{"id":567,"date":"2026-08-24T10:54:26","date_gmt":"2026-08-24T10:54:26","guid":{"rendered":"https:\/\/www.lainafy.com\/sanasto\/yhdistelylaina\/"},"modified":"2026-08-24T10:54:26","modified_gmt":"2026-08-24T10:54:26","slug":"yhdistelylaina","status":"publish","type":"sanasto","link":"https:\/\/www.lainafy.com\/en\/sanasto\/yhdistelylaina\/","title":{"rendered":"Consolidation loan"},"content":{"rendered":"<p>Yhdistelylaina on kuluttajalaina, jonka p\u00e4\u00e4asiallinen tarkoitus on yhdist\u00e4\u00e4 useat pienemm\u00e4t velat yhdeksi suuremmaksi ja edullisemmaksi lainaksi. Sen avulla saat <strong>yhden kuukausier\u00e4n<\/strong>, <strong>alemman kokonaiskoron<\/strong> ja usein <strong>lyhemm\u00e4n takaisinmaksuajan<\/strong>.<\/p>\n<h2>Milloin yhdistelylaina kannattaa?<\/h2>\n<p>Yhdistely on hy\u00f6dyllist\u00e4, jos sinulla on:<\/p>\n<ul>\n<li>Useita pieni\u00e4 <a href=\"\/sanasto\/kulutusluotto\/\">kulutusluottoja<\/a><\/li>\n<li>Luottokorttivelkoja korkealla korolla<\/li>\n<li>Erilaisia <a href=\"\/sanasto\/pikalaina\/\">pikalainoja<\/a><\/li>\n<li>Osamaksusopimuksia joilla on korkea todellinen vuosikorko<\/li>\n<li>Vaikeuksia pit\u00e4\u00e4 mieless\u00e4 eri er\u00e4p\u00e4iv\u00e4t<\/li>\n<\/ul>\n<h2>Miten yhdistelylaina toimii?<\/h2>\n<ol>\n<li>Kartoita kaikki nykyiset velkasi (summat, korot, kuukausier\u00e4t)<\/li>\n<li>Laske yhteen niiden kokonaissumma \u2013 t\u00e4m\u00e4 on <strong>yhdistelylainan tavoitesumma<\/strong><\/li>\n<li>Hae yhdistelylainaa vertailemalla useita lainanantajia<\/li>\n<li>Kun saat lainatarjouksen, k\u00e4yt\u00e4 rahat <strong>vanhojen lainojen maksuun<\/strong><\/li>\n<li>Sulje maksetut velat, jotta et voi k\u00e4ytt\u00e4\u00e4 niit\u00e4 uudelleen<\/li>\n<\/ol>\n<h2>Esimerkkilaskelma: s\u00e4\u00e4st\u00f6 yhdistelyll\u00e4<\/h2>\n<p><strong>Ennen yhdistely\u00e4:<\/strong><\/p>\n<ul>\n<li>Luottokortti: 3 000 \u20ac, 22 % korko, kuukausier\u00e4 150 \u20ac<\/li>\n<li>Pikalaina: 2 000 \u20ac, 30 % korko, kuukausier\u00e4 120 \u20ac<\/li>\n<li>Kulutusluotto: 5 000 \u20ac, 15 % korko, kuukausier\u00e4 200 \u20ac<\/li>\n<li>Yhteens\u00e4: 10 000 \u20ac, kuukausier\u00e4t 470 \u20ac, keskikorko ~19 %<\/li>\n<\/ul>\n<p><strong>Yhdistelyn j\u00e4lkeen:<\/strong><\/p>\n<ul>\n<li>Yhdistelylaina: 10 000 \u20ac, 8 % korko, 60 kk maksuaika, kuukausier\u00e4 202 \u20ac<\/li>\n<li>S\u00e4\u00e4st\u00f6 kuukaudessa: <strong>268 \u20ac<\/strong><\/li>\n<li>S\u00e4\u00e4st\u00f6 korkokuluissa yhteens\u00e4: <strong>useita tuhansia euroja<\/strong><\/li>\n<\/ul>\n<h2>Vinkkej\u00e4 onnistuneeseen yhdistelyyn<\/h2>\n<ul>\n<li>Vertaile lainatarjoukset \u2013 <a href=\"\/sanasto\/todellinen-vuosikorko\/\">todellinen vuosikorko<\/a> ratkaisee<\/li>\n<li>\u00c4l\u00e4 ota isompaa lainaa kuin tarpeen<\/li>\n<li>Sulje vanhat luottokortit heti kun maksat ne pois<\/li>\n<li>V\u00e4lt\u00e4 uusien luottojen ottamista yhdistelyn j\u00e4lkeen<\/li>\n<li>Rakenna s\u00e4\u00e4st\u00f6puskuri jotta uudelle kulutusluotolle ei olisi tarvetta<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Yhdistelylaina on suurempi laina, jolla maksat pois useat pienemm\u00e4t lainat ja luottokortit. S\u00e4\u00e4st\u00e4t korkokuluissa ja saat yhden selke\u00e4n kuukausier\u00e4n.<\/p>\n","protected":false},"menu_order":0,"template":"","sanasto_ryhma":[35],"class_list":["post-567","sanasto","type-sanasto","status-publish","hentry","sanasto_ryhma-lainatyypit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Yhdistelylaina - 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\/yhdistelylaina\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Yhdistelylaina - Lainafy\" \/>\n<meta property=\"og:description\" content=\"Yhdistelylaina on suurempi laina, jolla maksat pois useat pienemm\u00e4t lainat ja luottokortit. 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