Danske Bank’s housing loan benefits for members of the Union of Professional Engineers in Finland

Receive housing loan benefits and save money!

As a member of the Union of Professional Engineers in Finland you can receive a housing loan more affordably. Apply for a new loan or simply compare your current loan – Danske Bank can transfer your loan from your former bank to Danske Bank on your behalf. You can also utilise your benefits for your current loans with Danske Bank.

Access your benefits!

Contact Danske Bank for more information about your benefits:

0200 25880, Mon-Fri 8am-8pm

Your membership benefits

  • Lower margins
  • No delivery or handling fees
  • Instalment-free periods without fees
  • Stepped payment programme
  • More affordable daily banking services

Housing loans are always cheaper if you are a member  

You automatically receive a discount on the margin of your housing loan. As a member of the union, your housing loan will be cheaper than if you were not a member.*

Housing loans without fees – save at least 300 euros

You will not be charged delivery or handling fees on your housing loan. These usually amount to 0.60% of the loan capital and at least 300 euros.

Up to 50% off daily banking services

You can receive a 25–50% discount on the monthly fee for your daily banking package as long as you are paying your housing loan.** Your daily banking package includes two accounts, two cards and bank identifiers, for example.

Instalment-free periods without fees – save 180 euros each time

You can apply for instalment-free periods of 4 to 12 months without delivery fees***, saving you at least 180 euros for each period. You can use these instalment-free periods however you like whenever you need more financial flexibility, for example to spend time with your family, to improve your skills through further education, or simply to save up for an important purchase.

Pick a payment programme that suits your lifestyle

You can choose when you want to begin reducing your loan. In this way you will have more money at the start to furnish your apartment, pay for your new lifestyle or simply save up for the future. You can set fixed instalment levels that increase incrementally for the first five years of your loan.

Example of how you can benefit from stepped instalment levels:

  1. Monthly instalments for first two years: €500
  2. Monthly instalments for third year: €750
  3. Monthly instalments for remaining loan period: €1000

Up to 2-3 instalment levels can be used. The monthly payments must be fixed equal instalments. An approved credit decision is always required before a loan can be granted.

Sound interesting?

You can request a loan offer from the comfort of your sofa. Danske Bank can also transfer your current loan to Danske Bank. Apply for a loan! (Link: )

Are you a recent graduate?

Become a customer of Danske Bank and enjoy extra benefits. Find out more! (Link to website of Akava affiliate)

 

* Minimum margins are taken into account when pricing loans. In our loan offer you can see the price both as a member of an Akava affiliate and without membership. This benefit does not apply to loans for investment apartments.

** This benefit does not apply to the Danske Youth or Dansek Student benefit packages.

*** An approved credit decision is required for instalment-free periods.

If the customer takes out a 170,000-euro loan for a period of 20 years and the reference rate is the 12-month Euribor rate, the total interest rate on the loan would be 1.25% (the effective annual interest rate calculated in accordance with the Consumer Protection Act would be 1.29%). The total amount of the credit and other credit costs would be 193 204.74 euros, which includes an automatic account debit fee of 2.70 euros/instalment. The total number of payments during the loan period would be 240. (Information valid as of 1 January 2018). Minimum margins are taken into account when pricing loans.