How Much Can I Borrow in Finland?
Enter your net income, your savings and the interest rate you expect to see roughly how much mortgage you can get, the maximum price of the home and whether your income or your savings limit the purchase.
General values (Finland). They don't account for regional rules or other costs that may apply. Check them with your lender or advisor.
More options
Enter your income, savings, interest rate and term.
A rough estimate with a fixed payment. Lenders will also look at your other debts and job stability.
Work out the mortgage for this home →Results are estimates. Solvemis accepts no responsibility for the results obtained or for how they are used. Always double-check the result and talk to a qualified professional before making decisions.
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How it works
How to use it
- Enter your net income per month and the savings you have available.
- Add the interest rate you expect and the loan term.
- Check the percentages for Finland and change them if needed.
- See the maximum price, the breakdown and which limit decides.
How it is calculated
Two prices are calculated, and the lower one decides. By income: the loan whose monthly payment is the chosen share of income, plus savings, minus buying costs. By savings: the price at which your savings exactly cover the part that is not financed and the costs. The percentages are indicative values for Finland. A second applicant's income is added to yours; other debt payments count the way the country's rule counts them.
Sources
- Asuntolainan omarahoitusosuus ja lainakatto — Nordea
- Varainsiirtovero — Finnish Taxpayers' Association
- Paljonko lainaa voi saada? — Taloustaito
About this calculator
How it is calculated
Buying a home has two limits at once. The first is the monthly payment, which has to fit your budget. The second is savings: with the loan cap at 95%, you pay at least 5% of the price yourself, plus the buying costs. The calculator works out the price each limit allows and shows the lower one.
What banks in Finland look at
Banks calculate your ability to pay at a clearly higher interest rate than today’s and look at all your debts. That is why 30% of net income is only an indicative value.
Buying costs in Finland
Transfer tax is 1.5% on housing company shares and 3% on real estate. Since 2024 there is no longer a tax exemption for first-time buyers. The 1.5% filled in is a general value: check it with your bank or adviser.
Frequently asked questions
What decides how expensive a home I can buy?
Two things at once: your income sets the largest monthly payment, and your savings have to cover your own contribution and the buying costs. The calculator compares both limits and shows which one decides.
Why are the buying costs not part of the loan?
Transfer tax and other costs are usually paid with your own money, on top of your own contribution.
Net or gross income?
Net income per month is used here. The bank makes its own affordability calculation. If you are buying together, add your incomes.
What if we buy as a couple, or I already pay other loans?
Under «More options» you can add the second applicant's income, which is added to yours, and what you already pay each month for other loans, cards or leasing. In Finland, the share of income covers all your debts, so those payments come off what is left for the mortgage.
Updated 14 October 2026
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