{"id":14769,"date":"2022-01-26T10:56:38","date_gmt":"2022-01-26T08:56:38","guid":{"rendered":"https:\/\/www.smartfinans.fi\/?page_id=14769"},"modified":"2024-03-19T22:41:19","modified_gmt":"2024-03-19T20:41:19","slug":"kilpailuta","status":"publish","type":"page","link":"https:\/\/www.smartfinans.fi\/","title":{"rendered":"Kilpailuta Lainatarjous Maksutta"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"14769\" class=\"elementor elementor-14769\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-71ab1435 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"71ab1435\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-16f60d90 animated-fast\" data-id=\"16f60d90\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-61a6f3e1 elementor-widget elementor-widget-heading\" data-id=\"61a6f3e1\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kilpailuta laina ilmaiseksi<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1be89786 elementor-reverse-mobile elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"1be89786\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-26d67faa\" data-id=\"26d67faa\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-81f499d elementor-widget elementor-widget-heading\" data-id=\"81f499d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Lainaa mahdollisimman mataalalla korolla.<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed87ab6 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ed87ab6\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Hakemuksen tekeminen kest\u00e4\u00e4 2 minuuttia<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Palvelumme <b>kotimainen<\/b> ja <b>maksuton<\/b><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Voit hakea lainaa jopa 60 000 euroa<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3242240 elementor-widget elementor-widget-text-editor\" data-id=\"3242240\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>SmartFinans toimii apunasi lainanhaussa eri pankeilta ja rahoitusyhti\u00f6ilt\u00e4. T\u00e4yt\u00e4 ilmainen hakemus ja voit s\u00e4\u00e4st\u00e4\u00e4 tuhansia euroja rahaa koroissa ja kuluissa. Kaikki vertailussa mukana olevat pankit ja rahoitusyhti\u00f6t ovat tunnettuja ja vakavaraisia lainanmy\u00f6nt\u00e4ji\u00e4 ja heill\u00e4 on Suomen Finanssivalvonnan hyv\u00e4ksynt\u00e4.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c8304e elementor-widget elementor-widget-heading\" data-id=\"7c8304e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Saat kauttamme tarjouksen kun<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b05fd7d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"b05fd7d\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Olet yli 20 vuotias<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Ei maksuh\u00e4iri\u00f6it\u00e4 (aktiivisia)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">S\u00e4\u00e4nn\u00f6lliset tulot (palkka tai el\u00e4ke)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cfcb0e3 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"cfcb0e3\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chart-bar\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Olemme auttaneet yli 100 000 suomalaista oikean lainan l\u00f6yt\u00e4misess\u00e4.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4c08bdee\" data-id=\"4c08bdee\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0126d4d elementor-widget elementor-widget-shortcode\" data-id=\"0126d4d\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\"><link rel=\"stylesheet\" href=\"\/lab\/styles.css\">\r\n    <link rel=\"stylesheet\" href=\"https:\/\/stackpath.bootstrapcdn.com\/bootstrap\/4.5.0\/css\/bootstrap.min.css\">\r\n    <meta charset=\"UTF-8\">\r\n<body>\r\n\r\n    <form id=\"loanForm\" class=\"needs-validation\" novalidate>\r\n        <div class=\"form-group\">\r\n            <label for=\"loan_amount\">Lainasumma: <span id=\"loan_amount_value\"><\/span><\/label>\r\n            <div class=\"slider-container\">\r\n                <input type=\"range\" class=\"form-control-range\" id=\"loan_amount\" name=\"loan_amount\" min=\"500\" max=\"60000\"\r\n                    step=\"500\" value=\"20000\">\r\n                <div class=\"min-max\">\r\n                    <span class=\"min\">500 \u20ac<\/span>\r\n                    <span class=\"max\">60 000 \u20ac<\/span>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n        <div class=\"form-group\">\r\n            <label for=\"loan_period\">Maksuaika: <span id=\"loan_period_value\"><\/span><\/label>\r\n            <div class=\"slider-container\">\r\n                <input type=\"range\" class=\"form-control-range\" id=\"loan_period\" name=\"loan_period\" min=\"1\" max=\"15\"\r\n                    step=\"1\" value=\"9\">\r\n                <div class=\"min-max\">\r\n                    <span class=\"min\">1 vuosi<\/span>\r\n                    <span class=\"max\">15 vuotta<\/span>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n        <div id=\"loan_result\" class=\"text-center\"><\/div>\r\n\r\n        <div class=\"form-group\">\r\n            <label for=\"email\">S\u00e4hk\u00f6postiosoite:<\/label>\r\n            <input type=\"email\" class=\"form-control\" id=\"email\" name=\"email\" style=\"height:40px; font-size:1.5rem;\">\r\n            <div class=\"invalid-feedback\" id=\"emailError\"><\/div>\r\n        <\/div>\r\n        <div class=\"form-group\">\r\n            <label for=\"phone\">Puhelin:<\/label>\r\n            <input type=\"tel\" class=\"form-control\" id=\"phone\" name=\"phone\" style=\"height:40px; font-size:1.5rem;\">\r\n            <div class=\"invalid-feedback\" id=\"phoneError\"><\/div>\r\n        <\/div>\r\n        <div id=\"form-check\" class=\"form-group form-check\">\r\n            <input type=\"checkbox\" class=\"form-check-input\" id=\"marketing\" name=\"marketing\">\r\n            <label class=\"form-check-label\" for=\"marketing\">Hyv\u00e4ksyn <a target=\"blank_\"\r\n                    href=\"..\/ehdot\/\">palveluehdot<\/a> ja viestinn\u00e4n.<\/label>\r\n            <div class=\"invalid-feedback\" id=\"marketingError\"><\/div>\r\n        <\/div>\r\n \u00a0 \u00a0 \u00a0 \u00a0<button id=\"jatka\" type=\"submit\" class=\"btn btn-primary\">Jatka \u2192<\/button>\r\n    <\/form>\r\n<p id=\"example_text\"><\/p>\r\n    <div id=\"loading-indicator\" style=\"display: none;\">\r\n        <div class=\"spinner\"><\/div>\r\n        <p>K\u00e4sitell\u00e4\u00e4n esitietoja...<\/p>\r\n    <\/div>\r\n\r\n \u00a0 \u00a0<script src=\"\/lab\/precheck_22.js\"><\/script>\r\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-29982823 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"29982823\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-45f13e04 elementor-invisible\" data-id=\"45f13e04\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-22fce015\" data-id=\"22fce015\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;,&quot;animation_delay&quot;:240}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5088d01d elementor-widget elementor-widget-text-editor\" data-id=\"5088d01d\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Olemme auttaneet yli 100 000 suomalaista s\u00e4\u00e4st\u00e4m\u00e4\u00e4n rahaa jo vuodesta 2019.<br \/>Saat lainatarjoukset heti t\u00e4ytetty\u00e4si ilmaisen hakemuksen. Kokeile mink\u00e4laisen lainatarjouksen saat! Kokeile itse ja <a href=\"\/lainahakemus\" target=\"_blank\" rel=\"noopener\">tee hakemus<\/a>. Saat vastauksen heti ja mahdolliset tarjoukset heti n\u00e4ht\u00e4v\u00e4ksesi reaaliajassa ruudullesi esitettyn\u00e4. Lainatarjous kannattaa aina kilpailuttaa, sill\u00e4 s\u00e4\u00e4st\u00e4t selv\u00e4\u00e4 rahaa. SmartFinans on luottoapurisi lainan vertailussa ja kilpailuttamisessa.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-1c34d154 elementor-invisible\" data-id=\"1c34d154\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:480}\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6228fc2 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6228fc2\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-09fcad2 elementor-invisible\" data-id=\"09fcad2\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-f4f04d3 elementor-invisible\" data-id=\"f4f04d3\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:240}\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-2be9d5c elementor-invisible\" data-id=\"2be9d5c\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:480}\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-30b3e01 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"30b3e01\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-13b52de0\" data-id=\"13b52de0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6087a3bf elementor-widget elementor-widget-heading\" data-id=\"6087a3bf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Usein kysyttyj\u00e4 kysymyksi\u00e4 palvelustamme<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42abe347 elementor-widget elementor-widget-toggle\" data-id=\"42abe347\" data-element_type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1111\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1111\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Kuinka paljon voin saada lainaa?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1111\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1111\"><p>Voit kilpailuttaa palvelussamme t\u00e4ll\u00e4 hetkell\u00e4 lainan aina 60 000 euroon asti.<\/p><p>Jokainen pankki ja lainanantaja k\u00e4sittelee hakemuksesi itsen\u00e4isesti ja arvioi kokonaistilanteesi perusteella, kuinka paljon voivat tarjota lainaa juuri sinulle.<\/p><p>Eri pankeilla ja lainanantajilla on my\u00f6s tarjolla erilaisia lainatuotteita, joiden v\u00e4himm\u00e4is- ja enimm\u00e4issummat, sek\u00e4 lainan perustamismaksut sek\u00e4 kuukausittaiset lainanhoitokulut vaihtelevat.<\/p><p>Lainasumma, mink\u00e4 pankki tai lainanantaja voi sinulle lainata, riippuu useasta eri asiasta. N\u00e4it\u00e4 ovat muun muassa ty\u00f6suhde ja tulotietosi, nykyisten lainojen m\u00e4\u00e4r\u00e4, asumismenot, siviilis\u00e4\u00e4ty ja huollettavien alaik\u00e4isten lasten m\u00e4\u00e4r\u00e4.<\/p><p>Pankkien arvioidessa suuremman rahasumman lainaamista ilman vakuuksia, tarkistelevat ne erityisesti sit\u00e4, kuinka paljon sinulle j\u00e4\u00e4 rahaa el\u00e4miseen joka kuukausi, kun olet ensin maksanut pois kiinte\u00e4t kulusi. Kiinteit\u00e4 kuluja ovat mm. asuntolaina tai vuokrakulusi, autolaina, s\u00e4hk\u00f6, elatus- ja puhelinkulut.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1112\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1112\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Kuka voi hakea lainaa SmartFinansin kautta?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1112\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1112\"><p>Saadaksesi kauttamme lainatarjouksen, sinun tulee olla suomalainen yksityishenkil\u00f6, v\u00e4hint\u00e4\u00e4n 20 vuotias, jolla on s\u00e4\u00e4nn\u00f6lliset palkka- tai el\u00e4ketulot ja puhtaat luottotiedot.<\/p><p>Yksi maksuh\u00e4iri\u00f6merkint\u00e4 ei v\u00e4ltt\u00e4m\u00e4tt\u00e4 ole esteen\u00e4 lainan hakemiselle. Tee rohkeasti <a href=\"https:\/\/www.smartfinans.fi\/lainahakemus\">maksuton hakemus<\/a> ja tied\u00e4t heti saatko kauttamme mieleisen uuden, nykyist\u00e4 edullisemman lainatarjouksen tai yhdistelylainan. SmartFinans ei itse my\u00f6nn\u00e4 tai v\u00e4lit\u00e4 lainaa, vaan kilpailutamme lainatarjoukset puolestasi. Kauttamme saat puolueettomasti kilpailutetun tarjouksen, jonka uskallamme v\u00e4itt\u00e4\u00e4 olevan todenn\u00e4k\u00f6isesti edullisin vakuudeton lainatarjous markkinoilla.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1113\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1113\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Mik\u00e4 korkoprosentti ja kuukausimaksu lainalle tulee?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1113\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1113\"><p>Jokainen pankki k\u00e4sittelee hakemustiedot itsen\u00e4isesti ja tekee mahdollisen tarjouksen omien lainanmy\u00f6nt\u00e4misperiaatteidensa mukaan. Palvelumme ei voi vaikuttaa t\u00e4h\u00e4n prosessiin.<\/p><p>Tarjottu lainan korko vaihtelee n\u00e4in ollen sek\u00e4 hakijan, ett\u00e4 tarkasteltavan pankin tai lainanantajan mukaan. Meill\u00e4 ei ole mahdollisuutta vaikuttaa pankkien tarjoamiin korkoihin tai muihin lainaehtoihin mill\u00e4\u00e4n tavalla.<\/p><p>Palvelumme kautta kilpailutettujen ja palvelustamme l\u00f6ytyvien <a href=\"\/lainatarjoukset\" target=\"_blank\" rel=\"noopener\">lainanantajien<\/a> lainatarjouksien korot vaihtelevat alkaen 4% lainakorosta yl\u00f6sp\u00e4in ja korkokaton aikana yli 10% lainakorkoja ei voida lain mukaisesti edes tarjota. <a href=\"https:\/\/www.smartfinans.fi\/lainsaadanto\/valiaikainen-muutos-kuluttajansuojalakiin-10-korkokatto\/\">Korkokatto<\/a> jatkuu t\u00e4ll\u00e4 hetkell\u00e4 aina 31.9.2021 saakka. Muista kuitenkin tarkistaa lainasopimukselta, mit\u00e4 koron tasosta sovitaan korkokaton p\u00e4\u00e4ttymisen j\u00e4lkeen.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1114\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1114\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Kuinka nopeasti saan lainan rahat tililleni?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1114\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1114\"><p>Pankit ja lainanantajat k\u00e4sittelev\u00e4t hakemuksesi heti kun hakemus on t\u00e4ytetty. Voit nostaa tarjotun lainan tilillesi p\u00e4\u00e4s\u00e4\u00e4nt\u00f6isesti heti, kun tarvittavat allekirjoitukset ja mahdollisesti tarvittavat liitteet ovat kunnossa.<\/p><p>My\u00f6nteisen luottop\u00e4\u00e4t\u00f6ksen tehty\u00e4\u00e4n ja allekirjoitettuasi pankki tai lainanantaja my\u00f6s maksaa lainasi yleens\u00e4 v\u00e4litt\u00f6m\u00e4sti. Pankista riippuen rahojen siirtyminen tilillesi voi kest\u00e4\u00e4 aina tunneista enint\u00e4\u00e4n muutamaan p\u00e4iv\u00e4\u00e4n. Yleens\u00e4 laina on tilill\u00e4 seuraavana p\u00e4iv\u00e4n\u00e4.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1115\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1115\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Minulla on luottotiedoissa merkint\u00e4, voinko silti hakea lainaa?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1115\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1115\"><p>Useimmat pankit ja lainanantajat eiv\u00e4t valitettavasti my\u00f6nn\u00e4 lainaa, jos asiakkaan luottotiedot eiv\u00e4t ole kunnossa.<\/p><p>Hakemusprosessin aikana tarkistamme luottotiedot aina automaattisesti. Aina yksi <a href=\"https:\/\/www.smartfinans.fi\/tietopankki\/maksuhairiomerkinta\/\">maksuh\u00e4iri\u00f6merkint\u00e4<\/a> ei kuitenkaan ole este lainan saamiselle, jos ty\u00f6- ja tulotietosi ovat kunnossa ja pankki tai lainanantaja on p\u00e4\u00e4tt\u00e4nyt my\u00f6nt\u00e4\u00e4 sinulle lainan.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1116\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1116\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Mik\u00e4 on lainan takaisinmaksuaika?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1116\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1116\"><p>SmartFinansin palvelussa voit valita hakemuksessasi lainan takaisinmaksuajaksi 1\u201315 vuotta.<\/p><p>Takaisinmaksuaika vaikuttaa lainan kuukausier\u00e4n suuruuteen. Mit\u00e4 pidemm\u00e4n takaisinmaksuajan valitset, sit\u00e4 pienempi on kuukausier\u00e4si, mutta maksat pitk\u00e4ss\u00e4 juoksussa enemm\u00e4n lainan k\u00e4sittelymaksuja. <a href=\"https:\/\/www.smartfinans.fi\/lainojen-yhdistaminen\/\">Yhdistelylainaksi<\/a> t\u00e4m\u00e4 pidemm\u00e4n takaisinmaksuajan ratkaisu kuitenkin on usein paljon parempi, kuin maksaa samoja kuluja isommilla koroilla moneen paikkaan. Yhdistelylainassa on vain yksi korko ja yhdet kulut.<\/p><p>Pitk\u00e4ll\u00e4 laina-ajalla korkokustannuksia kertyy enemm\u00e4n. Voit etsi\u00e4 sopivaa takaisinmaksuaikaa my\u00f6s sivuillamme olevan lainalaskurin avulla. Pankit saattavat tehd\u00e4 tarjouksia my\u00f6s eri lainasummalle ja laina-ajalle kuin olet toivonut.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1117\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1117\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Voinko maksaa lainan pois sovittua nopeammin?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1117\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1117\"><p>Voit milloin tahansa maksaa lainan pois kokonaan tai lyhent\u00e4\u00e4 sit\u00e4 nopeammin kuin alkuper\u00e4isess\u00e4 sopimuksessa on sovittu. T\u00e4st\u00e4 ei koidu sinulle lis\u00e4kuluja, ja korkoa maksat vain silt\u00e4 ajalta, jonka laina on k\u00e4yt\u00f6ss\u00e4si.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1118\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-1118\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Mit\u00e4 tarkoitetaan termill\u00e4 kulutusluotto?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1118\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-1118\"><p>Kulutusluotolla tarkoitetaan erilaisiin kulutustarpeisiin k\u00e4ytett\u00e4v\u00e4\u00e4, tavallisesti hieman pienemp\u00e4\u00e4 lainaa. Normaalisti <a href=\"https:\/\/www.smartfinans.fi\/kulutusluotto\/\">kulutusluotto<\/a> on summaltaan 1000 &#8211; 5000 euroa, mutta palvelumme kautta onnistuu kulutusluotto 60 000 euroonkin asti, ilman vakuuksia ja ilman takaajia.<\/p><p>SmartFinans.fi -palvelun avulla saat lainap\u00e4\u00e4t\u00f6ksen nopeasti, ja varmistua siit\u00e4, ett\u00e4 l\u00f6yd\u00e4t itsellesi edullisimman lainavaihtoehdon.<\/p><p>Meid\u00e4n kauttamme kilpailutettuihin kulutusluottoihin ei pyydet\u00e4 lainkaan vakuuksia.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1119\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-1119\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Mik\u00e4 on vakuudeton laina?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1119\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-1119\"><p>Vakuudettoman lainan vakuudeksi ei tarvita muuta omaisuutta.\u00a0Kulutusluotot ovat tyypillisesti vakuudettomia lainoja. Luotonmy\u00f6nt\u00e4j\u00e4t ottavat lainap\u00e4\u00e4t\u00f6ksess\u00e4\u00e4n huomioon hakijan yleiset taloudelliset edellytykset.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-11110\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-11110\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Mik\u00e4 on luottop\u00e4\u00e4t\u00f6s?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-11110\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-11110\"><p>Luottop\u00e4\u00e4t\u00f6s on p\u00e4\u00e4t\u00f6s siit\u00e4, my\u00f6nt\u00e4\u00e4k\u00f6 luotonantaja hakijalle lainaa vai ei. Rahoituslaitokset tekev\u00e4t p\u00e4\u00e4t\u00f6ksen t\u00e4ysin itsen\u00e4isesti asiakkaasta saamiensa tietojen perusteella. Luottop\u00e4\u00e4t\u00f6s voi olla joko my\u00f6nteinen tai kielteinen. Luotonmy\u00f6nt\u00e4j\u00e4t voivat my\u00f6s tehd\u00e4 p\u00e4\u00e4t\u00f6ksen, jossa haettua lainam\u00e4\u00e4r\u00e4\u00e4 pienennet\u00e4\u00e4n tai laina-aikaa lyhennet\u00e4\u00e4n.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-11111\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-11111\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Mik\u00e4 on lainakorko?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-11111\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-11111\"><p>Korko on lainan hinta eli pankin ottamaa palkkio my\u00f6nt\u00e4m\u00e4st\u00e4\u00e4n lainasta. Korko ilmoitetaan vuositasolla. Korko on sek\u00e4 pankkikohtainen, ett\u00e4 my\u00f6s yksil\u00f6llinen. My\u00f6s lainan koko ja takaisinmaksuaika vaikuttavat kokonaiskorkoon. Lainan korko on useimmiten sidottu vallitsevaan korkotasoon.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-11112\" class=\"elementor-tab-title\" data-tab=\"12\" role=\"button\" aria-controls=\"elementor-tab-content-11112\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Mik\u00e4 on lainan todellinen vuosikorko?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-11112\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"12\" role=\"region\" aria-labelledby=\"elementor-tab-title-11112\"><p>Lainan kokonaiskustannukset koostuvat korosta, lainan muista kuluista, laina-ajasta ja lyhennystavasta. Korko on yleens\u00e4 lainan kustannuksista merkitt\u00e4vin. Sen lis\u00e4ksi muita kuluja voivat olla esimerkiksi avausmaksu tai kuukausittainen tilinhoitomaksu. Koska n\u00e4m\u00e4 kulut vaihtelevat eri lainatuotteissa, pelk\u00e4n nimelliskoron vertailun sijaan kannattaakin vertailla eri lainojen todellisia vuosikorkoja. Todellinen vuosikorko sis\u00e4lt\u00e4\u00e4 nimelliskoron lis\u00e4ksi kaikki muut lainasta aiheutuvat maksut. Siksi SmartFinans.fi esitt\u00e4\u00e4 eri lainatarjousten todelliset vuosikorot selke\u00e4sti.<\/p><p>N\u00e4in kykenet vertailemaan eri tarjouksia mahdollisimman hyvin ja voit tehd\u00e4 viisaan lainavalinnan.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-11113\" class=\"elementor-tab-title\" data-tab=\"13\" role=\"button\" aria-controls=\"elementor-tab-content-11113\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Kannattaako lainan Yhteishaku?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-11113\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"13\" role=\"region\" aria-labelledby=\"elementor-tab-title-11113\"><p>Lis\u00e4\u00e4m\u00e4ll\u00e4 lainahakemukselle yhteishakijan eli rinnakkaishakijan,\u00a0 parannat merkitt\u00e4v\u00e4sti mahdollisuuksiasi saada lainaa ja sit\u00e4 kuinka matalan korkotason saat lainallesi.<\/p><p>Yhteishakija on erityisen hy\u00f6dyllinen hakiessasi suurempaa lainasummaa, kuten yli 40 000 euroa.<\/p><p>Yhteishakijan avulla voit lis\u00e4ksi saada lainalle edullisemman koron ja muut lainaehdot paremmiksi.<\/p><p>Huomaathan, ett\u00e4 yhteishakija vastaa kanssasi viime k\u00e4dess\u00e4 koko lainasummasta yhdess\u00e4 p\u00e4\u00e4hakijan kanssa. Tyypillisimmin yhteishakijana on avo- tai aviopuoliso, mutta se voi olla my\u00f6s esimerkiksi luotettava yst\u00e4v\u00e4, oma vanhempi tai muu sukulainen.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-11114\" class=\"elementor-tab-title\" data-tab=\"14\" role=\"button\" aria-controls=\"elementor-tab-content-11114\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Mik\u00e4 on luottopisteytys?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-11114\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"14\" role=\"region\" aria-labelledby=\"elementor-tab-title-11114\"><p><a href=\"https:\/\/luottopisteytys.fi\" target=\"_blank\" rel=\"noopener nofollow\">Luottopisteytys<\/a> m\u00e4\u00e4ritell\u00e4\u00e4n luottpiste arviossamme asteikolla A &#8211; F, joka vastaa asteikoltaan useimpien pankkien tekem\u00e4\u00e4 luottopisteytyst\u00e4 asiakkaistaan.<\/p><p>Pankkien luottopisteytyksess\u00e4 k\u00e4ytet\u00e4\u00e4n monimutkaisia ja pankeista riippuvia laskentapainotuksia. Annamme palvelussamme arvion luottopisteist\u00e4si ns, yleisen tason mukaan. Pankit eiv\u00e4t t\u00e4t\u00e4 tietoa asiakkailleen mainosta tai ilmoita, mutta me kerromme sen sinulle veloituksetta. Huomaathan, ett\u00e4 luottopisteet eiv\u00e4t ole sama asia, kuin <a href=\"https:\/\/www.smartfinans.fi\/tietopankki\/luottotiedot\/\" target=\"_blank\" rel=\"noopener\">luottotiedot<\/a> tai luottokelpoisuus.<\/p><p>Luottopisteet kuvaavat asiakkaan yleist\u00e4 tasoa saada lainatarjous ja sen, millaisella korolla lainaa todenn\u00e4k\u00f6isesti tullaan my\u00f6nt\u00e4m\u00e4\u00e4n.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5d901e69 elementor-reverse-tablet elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5d901e69\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation_mobile&quot;:&quot;none&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4581b28f\" data-id=\"4581b28f\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8feed12 elementor-widget elementor-widget-image\" data-id=\"8feed12\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"423\" height=\"428\" src=\"https:\/\/www.smartfinans.fi\/wp-content\/uploads\/2021\/09\/about_us-1.png\" class=\"attachment-large size-large wp-image-12450\" alt=\"\" srcset=\"https:\/\/www.smartfinans.fi\/wp-content\/uploads\/2021\/09\/about_us-1.png 423w, https:\/\/www.smartfinans.fi\/wp-content\/uploads\/2021\/09\/about_us-1-296x300.png 296w\" sizes=\"(max-width: 423px) 100vw, 423px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-20791305 elementor-invisible\" data-id=\"20791305\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;,&quot;animation_mobile&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d7cd6cb elementor-widget elementor-widget-heading\" data-id=\"d7cd6cb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">HAE LAINAA<\/h6>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-726e589e elementor-widget elementor-widget-heading\" data-id=\"726e589e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Lainaa kaikkiin tarpeisiin.<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23173088 elementor-widget elementor-widget-text-editor\" data-id=\"23173088\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Kulutukseen, remonttiin, hammasl\u00e4\u00e4k\u00e4rilaskuun, auton huoltoon tai matkalainaksi. My\u00f6s yhdistelylainaksi. Lainan k\u00e4ytt\u00f6tarkoitusta ei ole sidottu. Saat lainaa oman maksukykysi mukaisesti haluamallasi korkotasolla. Ensin saat tarjoukset ja p\u00e4\u00e4t\u00e4t itse jatkatko hyv\u00e4ksym\u00e4\u00e4n ja nostamaan lainan tilillesi. Meid\u00e4n kilpailuttamia lainoja ei voi nostaa vahingossa, vaan prosessi on kaksivaiheinen. Tee hakemus rohkeasti ja kokeile oma korkotasosi.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e749862 elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"3e749862\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"\/lainahakemus\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Tee Hakemus<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Kilpailuta laina ilmaiseksi Lainaa mahdollisimman mataalalla korolla. Hakemuksen tekeminen kest\u00e4\u00e4 2 minuuttia Palvelumme kotimainen ja maksuton Voit hakea lainaa jopa [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"inline_featured_image":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"_links":{"self":[{"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/pages\/14769"}],"collection":[{"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/comments?post=14769"}],"version-history":[{"count":100,"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/pages\/14769\/revisions"}],"predecessor-version":[{"id":15334,"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/pages\/14769\/revisions\/15334"}],"wp:attachment":[{"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/media?parent=14769"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}