We have remove Joustorahoitus from Nordea Finance’s product selection on 31 December 2024. You can no longer make new Joustorahoitus agreements, apply for an increase to an existing Joustorahoitus credit facility or make purchases from your credit account.
Joustorahoitus is a continuous credit facility which is valid until further notice. The credit limit is 1,000–50,000 euros, the credit interest rate is the 3-month Euribor plus a margin of 4.7% to 12% and the monthly account management fee is 3–12.5 euros (depending on the credit limit). When the credit interest rate is the variable 3-month Euribor rate (3.25% in October 2024) + 8% (meaning a total interest rate of 11.25% in October 2024), the monthly account management fee is 12.5 euros and the credit is repaid in 12 monthly instalments (455 euros each), the annual percentage rate (APR) for an outstanding credit balance of 5,000 euros is 17.9% and the estimated total cost of the credit is 5,460 euros. When the credit interest rate is the variable 3-month Euribor rate (3.25% in October 2024) + 12% (meaning a total interest rate of 15.25% in October 2024), the monthly account management fee is 12.5 euros and the credit is repaid in 12 monthly instalments (464.4 euros each), the APR for an outstanding credit balance of 5,000 euros is 22.6% and the estimated total cost of the credit is 5,572.6 euros. The creditor is Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.
| Credit interest | 3-month Euribor plus a margin of 4.7% to 12.00% |
| Monthly account management fee | 3–12.5 euros depending on the credit limit |
| Opening fee | 0 euros |
| Transfers from the credit account | Interest-bearing as of the transfer date |
