financer.fi\/yritys\/hypo\/\">Hypo<\/a>, hyv\u00e4ksyv\u00e4t k\u00e4\u00e4nteisen asuntolainan vakuudeksi ainoastaan p\u00e4\u00e4kaupunkiseudulla ja muissa suuremmissa kaupungeissa sijaitsevia hyv\u00e4kuntoisia asuntoja.<\/p>\n\n\n\n<p>K\u00e4\u00e4nteist\u00e4 asuntolainaa vaikeampi saada varsinkin syrj\u00e4seudulla tai vanhoja omakotitaloja vastaan, jolloin asunnon arvon mittaaminen on paljon vaikeampaa.<\/p>\n\n\n\n<p><a href=\"https:\/\/financer.fi\/lainaa\/laina-elakelaiselle\/\">Lue tarkemmin el\u00e4kel\u00e4iselle my\u00f6nnett\u00e4vist\u00e4 lainoista.<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Knteinen_asuntolaina_ja_perint\">K\u00e4\u00e4nteinen asuntolaina ja perint\u00f6?<\/h3>\n\n\n\n<p>K\u00e4\u00e4nteist\u00e4 asuntolainaa hakevat yleens\u00e4 el\u00e4kel\u00e4iset ja ik\u00e4\u00e4ntyv\u00e4t henkil\u00f6t, joten perint\u00f6 on ajankohtainen kysymys lainaa haettaessa.<\/p>\n\n\n\n<p>Sy\u00f6k\u00f6 k\u00e4\u00e4nteinen asuntolaina lastemme perinn\u00f6n? Lyhyt vastaus on:<\/p>\n\n\n\n<p><strong>K\u00e4\u00e4nteinen asuntolaina j\u00e4\u00e4 j\u00e4lkipolvien maksettavaksi<\/strong>.<\/p>\n\n\n\n<p>Suomessa velka ei vanhene kuoleman my\u00f6t\u00e4, joten velka katetaan kuolinpes\u00e4n varoilla ennen perinn\u00f6njakoa. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Mit_tapahtuu_jos_velallinen_kuolee\">Mit\u00e4 tapahtuu, jos velallinen kuolee?<\/h3>\n\n\n\n<p>Jos velallinen kuolee ennen lainan takaisinmaksua, k\u00e4\u00e4nteinen laina j\u00e4\u00e4 kuolinpes\u00e4n maksettavaksi. <\/p>\n\n\n\n<p>Laina maksetaan yleens\u00e4 pois asunnon myyntituloista, mutta lainan voi toki maksaa pois my\u00f6s muulla tavoin, jos j\u00e4lkipolvet haluavat s\u00e4ilytt\u00e4\u00e4 asunnon omistuksessaan.<\/p>\n\n\n\n<p>Vainajan velka pienent\u00e4\u00e4 aina kuolinpes\u00e4n jaettavia varoja eli perillisten saaman perinn\u00f6n m\u00e4\u00e4r\u00e4\u00e4, sill\u00e4 velka tulee maksaa pois ennen kuin perint\u00f6\u00e4 voidaan jakaa.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Voiko_asunnossa_el_laina_aikaa_pidempn\">Voiko asunnossa el\u00e4\u00e4 laina-aikaa pidemp\u00e4\u00e4n?<\/h3>\n\n\n\n<p>Pankit voivat pident\u00e4\u00e4 laina-aikaa niin pitk\u00e4\u00e4n kuin velallinen haluaa asunnossa asua, jos vakuudet riitt\u00e4v\u00e4t.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Voiko_asunnon_myyd_tai_vuokrata_laina_aikana\">Voiko asunnon myyd\u00e4 tai vuokrata laina-aikana?<\/h3>\n\n\n\n<p>Kyll\u00e4 voi. Jos esimerkiksi velallinen muuttaa palvelutaloon tai joutuu pitk\u00e4aikaisesti sairaalaan, asunnon voi myyd\u00e4 tai vuokrata laina-aikana.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Kannattaako_knteist_asuntolainaa_ottaa\">Kannattaako k\u00e4\u00e4nteist\u00e4 asuntolainaa ottaa?<\/h2>\n\n\n\n<p>K\u00e4\u00e4nteinen asuntolaina voi nopeasti vilkaistuna vaikuttaa sekavalta ratkaisulta, ja muutenkin lainan ottaminen voi tuntua isolta taakalta viel\u00e4 el\u00e4kep\u00e4ivill\u00e4.<\/p>\n\n\n\n<p>Moni varmasti miettii my\u00f6s lainan takaisinmaksua, sill\u00e4 lainasumma maksetaan yleens\u00e4 pois yhdess\u00e4 er\u00e4ss\u00e4. T\u00e4ll\u00f6in laina t\u00e4ytyy maksaa pois joko s\u00e4\u00e4st\u00f6ill\u00e4, asunnon myyntituloilla tai laina j\u00e4\u00e4 j\u00e4lkipolvien mietitt\u00e4v\u00e4ksi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Knteinen_asuntolaina_on_yleens_kulutusluottoa_edullisempi_suuriin_hankintoihin\">K\u00e4\u00e4nteinen asuntolaina on yleens\u00e4 kulutusluottoa edullisempi suuriin hankintoihin<\/h3>\n\n\n\n<p>K\u00e4\u00e4nteinen asuntolaina on hyv\u00e4 keino hy\u00f6dynt\u00e4\u00e4 kertynytt\u00e4 asuntovarallisuutta ilman asunnon myymist\u00e4. <\/p>\n\n\n\n<p>Se voi olla hyv\u00e4 vaihtoehto esimerkiksi remontin tekemiseen, uuden asunnon ostoon tai vaikkapa l\u00e4\u00e4k\u00e4rikulujen kattamiseen.<\/p>\n\n\n\n<p>K\u00e4\u00e4nteisest\u00e4 asuntolainasta on aina hyv\u00e4 k\u00e4yd\u00e4 juttelemassa oman pankin virkailijan kanssa ja selvitt\u00e4\u00e4 oman asunnon sopivuutta k\u00e4\u00e4nteisen lainan vakuudeksi.<\/p>\n\n\n\n<p>K\u00e4\u00e4nteinen asuntolaina on vakuudellista lainaa, joka on l\u00e4ht\u00f6kohtaisesti aina edullisempaa kuin vakuudeton kulutusluotto. <\/p>\n\n\n\n<p><strong>Mik\u00e4li harkitset suuren kulutusluoton hakemista, kannattaa kartoittaa mahdollisuus k\u00e4\u00e4nteisen asuntolainan hakemiseen.<\/strong><\/p>\n\n\n\n<p>Pieniss\u00e4 hankinnoissa ja lyhytaikaisessa tarpeessa <a href=\"https:\/\/financer.fi\/lainaa\/ilman-vakuuksia\/\"><strong>vakuudettoman lainan<\/strong><\/a> tai <strong><a href=\"https:\/\/financer.fi\/luottokortti\/\">luottokortin<\/a><\/strong> k\u00e4ytt\u00e4minen on kuitenkin nopeampaa kuin k\u00e4\u00e4nteisen asuntolainan hakeminen. <\/p>\n\n\n\n<p>Ennen lainan hakemista kannattaa my\u00f6s mietti\u00e4 vaihtoehdoksi tavallista <a href=\"https:\/\/financer.fi\/lainaa\/kulutusluotto\/\">kulutusluottoa<\/a>.<\/p>\n","protected":false},"author":15,"featured_media":80258,"comment_status":"open","ping_status":"closed","template":"","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],"_links":{"self":[{"href":"https:\/\/financer.fi\/wp-json\/wp\/v2\/wiki\/10516"}],"collection":[{"href":"https:\/\/financer.fi\/wp-json\/wp\/v2\/wiki"}],"about":[{"href":"https:\/\/financer.fi\/wp-json\/wp\/v2\/types\/wiki"}],"author":[{"embeddable":true,"href":"https:\/\/financer.fi\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.fi\/wp-json\/wp\/v2\/comments?post=10516"}],"version-history":[{"count":46,"href":"https:\/\/financer.fi\/wp-json\/wp\/v2\/wiki\/10516\/revisions"}],"predecessor-version":[{"id":78372,"href":"https:\/\/financer.fi\/wp-json\/wp\/v2\/wiki\/10516\/revisions\/78372"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.fi\/wp-json\/wp\/v2\/media\/80258"}],"wp:attachment":[{"href":"https:\/\/financer.fi\/wp-json\/wp\/v2\/media?parent=10516"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.fi\/wp-json\/wp\/v2\/categories?post=10516"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}