Tulevaisuuslaina
A loan for individuals buying an electric car or improving a residential property’s energy efficiency, with lower pricing and less collateral than a comparable ordinary loan.
Această oportunitate este disponibilă momentan în limba engleză.
You can finance an electric car, energy-efficiency renovations to a residential property or a change to more environmentally friendly heating. POP Pankki offers Tulevaisuuslaina at a lower price than a comparable ordinary loan and with less collateral; in some cases no collateral is needed.
You borrow money from the bank and repay it with interest and applicable charges. Under the bank’s general private-borrower terms, variable interest consists of a reference rate plus the bank’s added margin; fixed interest stays unchanged for the agreed period. These general terms apply unless your loan agreement or an annex agrees otherwise.
You may repay all or part of the loan early by notifying the bank. Costs relating to the unused loan period are deducted, but the bank may retain the agreement’s actual loan setup costs and charge collateral-arrangement costs. For a fixed-rate loan other than a loan to buy or retain ownership of a home, early-repayment compensation is capped at 1% of the amount repaid, or 0.5% when less than a year remains, and cannot exceed the interest for the remaining period. That compensation does not apply if early repayments in the past year total no more than €10,000 or repayment is made under loan-protection insurance.
The general terms give you 14 days to cancel after you receive a lasting copy of the agreement and terms, plus the advance information for a remotely concluded agreement. You must return the money and interest without delay and within 30 days of sending the cancellation notice, or cancellation lapses. The bank charges interest for the time the money was available; for a remotely concluded agreement it may charge the annual percentage rate for that period. The annual percentage rate expresses the loan’s interest and other costs as an annual percentage of the amount borrowed, taking repayments into account.
Eligibility
The offer is for private borrowers financing an electric car or residential energy improvements. The bank checks with you whether the planned investment meets Tulevaisuuslaina’s conditions, and uses personal credit information when granting the loan. You can submit an application without being an existing POP Pankki customer.
How to apply
- Statut
- Deschis continuu
- Condițiile sesiunii de finanțare
- The bank assesses the investment and the loan application.[^c2][^c8]
Apply through POP Pankki’s online loan form and write “Tulevaisuuslaina” in the additional-information field. You do not need bank login credentials to complete the form. The bank will contact you after submission and assess the investment with you.
Before you can receive the money, you must sign the loan agreement, the bank must receive any agreed collateral and signed collateral documents, and any other payout conditions must be met. Under the general terms, draw the loan within three months of signing unless you agree otherwise with the bank. The bank may refuse payout if grounds for calling in the debt exist, you have applied to a court for debt adjustment or business restructuring, or you receive a payment-default record after approval.