| Itemisation | Price |
|---|---|
| Arrangement fee * |
|
| Arrangement fee, Check-in Customer * |
|
Increased arrangement fee when a loan is secured by a third-party pledge or a guarantee
| |
| Partial drawdown | |
| Automatic debiting of a loan payment / per withdraw | |
| FlexiPayment for a housing loan. Including in FlexiPayment to an existing housing loan always requires automatic debiting of loan payments, which is subject to a fee in accordance with the bank's tariff. | |
| Advance notice of loan debiting by letter or through Netbank | |
| Loan payment, paper invoice, from 1.9.2019 4,10€ | |
| Payment reminder to borrower, guarantor or third-party pledger (per reminder) | |
Change in repayment schedule |
|
| Change of the due date or loan servicing account (Minor change of the repayment schedule) | |
| Change of debtor or one of the debtors assumes liability for the loan alone** | |
| Change of the applied interest or margin | |
| Obtaining a guarantor’s or pledge owner’s consent to amend the loan terms, such as the repayment schedule or reference rate | |
| Transfer of a loan to another bank upon customer’s request. Charged to the receiving bank** | |
| When a credit document is sent to another bank for getting a guarantee or a signature, the debtor is charged, per sending. Does not apply to loans intermediated from government funds. | |
| Certificates requested by the customer stating the amount of debt and paid interest (incl. postage) | |
| Charges related to unsecured housing loans drawn down after 1 September 2019
| |
| Payment reminder to borrower, guarantor or third-party pledger (per reminder) | |
| Transfer of a loan to another bank upon customer’s request. Charged to the receiving bank** | |
| Certificates requested by the customer stating the amount of debt and paid interest (incl. postage) | |
| *) Arrangement fee is charged in connection with the first drawdown and with a raise or renewal of a loan.
| |
| **) Does not apply to loans intermediated from government funds.
|
Consumers are not granted loans in any other currency than euro.
A housing loan is considered to be currency credit if the loan is granted in a foreign currency other than that of the EU Members State or the state of belonging to the European Economic Area where the consumer resides. Furthermore, a housing loan is considered to be foreign currency credit if the consumer receives his or her income in another currency of a state of the European Economic Area or in currency of a state of European Economic Area.
A foreign exchange risk occurs when the borrower's income or assets to be used to repay the credit are not in the same currency as the credit or the credit is not in the currency of borrower's country of residence. A foreign exchange risk refers to the change in price of one currency in relation to another. During the loan period, the value of the credit or the monthly payment may increase in relation to the borrower's income or assets or the currency of the borrower's country of residence.
If the foreign currency of the borrower's country of residence, income or assets falls by 20 per cent in relation to the euro, the borrower receives a warning that the borrower's loan amount will increase in borrower's national currency.
Fill in your housing loan application and send us your salary certificate from the past three months via Nordea Omaposti.
If you are not a Nordea customer, we need to have your salary certificate from the past three months. If you are applying for a loan together with your spouse, for example, we need to have salary certificates, account transactions and loan details from both applicants. You can get the salary certificate from your employer.
After you have submitted your housing loan application, you can send us your salary certificates/other documents by logging in to Nordean Omaposti with your bank’s online banking codes. In OmaPosti, choose ‘Loans’ as the recipient of the message and write ‘Housing loan application/salary certificate’ in the subject field. Add documents from your computer as attachments to the message.
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