Housing loan benefits
Use these considerable benefits when planning on a housing loan! Danske Bank housing loan without delivery and origination fees for union members, which, for example, means that you save €1,200 on a loan of €200,000. In addition, you will get a lower margin as well as instalment free periods without fees.
Benefits for TEK members
- No delivery or origination fees
- Instalment-free periods of 4-12 months without delivery charges – you save €200 each time
- Payment programme with instalment levels that suit your life
- Up to 50% cheaper daily banking services
- 40% increase in loan protection insurance compensation in compensation events
Read more about the housing loan benefit or apply for a loan! You can contact Danske Bank's experts by phone at +358 200 25880.
Read more and apply for a loan
Check the environmental sustainability of your home at kestavakoti.fi (only available in Finnish). Gaia Consulting is responsible for the provision and expertise of the service, which is sponsored by Danske Bank.
The normal delivery and origination fee for a housing loan is 0.60% of the loan capital, subject to a minimum of €300. This is not an offer from the bank. Loan terms and conditions are agreed personally. The minimum margins in force are taken into account in loan pricing. Your loan quote will show the price with and without union membership. Eligibility for a loan, credit card and instalment-free periods requires a positive credit decision. Danske Bank checks the customer’s credit report with Suomen Asiakastieto Oy when making the 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 4.334% (4.510% Average Percentage Rate calculated according to the Consumer Protection Act). The total amount of the credit and other credit expenses is €282,341.45, 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 5 January 2024.
Danske Harvest Account
You get a risk-free return on your savings from the Danske Harvest Account. The account is free of charge, and competitive interest (3-month Euribor -0.9%) is paid for deposits in the account right from the very first euro. The account is ideal for saving a buffer, as the money is easily available to you when needed.
Benefit loan
Danske Bank offers its current customers who are members of TEK a Benefit loan, i.e. financing for a temporary need with a lowered margin. It is an unsecured loan, the amount of which can be 5,000–25,000 euros and the margin is 4.9% (typically 7%).
Investment services benefits
- Free equity custody (domestic and international), also applies to equity savings accounts – you save €2/month
- Brokerage fees starting automatically at price level 2 (0.12%, min. €5), also applies to equity savings accounts
- Banking IDs and an account for your investments for €0/month (normal price without other transactions €5.50/month)
- Free Real-Time service for investors – you save €1.95/month
- Analysis service for investors free for 3 months, after which at a 50% discount on the monthly price (normal price €8.95/month)
- 15% discount on asset management and advice fees
Additional benefit of services of legal specialist in family law for business customers who invest: free assessment appointment and €100 benefit on assignments to draw up family law documents in conjunction with signing up for one of the above service packages.
Benefits for recent graduates
Have you graduated less than two years ago? As a recent graduate, you can get annual benefits worth more than €750:
- Danske Platinum Plus - daily banking service package without a monthly charge
- Mastercard Platinum credit card without an annual charge. The card’s Priority Pass feature gives you four free airport lounge visits a year
- Benefit loan without an opening fee – you save €90
- You also have access to housing loan, savings and investment benefits
You can save as much as €750 a year on your banking services
Example calculation of benefits when you are a recent graduate over 27 years old, your transactions with the bank are between €10,000 and €49,999 per year, your credit card credit limit is €4,000, you make investments 12 times a year and you take out a housing loan of €50,000: benefit on Danske Platinum Plus daily banking service package €4.80/month = €57.60; benefit on Mastercard Platinum credit card annual fee €76; benefit on Priority Pass 1st year basic level and 2 visits €209/year; benefit on investments (2 + 5 + 1.95) x 12 = €107.40; benefit on housing loan origination fee €300; = total of €750 (calculation based on situation at 23 August 2023)
The partner services included in TEK's membership benefits and the benefits provided by the partners are subject to the the service provider's terms of service and data protection.