• Loss prevention
• Home loans to consumers

	1. Who can get a home loan?
	2. Repayment capacity
	3. Credit information
	5. Interest rate and reference interest rate, fixed or floating
	6. Repayment plan and repayment options
	7. Expenses, real annual rate of interest
	8. Risks
	9. Repayment protection
	10. Avoiding overindebtedness
	11. Home loan as part of financial management
	12. Saving and investment
	13. Advisory Office for Bank Customers
	4. Collateral

• SEPA consequences for consumers
• The Finnish Insurance Ombudsman Bureau
• Insurance

Home loans to consumers

Contents

1. Who can get a home loan
2. Repayment capacity
3. Credit information
4. Collateral
5. Interest rate and reference interest rate, fixed or floating
6. Repayment plan and repayment options
7. Expenses, real annual rate of interest
8. Risks
9. Repayment protection
10. Avoiding overindebtedness
11. Home loan as part of financial management
12. Saving and investing
13. Advisory Office for Bank Customers