{"id":563,"date":"2026-08-24T10:54:26","date_gmt":"2026-08-24T10:54:26","guid":{"rendered":"https:\/\/www.lainafy.com\/sanasto\/nimelliskorko\/"},"modified":"2026-08-24T10:54:26","modified_gmt":"2026-08-24T10:54:26","slug":"nimelliskorko","status":"publish","type":"sanasto","link":"https:\/\/www.lainafy.com\/en\/sanasto\/nimelliskorko\/","title":{"rendered":"Nimelliskorko"},"content":{"rendered":"<p>Nimelliskorko on lainan puhtaasti p\u00e4\u00e4omasta veloitettava korko, joka ilmoitetaan lainatarjouksessa vuosikorkona. Se on lainan <strong>peruskorko ilman muita kuluja<\/strong> kuten avausmaksuja tai tilinhoitomaksuja.<\/p>\n<h2>Nimelliskorko vs. todellinen vuosikorko<\/h2>\n<p>Nimelliskorko on vain osa lainan kokonaishintaa. <a href=\"\/sanasto\/todellinen-vuosikorko\/\">Todellinen vuosikorko<\/a> sis\u00e4lt\u00e4\u00e4 nimelliskoron lis\u00e4ksi kaikki muut lainakulut, ja on siksi ainoa luotettava vertailuluku eri lainatarjousten v\u00e4lill\u00e4.<\/p>\n<h2>Miten nimelliskorko m\u00e4\u00e4r\u00e4ytyy?<\/h2>\n<p>Kuluttajaluottojen nimelliskorko m\u00e4\u00e4r\u00e4ytyy tyypillisesti seuraavien tekij\u00f6iden perusteella:<\/p>\n<ul>\n<li><strong>Yleiset markkinakorot<\/strong>: keskuspankkien ohjauskorot vaikuttavat suoraan lainanantajien rahoituskustannuksiin<\/li>\n<li><strong>Hakijan luottokelpoisuus<\/strong>: mit\u00e4 paremmat <a href=\"\/sanasto\/luottotieto\/\">luottotiedot<\/a>, sit\u00e4 alempi korko<\/li>\n<li><strong>Lainasumma ja laina-aika<\/strong>: pidemm\u00e4t ja suuremmat lainat ovat usein korkokannaltaan edullisempia<\/li>\n<li><strong>Vakuudet<\/strong>: <a href=\"\/sanasto\/vakuudeton-laina\/\">vakuudettomat lainat<\/a> ovat kalliimpia kuin vakuudelliset<\/li>\n<\/ul>\n<h2>Kiinte\u00e4 vai vaihtuva nimelliskorko?<\/h2>\n<p>Nimelliskorko voi olla kiinte\u00e4 tai vaihtuva:<\/p>\n<ul>\n<li><strong>Kiinte\u00e4 korko<\/strong>: pysyy samana koko laina-ajan. Antaa ennustettavuutta mutta on yleens\u00e4 hieman korkeampi lainauksen alkaessa.<\/li>\n<li><strong>Vaihtuva korko<\/strong>: sidottu esimerkiksi Euribor-viitekorkoon + marginaali. Muuttuu markkinatilanteen mukaan. Voi olla halvempi mutta sis\u00e4lt\u00e4\u00e4 enemm\u00e4n riski\u00e4.<\/li>\n<\/ul>\n<p>Kulutusluotoissa vaihtuva korko on tyypillisesti sidottu 3 tai 12 kuukauden <em>Euriboriin<\/em> lis\u00e4ttyn\u00e4 pankin marginaalilla.<\/p>\n<h2>Vinkki lainanhakijalle<\/h2>\n<p>\u00c4l\u00e4 valitse lainaa pelk\u00e4n nimelliskoron perusteella. Kysy aina my\u00f6s <strong>todellista vuosikorkoa<\/strong> ja tarkista kokonaiskustannukset koko laina-ajalta. Vertailu on ainoa keino varmistaa, ett\u00e4 saat parhaan tarjouksen.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nimelliskorko on lainan peruskorko ilman muita kuluja. Se ei kerro lainan kokonaishintaa \u2013 vertaa aina todellisen vuosikoron perusteella.<\/p>\n","protected":false},"menu_order":0,"template":"","sanasto_ryhma":[34],"class_list":["post-563","sanasto","type-sanasto","status-publish","hentry","sanasto_ryhma-korot-ja-kulut"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Nimelliskorko - 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\/sanasto\/nimelliskorko\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nimelliskorko - Lainafy\" \/>\n<meta property=\"og:description\" content=\"Nimelliskorko on lainan peruskorko ilman muita kuluja. 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