Danske Bank offers personal members of the Finnish Landlord Association significant benefits in housing loans, investment services and everyday banking services.
The benefits apply to private persons, not to business IDs or associations. In other words only personal members are eligible for the benefits.
Read more and access the benefits
Housing loan benefits
Housing loan without fees
We will not charge you delivery or origination fees for a housing loan. The normal delivery and origination fee for a housing loan is 0.60% of the loan capital, subject to a minimum of €300.
Investment property loan without fees
We will not charge you delivery or origination fees for an investment property loan. The normal delivery and origination fee for the loan is 0.60% of the loan capital, subject to a minimum of €300.
Instalment-free periods without fees
You can apply for a total of 12 instalment-free months (1-3 months at a time each year) during the loan period. You save €200 for each instalment-free period granted.
The product is Housing Loan Steady. The loan and instalment-free benefits apply to new loans. Eligibility for a loan, a credit card and instalment-free periods require a positive credit decision.
Example housing loan: If the customer takes a housing loan of €170 000 where the loan term is 25 years and the reference rate for the loan is the 12-month Euribor, the total interest rate of the loan would be 3.031% (3.160% Average Percentage Rate calculated according to the Consumer Protection Act). The total amount of the credit and other credit expenses is €245,675.21, including the origination fee of €1,020 and an automatic account debiting charge of €2.70/payment. The number of payments is 300. The example has been calculated based on interest information valid on 02.12.2024.
Saving and investor benefits
Danske Harvest Account – rewarding and flexible account saving
We pay a competitive rate of interest (3-month Euribor – 0.9%) on deposits in a Danske Harvest Account from the very first euro. You can make up to five free withdrawals each month. The account is free and suitable for example as a rent payment account for an investment property or to build up a deposit for your next investment property.
Free monthly trading service and equity custody
Danske Trade Online for stock trading and the custody of domestic and international equities for €0/month. The benefit also applies to equity savings accounts. Save up to €4/month.
Lower trading fees
Brokerage fees starting automatically at price level 2 (0.12%, min. €5)
Free Real-Time service
Real-time Nordic stock exchange prices and real-time Kauppalehti news – save €1.95/month
10% discount on asset management and investment advice
You get a 10% discount on Danske Delegate asset management fees and Danske Advice advice fees.
Danske Premium benefit
Danske Premium service at a 50%, just €6.25/month.
The benefits apply to private persons not to business IDs or associations.
Benefits on daily banking services
You get a 50% discount on the monthly charge for the Danske Platinum Plus daily service package and on the annual charge for the Mastercard Platinum credit card.
The interest rate of Mastercard Platinum credit is the three-month Euribor + 9 percentage points. The Annual Percentage Rate of the credit card is 16.8%, calculated for a credit of €4,000 (02.12.2024). The estimated total amount payable of credit and interest and fees is €4,339.96, calculated for a credit of €4,000 (02.12.2024). The estimated total amount of credit payable and the Annual Percentage Rate have been calculated with the assumption that the credit period is one year, the credit has been disbursed entirely, the interest rate of the credit is 12.0% and the annual fee is €76 remain unchanged throughout the credit term, and the credit is paid back in 12 equal payments one month apart. The agreement is valid until further notice. The interest rate changes every three months, according to the reference rate of the first business day in March, June, September and December. The credit is granted by Danske Bank A/S, Finland Branch.
Danske Bank A/S, Finland Branch Registered domicile and address Helsinki, Televisiokatu 1, 00075 DANSKE BANK. Business ID 1078693-2. Danske Bank A/S Copenhagen CVR number 61 12 62 28.