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Finland Published Loan Rates
Mostly variable-rate housing loans with long terms.
EUR Active Currency
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Lowest Published APR
3.55%
Best rate benchmark currently on record
Market Average APR
5.17%
Mean across tracked lending products
Available Products
2 Benchmarks
Fixed, variable & personal credit
Statutory System
Asuntolaina with Euribor benchmark reference
Verified statutory framework
Finland Rate Directory
Click Calculate on any rate to open our loan calculator pre-filled with these exact parameters.
| Lender / Benchmark | Category | Term | Rate (APR) | Type | Effective Date | Calculate |
|---|---|---|---|---|---|---|
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Finland 12M Euribor Asuntolaina Keskiarvo
|
🏠 Mortgage | 25 Years (300 mo) | 3.55% | variable | Active Benchmark | Calculate → |
|
Finland Joustoluotto / Kulutusluotto
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👤 Personal Loan | 5 Years (60 mo) | 6.80% | fixed | Active Benchmark | Calculate → |
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Finland Underwriting Guidelines
Statutory Borrowing Rule
FIN-FSA loan cap: 90% max LTV (95% for first-time buyers via ASP scheme)
Mortgage System
Asuntolaina with Euribor benchmark reference
Default Insurance / Guarantee
Standard lender risk provisions apply.
Regulatory Reference