How much can you borrow in Finland?
Your budget is set by two limits: your own money (the loan cap) and whether your repayment capacity survives a 6 % calculation rate. Here is the price you can reach.
highest price
Combined, after tax
How we calculate
The price you can reach is set by two limits. The first is the loan cap: the bank lends at most 95 % of the price, so your own money must cover the rest. Finanssivalvonta raised the cap from 90 % to 95 % from 1 July 2026 and can lower it again. The second is repayment capacity.
The bank tests at 6 % interest
The bank checks whether you can handle the loan at about a 6 % calculation rate over 25 years, and servicing may not take more than 60 % of net income. That limit often binds before your own money, especially at lower incomes.
First home and ASP help
A first-home buyer can use an ASP account, whose free state guarantee reaches 90 % of the purchase price. Get loan pre-approval before bidding, and work out the monthly cost at the price you actually aim for.
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