{"id":113636,"date":"2025-12-11T13:19:08","date_gmt":"2025-12-11T13:19:08","guid":{"rendered":"https:\/\/www.europesays.com\/fi\/113636\/"},"modified":"2025-12-11T13:19:08","modified_gmt":"2025-12-11T13:19:08","slug":"asuntolainoihin-tulossa-muutos-ilta-sanomat","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/fi\/113636\/","title":{"rendered":"Asuntolainoihin tulossa muutos &#8211; Ilta-Sanomat"},"content":{"rendered":"<p>Laina-ajan pidennys tarkoittaisi pienempi\u00e4 kuukausieri\u00e4, mutta my\u00f6s kasvavia korkomenoja.<\/p>\n<p class=\"article-body mb-nof-24 px-nof-16\">Asuntolainan ottajille on pian mahdollista saada lainaa aiempaa l\u00f6yhemmin ehdoin. Hallitus esitt\u00e4\u00e4, ett\u00e4 uusien asuntolainojen lainakatto nostettaisiin muille kuin ensiasunnon ostajille nykyisest\u00e4 90 prosentista 95 prosenttiin.<\/p>\n<p class=\"article-body mb-nof-24 px-nof-16\">Toisin sanoen omaa rahoitusta pit\u00e4isi tulevaisuudessa olla en\u00e4\u00e4 5 prosenttia 10 prosentin sijaan.<\/p>\n<p class=\"article-body mb-nof-24 px-nof-16\">Ensiasunnon ostajilla lainakatto on ennest\u00e4\u00e4n 95 prosenttia.<\/p>\n<p class=\"article-body mb-nof-24 px-nof-16\">Hallitus esitt\u00e4\u00e4 my\u00f6s enimm\u00e4islaina-ajan pident\u00e4mist\u00e4 nykyisest\u00e4 30 vuodesta 35 vuoteen.<\/p>\n<p class=\"article-body mb-nof-24 px-nof-16\">Muutokset ovat tulossa voimaan huhtikuun alussa.<\/p>\n<p class=\"article-body mb-nof-24 px-nof-16\">Lakiesityksess\u00e4 esitetyn esimerkkilaskelman mukaan 200\u202f000 euron laina 30 vuoden laina-ajalla ja 3 prosentin korolla tarkoittaisi 843 euron kuukausier\u00e4\u00e4. Takaisin maksettava lainam\u00e4\u00e4r\u00e4 olisi 303\u202f555 euroa.<\/p>\n<p class=\"article-body mb-nof-24 px-nof-16\">Jos taas laina-aika samalle lainalle olisi 35 vuotta, kuukausier\u00e4 olisi 770 euroa ja lainan kokonaism\u00e4\u00e4r\u00e4 323\u202f274 euroa.<\/p>\n<p class=\"article-body mb-nof-24 px-nof-16\">Viiden vuoden pidennys laina-aikaan tarkoittaisi kotitaloudelle l\u00e4hes 20\u202f000 euroa enemm\u00e4n korkomenoja.<\/p>\n","protected":false},"excerpt":{"rendered":"Laina-ajan pidennys tarkoittaisi pienempi\u00e4 kuukausieri\u00e4, mutta my\u00f6s kasvavia korkomenoja. Asuntolainan ottajille on pian mahdollista saada lainaa aiempaa l\u00f6yhemmin&hellip;\n","protected":false},"author":2,"featured_media":113637,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[22,23,26,27,33,31,30,17,34,24,25,28,29,15,18,21,32,19,20,16],"class_list":{"0":"post-113636","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-otsikot","8":"tag-breaking-news","9":"tag-breakingnews","10":"tag-featured-news","11":"tag-featurednews","12":"tag-fi","13":"tag-finland","14":"tag-finnish","15":"tag-headlines","16":"tag-ilta-sanomat","17":"tag-latest-news","18":"tag-latestnews","19":"tag-main-news","20":"tag-mainnews","21":"tag-news","22":"tag-otsikot","23":"tag-paauutiset","24":"tag-suomi","25":"tag-top-stories","26":"tag-topstories","27":"tag-uutiset"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@fi\/115701138308798215","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/fi\/wp-json\/wp\/v2\/posts\/113636","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/fi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/fi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/fi\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/fi\/wp-json\/wp\/v2\/comments?post=113636"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/fi\/wp-json\/wp\/v2\/posts\/113636\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/fi\/wp-json\/wp\/v2\/media\/113637"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/fi\/wp-json\/wp\/v2\/media?parent=113636"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/fi\/wp-json\/wp\/v2\/categories?post=113636"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/fi\/wp-json\/wp\/v2\/tags?post=113636"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}