{"id":9537,"date":"2021-04-18T12:44:43","date_gmt":"2021-04-18T10:44:43","guid":{"rendered":"https:\/\/www.smartfinans.fi\/?page_id=9537"},"modified":"2021-09-13T13:43:36","modified_gmt":"2021-09-13T11:43:36","slug":"smartfinans","status":"publish","type":"page","link":"https:\/\/www.smartfinans.fi\/smartfinans\/","title":{"rendered":"SmartFinans"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"9537\" class=\"elementor elementor-9537\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-42b7aa7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"42b7aa7\" 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-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-39b9739\" data-id=\"39b9739\" 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-0b8940e elementor-widget elementor-widget-heading\" data-id=\"0b8940e\" 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<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.smartfinans.fi\/lainsaadanto\/valiaikainen-muutos-kuluttajansuojalakiin-10-korkokatto\/\" target=\"_blank\">TEE HAKEMUS - SAAT P\u00c4\u00c4T\u00d6KSEN HETI<\/a><\/h3>\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 class=\"elementor-section elementor-top-section elementor-element elementor-element-2f57b6c elementor-hidden-phone elementor-reverse-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2f57b6c\" data-element_type=\"section\" data-settings=\"{&quot;animation_mobile&quot;:&quot;none&quot;}\" data-e-bg-lazyload=\".elementor-background-overlay\">\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-33 elementor-top-column elementor-element elementor-element-78bc08d\" data-id=\"78bc08d\" data-element_type=\"column\" data-settings=\"{&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<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ddeca83 elementor-widget elementor-widget-heading\" data-id=\"ddeca83\" 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\">Tee Hakemus<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4fd2d8e elementor-widget elementor-widget-text-editor\" data-id=\"4fd2d8e\" 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><b>Saat lainatarjouksen kun:<\/b><\/p><ol><li>Olet v\u00e4hint\u00e4\u00e4n 20-vuotias<\/li><li style=\"font-size: 16px;\">Omaat puhtaat luottotiedot<\/li><li>Sinulla on s\u00e4\u00e4nn\u00f6lliset tulot<br \/>(palkka- tai el\u00e4ketulot)<\/li><\/ol>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6625cf9 elementor-widget elementor-widget-text-editor\" data-id=\"6625cf9\" 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>&#8211; Palvelun k\u00e4ytt\u00f6 on maksutonta<br \/>&#8211; Ei sido nostamaan tarjottua lainaa<br \/>&#8211; P\u00e4\u00e4t\u00f6s lainalle heti<\/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-e399319 elementor-align-left elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"e399319\" data-element_type=\"widget\" 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-balance-scale-left\"><\/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\">Kilpailuta lainatarjous yli 20 pankin kesken vain yhdell\u00e4 hakemuksella<\/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\"><\/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\">T\u00e4ysin ilman lis\u00e4kuluja<\/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\"><\/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\">T\u00e4yt\u00e4 maksuton hakemus<br>ja valitse edullisin tarjous<\/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-33 elementor-top-column elementor-element elementor-element-b8cf187\" data-id=\"b8cf187\" data-element_type=\"column\" data-settings=\"{&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-5967119 elementor-widget elementor-widget-heading\" data-id=\"5967119\" 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\">Kuinka paljon tarvitset lainaa?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-adcbf49 elementor-widget__width-inherit elementor-widget-mobile__width-inherit elementor-widget elementor-widget-shortcode\" data-id=\"adcbf49\" data-element_type=\"widget\" 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\"><script>\r\n\r\nfunction getParamsFrontpage( name ) {\r\n\tvar url = window.location.search.replace(\"?\", \"\");\r\n\tvar request = {};\r\n\tvar pairs = url.substring(url.indexOf('?') + 1).split('&');\r\n\tfor (var i = 0; i < pairs.length; i++) {\r\n\t\tif(!pairs[i])\r\n\t\tcontinue;\r\n\t\tvar pair = pairs[i].split('=');\r\n\t\trequest[decodeURIComponent(pair[0])] = decodeURIComponent(pair[1]);\r\n\t}\r\n\tif( typeof(request[name]) == \"undefined\") {\r\n\t\treturn \"\";\r\n\t} else {\r\n\t\treturn request[name];\r\n\t}\r\n}\r\n\r\nvar salusgroup = {\"publisher\":{}, \"prefill\":{}};\r\n\r\n\/\/ if (ga.getAll()[0].get('clientId') != '') {\r\n\/\/\tsalusgroup.publisher.pubid_reference = ga.getAll()[0].get('clientId');\r\n\/\/ }\t\r\n\r\nif (getParamsFrontpage(\"sub\")!='') {\r\nsalusgroup.publisher.pubidsub1 = getParamsFrontpage(\"sub\");\r\n}\r\n\r\nif (getParamsFrontpage(\"sub2\")!='') {\r\n\tsalusgroup.publisher.pubidsub2 = getParamsFrontpage(\"sub2\");\r\n}\r\n\r\nif (getParamsFrontpage(\"sub3\")!='') {\r\n\tsalusgroup.publisher.pubidsub3 = getParamsFrontpage(\"sub3\");\r\n}\r\n\r\n\tif (getParamsFrontpage(\"sub4\")!='') {\r\n\tsalusgroup.publisher.pubidsub4 = getParamsFrontpage(\"sub4\");\r\n}\r\n\r\nif (getParamsFrontpage(\"fbclid\")!='') {\r\n\tsalusgroup.publisher.pubid_reference = getParamsFrontpage(\"fbclid\");\r\n}\r\n\r\nif (getParamsFrontpage(\"fbclid\")!='') {\r\n\tsalusgroup.publisher.pubidsub1 = 'facebook';\r\n}\t\r\n\r\nif (getParamsFrontpage(\"gclid\")!='') {\r\n\tsalusgroup.publisher.pubidsub1 = 'google';\r\n}\r\n\r\nif (getParamsFrontpage(\"utm_source\")=='google') {\r\n\tsalusgroup.publisher.pubidsub1 = 'google';\r\n}\r\n\r\nif (getParamsFrontpage(\"gclid\")!='') {\r\n\tsalusgroup.publisher.pubid_reference = getParamsFrontpage(\"gclid\");\r\n}\r\n\t\r\n<\/script>\r\n\r\n\r\n<script async src=\"https:\/\/salus.group\/forms\/salusgroup_forms_min.js?token=fi_6555_frontpage_smartfinans_fi\"><\/script><\/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<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-bb71c69\" data-id=\"bb71c69\" data-element_type=\"column\">\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<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2a6ed1b elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2a6ed1b\" data-element_type=\"section\">\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-cdb9bc9\" data-id=\"cdb9bc9\" data-element_type=\"column\">\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-de32f67\" data-id=\"de32f67\" 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-c72fb1a elementor-widget__width-inherit elementor-widget-mobile__width-inherit elementor-widget elementor-widget-shortcode\" data-id=\"c72fb1a\" data-element_type=\"widget\" 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\"><script>\r\n\r\nfunction getParamsFrontpage( name ) {\r\n\tvar url = window.location.search.replace(\"?\", \"\");\r\n\tvar request = {};\r\n\tvar pairs = url.substring(url.indexOf('?') + 1).split('&');\r\n\tfor (var i = 0; i < pairs.length; i++) {\r\n\t\tif(!pairs[i])\r\n\t\tcontinue;\r\n\t\tvar pair = pairs[i].split('=');\r\n\t\trequest[decodeURIComponent(pair[0])] = decodeURIComponent(pair[1]);\r\n\t}\r\n\tif( typeof(request[name]) == \"undefined\") {\r\n\t\treturn \"\";\r\n\t} else {\r\n\t\treturn request[name];\r\n\t}\r\n}\r\n\r\nvar salusgroup = {\"publisher\":{}, \"prefill\":{}};\r\n\r\n\/\/ if (ga.getAll()[0].get('clientId') != '') {\r\n\/\/\tsalusgroup.publisher.pubid_reference = ga.getAll()[0].get('clientId');\r\n\/\/ }\t\r\n\r\nif (getParamsFrontpage(\"sub\")!='') {\r\nsalusgroup.publisher.pubidsub1 = getParamsFrontpage(\"sub\");\r\n}\r\n\r\nif (getParamsFrontpage(\"sub2\")!='') {\r\n\tsalusgroup.publisher.pubidsub2 = getParamsFrontpage(\"sub2\");\r\n}\r\n\r\nif (getParamsFrontpage(\"sub3\")!='') {\r\n\tsalusgroup.publisher.pubidsub3 = getParamsFrontpage(\"sub3\");\r\n}\r\n\r\n\tif (getParamsFrontpage(\"sub4\")!='') {\r\n\tsalusgroup.publisher.pubidsub4 = getParamsFrontpage(\"sub4\");\r\n}\r\n\r\nif (getParamsFrontpage(\"fbclid\")!='') {\r\n\tsalusgroup.publisher.pubid_reference = getParamsFrontpage(\"fbclid\");\r\n}\r\n\r\nif (getParamsFrontpage(\"fbclid\")!='') {\r\n\tsalusgroup.publisher.pubidsub1 = 'facebook';\r\n}\t\r\n\r\nif (getParamsFrontpage(\"gclid\")!='') {\r\n\tsalusgroup.publisher.pubidsub1 = 'google';\r\n}\r\n\r\nif (getParamsFrontpage(\"utm_source\")=='google') {\r\n\tsalusgroup.publisher.pubidsub1 = 'google';\r\n}\r\n\r\nif (getParamsFrontpage(\"gclid\")!='') {\r\n\tsalusgroup.publisher.pubid_reference = getParamsFrontpage(\"gclid\");\r\n}\r\n\t\r\n<\/script>\r\n\r\n\r\n<script async src=\"https:\/\/salus.group\/forms\/salusgroup_forms_min.js?token=fi_6555_frontpage_smartfinans_fi\"><\/script><\/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<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-127cbe1\" data-id=\"127cbe1\" data-element_type=\"column\">\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-2c4074a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2c4074a\" 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-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4d48113\" data-id=\"4d48113\" 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-5b9f267 elementor-widget elementor-widget-text-editor\" data-id=\"5b9f267\" 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>Kaikki annetut tarjoukset ovat\u00a0voimassa <u>v\u00e4hint\u00e4\u00e4n<\/u> 30 vrk.<\/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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c9c98d6 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"c9c98d6\" 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-facecd6\" data-id=\"facecd6\" 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-0576849 elementor-widget elementor-widget-text-editor\" data-id=\"0576849\" 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 style=\"text-align: center;\">Onko sinulla kysytt\u00e4v\u00e4\u00e4?<\/p><p style=\"text-align: center;\">Hakemukselta l\u00f6ytyv\u00e4 laina-Chat palvelee arkisin 9-17 ja voit aina l\u00e4hett\u00e4\u00e4 meille viestin osoitteeseen info@smartfinans.fi<\/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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-aec606b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"aec606b\" data-element_type=\"section\">\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-100 elementor-top-column elementor-element elementor-element-7c282c7\" data-id=\"7c282c7\" 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-80cfbca elementor-widget elementor-widget-toggle\" data-id=\"80cfbca\" 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-1351\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1351\" 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-1351\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1351\"><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-1352\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1352\" 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-1352\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1352\"><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-1353\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1353\" 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-1353\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1353\"><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 lainatarjouksien korot ovat vaihdelleet 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-1354\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1354\" 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-1354\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1354\"><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-1355\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1355\" 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-1355\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1355\"><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-1356\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1356\" 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-1356\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1356\"><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-1357\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1357\" 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-1357\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1357\"><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-1358\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-1358\" 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-1358\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-1358\"><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-1359\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-1359\" 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-1359\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-1359\"><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-13510\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-13510\" 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-13510\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-13510\"><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-13511\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-13511\" 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-13511\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-13511\"><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-13512\" class=\"elementor-tab-title\" data-tab=\"12\" role=\"button\" aria-controls=\"elementor-tab-content-13512\" 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-13512\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"12\" role=\"region\" aria-labelledby=\"elementor-tab-title-13512\"><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-13513\" class=\"elementor-tab-title\" data-tab=\"13\" role=\"button\" aria-controls=\"elementor-tab-content-13513\" 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-13513\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"13\" role=\"region\" aria-labelledby=\"elementor-tab-title-13513\"><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-13514\" class=\"elementor-tab-title\" data-tab=\"14\" role=\"button\" aria-controls=\"elementor-tab-content-13514\" 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-13514\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"14\" role=\"region\" aria-labelledby=\"elementor-tab-title-13514\"><p><a href=\"https:\/\/luottopisteytys.smartfinans.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<div class=\"elementor-element elementor-element-947f79a elementor-button-warning elementor-align-center elementor-widget elementor-widget-button\" data-id=\"947f79a\" 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-xl\" href=\"https:\/\/www.smartfinans.fi\/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-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Aloita 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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8f1b08e elementor-section-full_width elementor-section-height-min-height elementor-section-height-default elementor-section-items-middle\" data-id=\"8f1b08e\" 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-b0dc508\" data-id=\"b0dc508\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-151cfe5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"151cfe5\" data-element_type=\"section\">\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-93034a6\" data-id=\"93034a6\" 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-1c0ed53 elementor-widget elementor-widget-heading\" data-id=\"1c0ed53\" 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\">Autamme alentamaan lainakuluja<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85a3e01 elementor-widget elementor-widget-text-editor\" data-id=\"85a3e01\" 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<ul><li>Maksuton palvelu, ei piilokuluja<\/li><li><span style=\"text-decoration: underline;\">Ei sido mihink\u00e4\u00e4n<\/span><\/li><li>Autamme laina-chatissa maksutta<\/li><li>Kotimainen, asiantunteva asiakaspalvelu<\/li><li>Lainap\u00e4\u00e4t\u00f6s\u00a0<b>heti<\/b><\/li><li>Yli 20 pankkia ja rahoittajaa kilpailee lainastasi<\/li><li>Sin\u00e4 p\u00e4\u00e4t\u00e4t mink\u00e4 lainan haluat nostaa ja mill\u00e4 korolla<\/li><\/ul>\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-inner-column elementor-element elementor-element-d3f6aa9\" data-id=\"d3f6aa9\" 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-039eb8a elementor-align-center elementor-button-warning elementor-widget elementor-widget-button\" data-id=\"039eb8a\" 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-xl\" href=\"https:\/\/www.smartfinans.fi\/lainahakemus\/\" id=\"hakemukselle-tasta\">\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\">Hakemukselle t\u00e4st\u00e4 >><\/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\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-c8b5ee0 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"c8b5ee0\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&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-ddc5c42\" data-id=\"ddc5c42\" 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-b482634 elementor-view-default elementor-position-top elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"b482634\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  >\n\t\t\t\t\t\tHelppo tapa s\u00e4\u00e4st\u00e4\u00e4\t\t\t\t\t<\/span>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t<span style=\"text-align: start; white-space: normal;\">Moni miettii miten s\u00e4\u00e4st\u00e4\u00e4 kuukausittaisista lainakuluista? Lainasopimus ei yleens\u00e4 jousta, mutta sen voi neuvotella uudelleen.<\/span><br><br><span style=\"text-align: start; white-space: normal;\">Jos et ole tyytyv\u00e4inen nykyisen lainasi korkoon ja kuluihin, kilpailuta uusi edullisempi laina ja maksaa vanha pois.<\/span>\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<\/div>\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<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-3ffed2a\" data-id=\"3ffed2a\" 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-39d7bb6 elementor-view-default elementor-position-top elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"39d7bb6\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-university\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  >\n\t\t\t\t\t\tLainojen Yhdist\u00e4minen\t\t\t\t\t<\/span>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t<span style=\"text-align: start; white-space: normal;\">Kun yhdist\u00e4t useat pienemm\u00e4t lainasi yhdeksi kokonaisuudeksi, lyhentyy yleens\u00e4 my\u00f6s lainap\u00e4\u00e4omasi takaisinmaksuaika.&nbsp;<\/span><br><br><span style=\"text-align: start; white-space: normal;\">Ota ohituskaista lainattomaan arkeen jo t\u00e4n\u00e4\u00e4n. Yhdiist\u00e4 lainasi nyt.<\/span>\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<\/div>\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<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-bb84277\" data-id=\"bb84277\" 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-10ea1d2 elementor-view-default elementor-position-top elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"10ea1d2\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-lightbulb\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  >\n\t\t\t\t\t\tKilpailutus Kannattaa\t\t\t\t\t<\/span>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t<div style=\"text-align: start;\"><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ); font-weight: var( --e-global-typography-text-font-weight ); font-size: 1rem; white-space: normal;\">Uutta lainaa ei kannata hakea kilpailuttamatta lainamarkkinaa. Me teemme kilpailutuksen puolestasi maksutta.<\/span><br><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ); font-weight: var( --e-global-typography-text-font-weight ); font-size: 1rem; white-space: normal;\"><br><\/span><\/div><span style=\"text-align: start; white-space: normal;\">Sinulle j\u00e4\u00e4 rahaa enemm\u00e4n el\u00e4miseen ja ehk\u00e4 jopa sijoituksiin tai s\u00e4\u00e4st\u00f6\u00f6nkin?<\/span>\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<\/div>\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>TEE HAKEMUS &#8211; SAAT P\u00c4\u00c4T\u00d6KSEN HETI Tee Hakemus Saat lainatarjouksen kun: Olet v\u00e4hint\u00e4\u00e4n 20-vuotias Omaat puhtaat luottotiedot Sinulla on s\u00e4\u00e4nn\u00f6lliset [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","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\/9537"}],"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=9537"}],"version-history":[{"count":0,"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/pages\/9537\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.smartfinans.fi\/wp-json\/wp\/v2\/media?parent=9537"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}