Receive housing loan benefits and save money!
As a member of the Finnish Business School Graduates you can receive a housing loan more affordably. Apply for a new loan or simply compare your current loan – we 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 us for more information about your benefits:
0200 25880, Mon-Fri 8am-8pm
You automatically receive a discount on the margin of your housing loan. As a member of an Akava affiliate, your housing loan will be cheaper than if you were not a member*.
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.
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.
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.
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:
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
You can request a loan offer from the comfort of your sofa. We can also transfer your current loan to Danske Bank. As our customer you can also receive considerable discounts on insurance from Fennia. Apply for a loan!
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.
** An approved credit decision is required for instalment-free periods.
If a customer takes a loan of EUR 170,000, the loan period would be 20 years and the 12-month Euribor rate would be the reference rate for the loan, with a total interest rate of 1.25% (1.29% of the actual annual rate calculated under the Consumer Protection Act). The total amount of credit and other credit costs amounted to EUR 193,204.74, including the automatic charge EUR 2.70 / payment, the number of instalments was 240. (Information on January 8, 2018). When pricing is applied, the minimum margins are taken into account.
As our member, you may apply for Danske Bank’s premium loan Etulaina. Etulaina is offered to our members on special terms and it can be easily applied for online. This offer is valid for any bank’s customers and does not require any further commitments.
Depending on your financial capacity, you may apply for a loan of up to 10,000 euros (20,000 euros if two persons apply) without an opening fee and with a competitive interest rate (Euribor 12 months + 4.9–7.9% points). A savings account for servicing the loan and the respective online banking identification codes are free of charge.
Use your benefits