{"id":564,"date":"2026-08-24T10:54:26","date_gmt":"2026-08-24T10:54:26","guid":{"rendered":"https:\/\/www.lainafy.com\/sanasto\/annuiteettilaina\/"},"modified":"2026-08-24T10:54:26","modified_gmt":"2026-08-24T10:54:26","slug":"annuiteettilaina","status":"publish","type":"sanasto","link":"https:\/\/www.lainafy.com\/en\/sanasto\/annuiteettilaina\/","title":{"rendered":"Annuiteettilaina"},"content":{"rendered":"<p>Annuiteettilaina on Suomessa yleisin kuluttajaluoton takaisinmaksutapa. Siin\u00e4 kuukausier\u00e4 pysyy <strong>samana koko laina-ajan<\/strong>, kunhan korko ei muutu. T\u00e4m\u00e4 tekee talouden suunnittelusta helppoa ja ennustettavaa.<\/p>\n<h2>Miten annuiteettilaina toimii?<\/h2>\n<p>Vaikka kuukausier\u00e4 on aina sama, sen sis\u00e4inen jakautuminen muuttuu ajan my\u00f6t\u00e4:<\/p>\n<ul>\n<li><strong>Alussa:<\/strong> suurin osa er\u00e4st\u00e4 menee koron maksuun ja pienempi osa lyhennykseen<\/li>\n<li><strong>Lopussa:<\/strong> tilanne on p\u00e4invastainen \u2013 suurin osa er\u00e4st\u00e4 lyhent\u00e4\u00e4 lainap\u00e4\u00e4omaa, koska korkoa maksetaan pienemm\u00e4st\u00e4 velasta<\/li>\n<\/ul>\n<h2>Esimerkki: 10 000 \u20ac annuiteettilaina, 60 kk, 6 % korko<\/h2>\n<ul>\n<li>Kuukausier\u00e4: 193 \u20ac (pysyy samana joka kuukausi)<\/li>\n<li>Ensimm\u00e4isen kuukauden korko: ~50 \u20ac, lyhennys ~143 \u20ac<\/li>\n<li>Viimeisen kuukauden korko: ~1 \u20ac, lyhennys ~192 \u20ac<\/li>\n<li>Kokonaiskorkokulut koko laina-ajalta: ~1 599 \u20ac<\/li>\n<\/ul>\n<h2>Annuiteetin edut<\/h2>\n<ol>\n<li><strong>Ennustettavuus<\/strong>: aina sama eurom\u00e4\u00e4r\u00e4 helpottaa budjetointia<\/li>\n<li><strong>Vertailtavuus<\/strong>: eri lainat on helppo asettaa rinnakkain<\/li>\n<li><strong>Yleisyys<\/strong>: l\u00e4hes kaikki kuluttajaluotot Suomessa ovat annuiteettilainoja<\/li>\n<\/ol>\n<h2>Muut takaisinmaksutavat<\/h2>\n<ul>\n<li><strong>Tasalyhennys<\/strong>: joka kuukausi maksetaan sama m\u00e4\u00e4r\u00e4 p\u00e4\u00e4omaa + korko. Kuukausier\u00e4 on alussa suuri, mutta pienenee ajan my\u00f6t\u00e4.<\/li>\n<li><strong>Bullet-laina<\/strong>: koko p\u00e4\u00e4oma maksetaan lopussa yhdell\u00e4 kertaa. Kuukausittain maksetaan vain korkoa.<\/li>\n<li><strong>Kiinte\u00e4 tasaer\u00e4<\/strong>: annuiteettia muistuttava, mutta joissakin luotoissa er\u00e4 voi hieman muuttua koron my\u00f6t\u00e4.<\/li>\n<\/ul>\n<h2>Milloin annuiteetti kannattaa?<\/h2>\n<p>Annuiteettilaina sopii l\u00e4hes kaikkiin tilanteisiin joissa halutaan ennustettavuutta ja tasainen kuukausikulu. <a href=\"\/sanasto\/kulutusluotto\/\">Kulutusluotot<\/a>, <a href=\"\/sanasto\/autolaina\/\">autolainat<\/a>, remonttilainat ja jopa asuntolainat maksetaan l\u00e4hes aina annuiteettina.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Annuiteettilainassa kuukausier\u00e4 pysyy samana koko laina-ajan. Er\u00e4st\u00e4 yh\u00e4 suurempi osa menee p\u00e4\u00e4omaan sit\u00e4 mukaa kun korko-osuus pienenee.<\/p>\n","protected":false},"menu_order":0,"template":"","sanasto_ryhma":[35],"class_list":["post-564","sanasto","type-sanasto","status-publish","hentry","sanasto_ryhma-lainatyypit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Annuiteettilaina - 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\/annuiteettilaina\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Annuiteettilaina - Lainafy\" \/>\n<meta property=\"og:description\" content=\"Annuiteettilainassa kuukausier\u00e4 pysyy samana koko laina-ajan. 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