{"id":155,"date":"2026-05-11T19:11:56","date_gmt":"2026-05-11T19:11:56","guid":{"rendered":"https:\/\/www.lainafy.com\/lainan-kuukausiera-laskenta\/"},"modified":"2026-05-12T08:32:06","modified_gmt":"2026-05-12T08:32:06","slug":"lainan-kuukausiera-laskenta","status":"publish","type":"post","link":"https:\/\/www.lainafy.com\/en\/lainan-kuukausiera-laskenta\/","title":{"rendered":"Loan monthly installment \u2013 How to calculate it correctly"},"content":{"rendered":"<p>A loan&#8217;s monthly installment is the amount paid monthly that consists of principal repayment and interest. In this guide we explain how the monthly installment is calculated, what factors affect its size, and how you can reduce it reasonably.<\/p>\n<h2>What is a loan&#8217;s monthly installment?<\/h2>\n<p>The monthly installment is the amount you pay each month to the lender. It includes:<\/p>\n<ul>\n<li><strong>Principal repayment<\/strong> \u2013 paying back the loan principal<\/li>\n<li><strong>Interest<\/strong> \u2013 the cost of the loan<\/li>\n<li><strong>Monthly fee<\/strong> \u2013 optional account maintenance fee (if the lender charges one)<\/li>\n<\/ul>\n<h2>How is the monthly installment calculated?<\/h2>\n<p>The most common loan type in Finland is an <strong>annuity loan<\/strong>, where the monthly installment stays the same throughout the repayment period. In the early stages, a large portion of the installment goes to interest, while the principal share grows over time.<\/p>\n<p>Another common type is the <strong>straight-line loan<\/strong>, where the monthly installment gradually decreases as principal repayment stays the same and interest decreases on the remaining principal.<\/p>\n<h2>Example calculations for different loan amounts<\/h2>\n<h3>\u20ac10,000 loan, 5-year repayment period<\/h3>\n<ul>\n<li>Effective annual rate 8%: monthly installment approx. <strong>\u20ac203<\/strong>, total interest approx. \u20ac2,165<\/li>\n<li>Effective annual rate 12%: monthly installment approx. <strong>\u20ac222<\/strong>, total interest approx. \u20ac3,350<\/li>\n<\/ul>\n<h3>\u20ac20,000 loan, 10-year repayment period<\/h3>\n<ul>\n<li>Effective annual rate 8%: monthly installment approx. <strong>\u20ac243<\/strong>, total interest approx. \u20ac9,110<\/li>\n<li>Effective annual rate 12%: monthly installment approx. <strong>\u20ac287<\/strong>, total interest approx. \u20ac14,440<\/li>\n<\/ul>\n<div class=\"lainafy-cta-block\">\n<h3>Compare loans now<\/h3>\n<p>See all offers side by side \u2013 free and without commitment.<\/p>\n<p><a href=\"\/?lang=en#vertailu\" class=\"lainafy-btn lainafy-btn--accent lainafy-btn--lg\">Start loan comparison \u2192<\/a><\/p>\n<\/div>\n<h2>How to reduce the monthly installment<\/h2>\n<ol>\n<li><strong>Longer repayment period<\/strong> \u2013 reduces monthly installment but increases total interest costs.<\/li>\n<li><strong>Lower rate<\/strong> \u2013 <a href=\"\/?lang=en\/mita-lainan-kilpailutus-tarkoittaa\/\">comparison<\/a> can drop the rate by several percentage points.<\/li>\n<li><strong>Smaller loan amount<\/strong> \u2013 consider whether you really need the full amount.<\/li>\n<li><strong>Consolidation loan<\/strong> \u2013 if you have several small loans at high rates, <a href=\"\/?lang=en\/lainojen-yhdistaminen-opas\/\">consolidation<\/a> can significantly reduce monthly costs.<\/li>\n<\/ol>\n<h2>What does the monthly installment affect?<\/h2>\n<p>The monthly installment is one of the most important metrics for a borrower. It affects:<\/p>\n<ul>\n<li><strong>Your ability to pay<\/strong> \u2013 can you pay the installment every month?<\/li>\n<li><strong>Your daily budget<\/strong> \u2013 how much is left for other expenses?<\/li>\n<li><strong>Loan approval<\/strong> \u2013 the lender evaluates your repayment ability relative to the installment.<\/li>\n<\/ul>\n<h2>The 30% rule<\/h2>\n<p>The general recommendation is that all your loan installments combined should not exceed <strong>30% of your net income<\/strong>. <a href=\"\/?lang=en\/kuinka-paljon-kannattaa-lainata\/\">Read more about how much loan you can reasonably take.<\/a><\/p>\n<h2>Use a loan calculator<\/h2>\n<p>Lainafy&#8217;s loan calculator helps you see the concrete monthly installment with your chosen loan amount, rate and repayment period \u2013 without registration.<\/p>\n<div class=\"lainafy-cta-block\">\n<h3>Save hundreds by comparing<\/h3>\n<p>Compare loans now \u2013 it takes less than a minute.<\/p>\n<p><a href=\"\/?lang=en#vertailu\" class=\"lainafy-btn lainafy-btn--accent lainafy-btn--lg\">Start comparison \u2192<\/a><\/p>\n<\/div>\n<h2>Frequently asked questions<\/h2>\n<h3>Can the monthly installment be changed during the loan period?<\/h3>\n<p>Many lenders allow changes to the monthly installment during the loan \u2013 either extending the period to reduce installments or vice versa. Check the terms of your loan agreement.<\/p>\n<h3>Is the monthly installment the same every month?<\/h3>\n<p>In an annuity loan, yes. In a straight-line loan, the installment decreases over time as interest costs go down.<\/p>\n<h3>Can the monthly installment be paid in advance?<\/h3>\n<p>Yes, most Finnish consumer loans can be repaid early without additional fees under consumer protection law.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A loan&#8217;s monthly installment consists of principal repayment and interest. Read how it&#8217;s calculated, what affects it, and how you can reduce it.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-155","post","type-post","status-publish","format-standard","hentry","category-talous"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Lainan kuukausier\u00e4 \u2013 N\u00e4in lasket sen oikein - Lainafy<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lainafy.com\/lainan-kuukausiera-laskenta\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lainan kuukausier\u00e4 \u2013 N\u00e4in lasket sen oikein - Lainafy\" \/>\n<meta property=\"og:description\" content=\"A loan&#039;s monthly installment consists of principal repayment and interest. 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