Kulutusluottojen korkokatto 2019
Uusi laki, kulutusluottojen korkokatto 2019, tuli voimaan syyskuun alusta (1.9.2019). Mikä on tämä korkokatto ja miten se vaikuttaa lainanhakuun?
Pykäläviidakon läpikäyminen voi olla haastavaa, joten kokosimme tähän kulutusluotojen korkokaton tuomat oleelliset muutokset. Lue siis ainakin nämä faktat ja tiedät mistä on kyse!
Mitä lainatyyppejä uusi korkokatto koskee ja miten se vaikuttaa niiden myöntämiseen?
Päivitetty korkokattolaki koskee kaikenlaisia kulutus- ja limiittiluottoja sekä luottokortteja. Sääntelyyn ei lueta mukaan asuntoluottoja, joiden vakuutena on asunto tai muu omaisuus, sekä autojen ja muiden liikennevälineiden osamaksukauppoja.
Syyskuun 1. päivä 2019 alkaen luoton nimelliskorko saa olla enintään 20 % vuodessa. Tällä hetkellä alle 2 000 € lainoilla on 50 % korkokatto. Jatkossa korkokatto koskee myös suurempia lainasummia.
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