{"id":8147,"date":"2020-09-25T15:14:51","date_gmt":"2020-09-25T13:14:51","guid":{"rendered":"https:\/\/kulutusluottovertailu.info\/?p=8147"},"modified":"2021-04-21T20:18:43","modified_gmt":"2021-04-21T18:18:43","slug":"valiaikainen-muutos-kuluttajansuojalakiin-10-korkokatto","status":"publish","type":"post","link":"https:\/\/kulutusluottovertailu.info\/lainsaadanto\/valiaikainen-muutos-kuluttajansuojalakiin-10-korkokatto\/","title":{"rendered":"V\u00e4liaikainen muutos kuluttajansuojalakiin | 10% korkokatto"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"8147\" class=\"elementor elementor-8147\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1d2fe98b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1d2fe98b\" 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-192b9ef\" data-id=\"192b9ef\" 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-2b68c870 elementor-widget elementor-widget-heading\" data-id=\"2b68c870\" 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<p class=\"elementor-heading-title elementor-size-default\">KORKOKATTO: KORKOTASO NYT ALK. 4% JA KORKEINTAAN 10%<\/p>\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-34faf7a1 elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default\" data-id=\"34faf7a1\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;animation_mobile&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-33 elementor-top-column elementor-element elementor-element-38b72f9e\" data-id=\"38b72f9e\" 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-7c51dab4 elementor-widget elementor-widget-heading\" data-id=\"7c51dab4\" 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-51c639ff elementor-widget__width-inherit elementor-widget-mobile__width-inherit elementor-widget elementor-widget-shortcode\" data-id=\"51c639ff\" 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\nvar salusgroup = {\"publisher\":{}, \"prefill\":{}};\r\n\t\/\/ salusgroup.prefill['phone'] = salusgroup.getParams()['phone'];\r\n\t\r\n\t\r\n\t\/\/salusgroup.prefill['loan_amount'] = '40000';\r\n\t\/\/salusgroup.prefill['loan_period'] = '10';\r\n\t\/\/salusgroup.prefill['email'] = '';\r\n\t\/\/ all fields can be prefilled this way - just inspect the \"id\" of the field on the form\r\n\t\/\/ salusgroup.publisher.pubidsub5= 'hi';\r\n\t\/\/ salusgroup.publisher.pubidsub4= salusgroup.getParams()['pubidsub4'];\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\t\r\n\/\/ if (getParamsFrontpage(\"gclid\")!='') {\r\n\/\/\tsalusgroup.publisher.pubidsub3 = getParamsFrontpage(\"gclid\");\r\n\/\/ }\r\n\/\/ \r\n\r\nif (getParamsFrontpage(\"gclid\")!='') {\r\n\tsalusgroup.publisher.pubid_reference = getParamsFrontpage(\"gclid\");\r\n}\r\n\r\n\t\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}\t\r\n\t\r\nif (getParamsFrontpage(\"subid\")!='') {\r\nsalusgroup.publisher.pubidsub1 = getParamsFrontpage(\"subid\");\r\n}\r\n\r\nif (getParamsFrontpage(\"subid2\")!='') {\r\n\tsalusgroup.publisher.pubidsub2 = getParamsFrontpage(\"subid2\");\r\n}\r\n\r\nif (getParamsFrontpage(\"subid3\")!='') {\r\n\tsalusgroup.publisher.pubidsub3 = getParamsFrontpage(\"subid3\");\r\n}\r\n\r\n\tif (getParamsFrontpage(\"subid4\")!='') {\r\n\tsalusgroup.publisher.pubidsub4 = getParamsFrontpage(\"subid4\");\r\n}\r\n\r\n\/\/salusgroup.publisher.pubidsub5= 'hi';\r\n\r\n<\/script>\r\n<script async src=\"https:\/\/salus.group\/forms\/salusgroup_forms_min.js?token=fi_6555_frontpage_kulutusluottovertailu_info\"><\/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-5db079c2\" data-id=\"5db079c2\" 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-528e4624\" data-id=\"528e4624\" 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-501bd21 elementor-widget elementor-widget-heading\" data-id=\"501bd21\" 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 verkossa<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ba79a9d elementor-widget elementor-widget-text-editor\" data-id=\"7ba79a9d\" 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>Kilpailuta laina kokonaan verkossa.<\/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-829438f elementor-widget elementor-widget-text-editor\" data-id=\"829438f\" 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>Edellytykset lainatarjouksen saamiselle:<\/b><\/p><ol><li>Olet v\u00e4hint\u00e4\u00e4n 20-vuotias<\/li><li>Sinulla on s\u00e4\u00e4nn\u00f6lliset tulot<br \/>(palkka- tai el\u00e4ketulot)<\/li><li>Puhtaat luottotiedot<\/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-48c764bf elementor-widget elementor-widget-text-editor\" data-id=\"48c764bf\" 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>Palvelun k\u00e4ytt\u00f6 on 100% ilmaista eik\u00e4 sido sinua mihink\u00e4\u00e4n. <b>Tarkista oma autolainan korkotasosi, ilman sitoumuksia.<\/b><\/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-2a901f23 elementor-align-left elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2a901f23\" 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\">Tarjous lainasta yli 20 pankin kesken kilpailutettuna<\/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 ensin maksuton hakemus 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\t<\/div>\n\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f02d055 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f02d055\" 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-100 elementor-top-column elementor-element elementor-element-0cad753\" data-id=\"0cad753\" 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-d792585 elementor-widget elementor-widget-text-editor\" data-id=\"d792585\" 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<h1>10% korkokatto voimassa<\/h1>\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-49ce0f64 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"49ce0f64\" 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-100 elementor-top-column elementor-element elementor-element-5cf20fcb\" data-id=\"5cf20fcb\" 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-68d887b7 elementor-widget elementor-widget-text-editor\" data-id=\"68d887b7\" 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: left;\"><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;\">Eduskunta on hyv\u00e4ksynyt hallituksen esityksen uudesta v\u00e4liaikaisesta muutoksesta kuluttajansuojalain 7 lukuun. T\u00e4m\u00e4 muutos on voimassa 1.1.2021 &#8211; 30.9.2021 v\u00e4lisen\u00e4 aikana.<\/span><\/p>\n<p>Covid-19 kriisi on aiheuttanut monelle taloudellisesti hankalan tilanteen ja suomen hallitus on halunnut turvata kuluttajan asemaa asettamalla tiettyj\u00e4 v\u00e4liaikaisella lailla m\u00e4\u00e4r\u00e4ttyj\u00e4 rajoituksia. Rajoituksia on s\u00e4\u00e4detty v\u00e4liaikaisesti kuluttajaluotoille koskien niiden korkoja ja markkinointia.<\/p>\n<h2>Kuluttajaluotoille 10% korkokatto 30.9.2021 saakka<\/h2>\n<p>Suurin muutos kuluttajan kannalta on korkokaton putoaminen aikaisemmasta 20 prosentista 10 prosenttiin. Korkokatto koskee kaikkia uusia kulutusluottoja, joustoluottoja, pikaluottoja ja pikavippej\u00e4, sek\u00e4 vanhojen jo ennen lain voimaantuloa my\u00f6nnettyjen joustoluottojen uusia nostoja. Kuitenkin, sen ulkopuolelle j\u00e4\u00e4v\u00e4t hy\u00f6dykesidonnaiset luotot, kuten luottokortit, autolainat tai osamaksukaupat. My\u00f6sk\u00e4\u00e4n lain vaikutuksen piiriss\u00e4 eiv\u00e4t ole yritysluottojen korot, joihin muutos ei vaikuta mill\u00e4\u00e4n tavalla &#8211; sill\u00e4 ne eiv\u00e4t ole kuluttajaluottoja eli kulutusluottoja.<\/p>\n<h3>Mit\u00e4 t\u00e4m\u00e4 korkokatto k\u00e4yt\u00e4nn\u00f6ss\u00e4 tarkoittaa?<\/h3>\n<p>S\u00e4\u00e4detty korkokatto tarkoittaa sit\u00e4, ett\u00e4 vaikka olisit jo aiemmin ottanut luoton yli 10% korolla, eiv\u00e4t pankit ja lainanantajat saa peri\u00e4 yli 10% korkoa aikav\u00e4lill\u00e4 1.1.2021 &#8211; 30.9.2020 nostetusta luotosta. Lainanantajat eiv\u00e4t my\u00f6sk\u00e4\u00e4n voi t\u00e4ll\u00e4 s\u00e4\u00e4detyll\u00e4 aikav\u00e4lill\u00e4 korottaa luottosopimuksen johdosta peritt\u00e4vi\u00e4 maksuja. T\u00e4ss\u00e4 kannattaa olla valveutunut ja muista omat oikeudet tilanteessa, jos huomaat lainantarjoajan laskuttavan korkeampaa korkoa uudesta luoton nostosta <strong>vanhalle luotolle.<\/strong><\/p>\n<p>Huomioitavaa on kuitenkin, ett\u00e4 luottojen korko nousee normaalille tasolle aikaisintaan 1.10.2021 &#8211; Ellei lakia jostain syyst\u00e4 edelleen pidennet\u00e4. Musita t\u00e4m\u00e4 mieless\u00e4 ja <strong>erityisesti uutta luottoa hakiessasi. <\/strong>\u00c4l\u00e4 p\u00e4\u00e4dy ottamaan lainaa jonka korko nousee korkeammalle, kuin odotit joulukuun j\u00e4lkeen. Lainanantajat ilmoittavat t\u00e4m\u00e4n kyll\u00e4 hyvin selke\u00e4sti ehdoissaan, mutta ongelmana on ettei n\u00e4it\u00e4 ehtoja lueta liiankaan usein.<\/p>\n<p>Lainantajien tulee siis verkkosivuillansa (jos laina haetaan verkosta, muulloin asia kerrotaan lainaneuvotteluissa ja lainasopimuksessa) ilmoittaa lainan alkuper\u00e4inen korko ja asia tulee mainita <strong>v\u00e4hint\u00e4\u00e4n yht\u00e4 n\u00e4kyv\u00e4sti kuin v\u00e4liaikainen 10% korko<\/strong>, joten ik\u00e4vi\u00e4 yll\u00e4tyksi\u00e4 ei voisi t\u00e4t\u00e4 s\u00e4\u00e4nt\u00f6\u00e4 noudattamalla synty\u00e4. Olehan kuitenkin tarkkaavainen asiassa ja laske ett\u00e4 pystyt takuulla maksamaan lainan takaisin, my\u00f6s joulukuun j\u00e4lkeisell\u00e4 normaalilla korkotasolla, mik\u00e4li se on yli nyt s\u00e4\u00e4detyn 10% korkotason.<\/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<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>KORKOKATTO: KORKOTASO NYT ALK. 4% JA KORKEINTAAN 10% Kuinka paljon tarvitset lainaa? Tee Hakemus verkossa Kilpailuta laina kokonaan verkossa. Edellytykset lainatarjouksen saamiselle: Olet v\u00e4hint\u00e4\u00e4n 20-vuotias Sinulla on s\u00e4\u00e4nn\u00f6lliset tulot(palkka- tai el\u00e4ketulot) Puhtaat luottotiedot Palvelun k\u00e4ytt\u00f6 on 100% ilmaista eik\u00e4 sido sinua mihink\u00e4\u00e4n. Tarkista oma autolainan korkotasosi, ilman sitoumuksia. Tarjous lainasta yli 20 pankin kesken kilpailutettuna [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7853,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false},"categories":[63],"tags":[52,65,64],"_links":{"self":[{"href":"https:\/\/kulutusluottovertailu.info\/wp-json\/wp\/v2\/posts\/8147"}],"collection":[{"href":"https:\/\/kulutusluottovertailu.info\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kulutusluottovertailu.info\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kulutusluottovertailu.info\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kulutusluottovertailu.info\/wp-json\/wp\/v2\/comments?post=8147"}],"version-history":[{"count":0,"href":"https:\/\/kulutusluottovertailu.info\/wp-json\/wp\/v2\/posts\/8147\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kulutusluottovertailu.info\/wp-json\/wp\/v2\/media\/7853"}],"wp:attachment":[{"href":"https:\/\/kulutusluottovertailu.info\/wp-json\/wp\/v2\/media?parent=8147"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kulutusluottovertailu.info\/wp-json\/wp\/v2\/categories?post=8147"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kulutusluottovertailu.info\/wp-json\/wp\/v2\/tags?post=8147"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}