Danske Bank’s housing loan benefits for members of the Finnish Business School Graduates

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

Our benefits for members of Akava affiliates

  • 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 an Akava affiliate, 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. 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!

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.
** 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.

Danske Bank’s Layoff loan

As its name suggests, the Layoff loan is intended for Danske Bank customers for are temporarily suffering financially as a result of the coronavirus crisis and who are members of an Akava affiliate union. The loan, which may range from €2,000 to €15,000, is unsecured and the interest margin is 2.9% (normally 4.9-7.9%)*. The offer will continue on a temporary basis until the end of 2020.

Danske Bank’s Layoff loan

  • Danske Bank’s benefit loan for members of Akava affiliates temporarily suffering financially from the coronavirus crisis who are existing customers of Danske Bank
  • Amount of loan €2,000–€15,000
  • Margin 2.90% (normally 4.9–7.9%)
  • Reference rate 12 mth Euribor 
  • No origination fee
  • Invoicing fee €2.50 (norm. €4.50)
  • Loan period 1–5 years
  • The offer continues temporarily until the end of 2020
  • For more information go to danskebank.fi/etulaina