{"id":570,"date":"2026-08-24T10:54:26","date_gmt":"2026-08-24T10:54:26","guid":{"rendered":"https:\/\/www.lainafy.com\/sanasto\/maksuhairiomerkinta\/"},"modified":"2026-08-24T10:54:26","modified_gmt":"2026-08-24T10:54:26","slug":"maksuhairiomerkinta","status":"publish","type":"sanasto","link":"https:\/\/www.lainafy.com\/en\/sanasto\/maksuhairiomerkinta\/","title":{"rendered":"Maksuh\u00e4iri\u00f6merkint\u00e4"},"content":{"rendered":"

Maksuh\u00e4iri\u00f6merkint\u00e4 on luottotietoihisi<\/a> teht\u00e4v\u00e4 merkint\u00e4 siit\u00e4, ett\u00e4 olet laiminly\u00f6nyt maksun tai velkasi. Se on Suomessa vakava taloudellinen tapahtuma<\/strong>, joka vaikuttaa moneen el\u00e4m\u00e4n osa-alueeseen.<\/p>\n

Milloin maksuh\u00e4iri\u00f6merkint\u00e4 syntyy?<\/h2>\n

Merkint\u00e4 ei tule yhdest\u00e4 my\u00f6h\u00e4styneest\u00e4 maksusta. Prosessi etenee tyypillisesti n\u00e4in:<\/p>\n

    \n
  1. Laskun er\u00e4p\u00e4iv\u00e4 ohittuu<\/strong> \u2013 ei viel\u00e4 merkint\u00e4\u00e4<\/li>\n
  2. Maksumuistutus<\/strong> l\u00e4hetet\u00e4\u00e4n noin 14 p\u00e4iv\u00e4n kuluttua \u2013 ei viel\u00e4 merkint\u00e4\u00e4<\/li>\n
  3. Toinen muistutus<\/strong> tai vaatimus l\u00e4hetet\u00e4\u00e4n noin 30 p\u00e4iv\u00e4n kuluttua \u2013 ei viel\u00e4 merkint\u00e4\u00e4<\/li>\n
  4. Perint\u00e4yhti\u00f6 ottaa asian<\/strong> haltuunsa \u2013 ei viel\u00e4 merkint\u00e4\u00e4, mutta kulut nousevat<\/li>\n
  5. Tuomioistuink\u00e4sittely<\/strong> ja tuomio \u2013 t\u00e4ss\u00e4 syntyy merkint\u00e4<\/strong><\/li>\n<\/ol>\n

    My\u00f6s velkojen laiminly\u00f6nti pidemm\u00e4n ajan yli (yleens\u00e4 60+ p\u00e4iv\u00e4\u00e4) johtaa merkint\u00e4\u00e4n, kun perint\u00e4yhti\u00f6 vie asian tuomioistuimeen.<\/p>\n

    Kuinka kauan merkint\u00e4 s\u00e4ilyy?<\/h2>\n
      \n
    • Maksettu velka:<\/strong> merkint\u00e4 poistuu 2 vuoden kuluessa maksusta<\/li>\n
    • Maksamaton velka:<\/strong> merkint\u00e4 s\u00e4ilyy jopa 3 vuotta viimeisen perint\u00e4toimen j\u00e4lkeen<\/li>\n
    • Uusi merkint\u00e4<\/strong>: uudistaa laskurin ja voi pident\u00e4\u00e4 s\u00e4ilytysaikaa<\/li>\n<\/ul>\n

      Mit\u00e4 maksuh\u00e4iri\u00f6merkint\u00e4 est\u00e4\u00e4?<\/h2>\n

      Merkint\u00e4 vaikuttaa moniin arjen asioihin:<\/p>\n

        \n
      • Uuden lainan tai luottokortin saaminen k\u00e4yt\u00e4nn\u00f6ss\u00e4 mahdotonta<\/li>\n
      • Puhelinliittym\u00e4n avaaminen laskulla vaikeaa<\/li>\n
      • Vuokra-asunnon saanti hankalaa<\/li>\n
      • Osamaksujen kauppa vaikeaa<\/li>\n
      • S\u00e4hk\u00f6sopimuksen saanti voi vaatia ennakkomaksun<\/li>\n
      • Ty\u00f6haku joillekin aloille (esim. rahoitusala) voi vaikeutua<\/li>\n<\/ul>\n

        Miten toimit jos sinulla on maksuh\u00e4iri\u00f6merkint\u00e4?<\/h2>\n
          \n
        1. Maksa velat pois<\/strong> \u2013 merkint\u00e4 poistuu 2 vuoden kuluessa maksusta<\/li>\n
        2. Hae velkaj\u00e4rjestely\u00e4<\/strong> jos velkataakka on hallitsematon<\/li>\n
        3. Ota yhteytt\u00e4 kunnan talous- ja velkaneuvontaan<\/strong> \u2013 maksuton palvelu<\/li>\n
        4. Neuvottele perij\u00e4n kanssa<\/strong> maksusuunnitelmasta<\/li>\n
        5. V\u00e4lt\u00e4 uusia luottoja<\/strong> \u2013 ne pahentavat tilannetta<\/li>\n<\/ol>\n

          Voiko lainaa saada maksuh\u00e4iri\u00f6ll\u00e4?<\/h2>\n

          K\u00e4yt\u00e4nn\u00f6ss\u00e4 ei. Vain harvoin joku lainanantaja hyv\u00e4ksyy hakijan, jolla on aktiivinen merkint\u00e4 \u2013 yleens\u00e4 vain hyvin korkeilla koroilla ja vakuuksia vastaan. Kannattavampaa on maksaa merkinn\u00e4n aiheuttanut velka ja odottaa merkinn\u00e4n poistumista.<\/p>\n","protected":false},"excerpt":{"rendered":"

          Maksuh\u00e4iri\u00f6merkint\u00e4 syntyy toistuvasta maksun laiminly\u00f6nnist\u00e4. Se est\u00e4\u00e4 l\u00e4hes kaiken luoton saamisen ja s\u00e4ilyy 2\u20133 vuotta.<\/p>\n","protected":false},"menu_order":0,"template":"","sanasto_ryhma":[36],"class_list":["post-570","sanasto","type-sanasto","status-publish","hentry","sanasto_ryhma-luottotiedot"],"yoast_head":"\nMaksuh\u00e4iri\u00f6merkint\u00e4 - 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\/maksuhairiomerkinta\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Maksuh\u00e4iri\u00f6merkint\u00e4 - Lainafy\" \/>\n<meta property=\"og:description\" content=\"Maksuh\u00e4iri\u00f6merkint\u00e4 syntyy toistuvasta maksun laiminly\u00f6nnist\u00e4. Se est\u00e4\u00e4 l\u00e4hes kaiken luoton saamisen ja s\u00e4ilyy 2\u20133 vuotta.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lainafy.com\/sanasto\/maksuhairiomerkinta\/\" \/>\n<meta property=\"og:site_name\" content=\"Lainafy\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Arvioitu lukuaika\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minuutti\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/sanasto\\\/maksuhairiomerkinta\\\/\",\"url\":\"https:\\\/\\\/www.lainafy.com\\\/sanasto\\\/maksuhairiomerkinta\\\/\",\"name\":\"Maksuh\u00e4iri\u00f6merkint\u00e4 - Lainafy\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/#website\"},\"datePublished\":\"2026-08-24T10:54:26+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/sanasto\\\/maksuhairiomerkinta\\\/#breadcrumb\"},\"inLanguage\":\"fi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.lainafy.com\\\/sanasto\\\/maksuhairiomerkinta\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/sanasto\\\/maksuhairiomerkinta\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Etusivu\",\"item\":\"https:\\\/\\\/www.lainafy.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Sanasto\",\"item\":\"https:\\\/\\\/www.lainafy.com\\\/sanasto\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Maksuh\u00e4iri\u00f6merkint\u00e4\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/#website\",\"url\":\"https:\\\/\\\/www.lainafy.com\\\/\",\"name\":\"Lainafy\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.lainafy.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fi\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/#organization\",\"name\":\"Lainafy\",\"url\":\"https:\\\/\\\/www.lainafy.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fi\",\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.lainafy.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/Lainafy-Logo.png\",\"contentUrl\":\"https:\\\/\\\/www.lainafy.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/Lainafy-Logo.png\",\"width\":1254,\"height\":1254,\"caption\":\"Lainafy\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Maksuh\u00e4iri\u00f6merkint\u00e4 - Lainafy","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.lainafy.com\/sanasto\/maksuhairiomerkinta\/","og_locale":"fi_FI","og_type":"article","og_title":"Maksuh\u00e4iri\u00f6merkint\u00e4 - Lainafy","og_description":"Maksuh\u00e4iri\u00f6merkint\u00e4 syntyy toistuvasta maksun laiminly\u00f6nnist\u00e4. Se est\u00e4\u00e4 l\u00e4hes kaiken luoton saamisen ja s\u00e4ilyy 2\u20133 vuotta.","og_url":"https:\/\/www.lainafy.com\/sanasto\/maksuhairiomerkinta\/","og_site_name":"Lainafy","twitter_card":"summary_large_image","twitter_misc":{"Arvioitu lukuaika":"1 minuutti"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.lainafy.com\/sanasto\/maksuhairiomerkinta\/","url":"https:\/\/www.lainafy.com\/sanasto\/maksuhairiomerkinta\/","name":"Maksuh\u00e4iri\u00f6merkint\u00e4 - Lainafy","isPartOf":{"@id":"https:\/\/www.lainafy.com\/#website"},"datePublished":"2026-08-24T10:54:26+00:00","breadcrumb":{"@id":"https:\/\/www.lainafy.com\/sanasto\/maksuhairiomerkinta\/#breadcrumb"},"inLanguage":"fi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.lainafy.com\/sanasto\/maksuhairiomerkinta\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.lainafy.com\/sanasto\/maksuhairiomerkinta\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Etusivu","item":"https:\/\/www.lainafy.com\/"},{"@type":"ListItem","position":2,"name":"Sanasto","item":"https:\/\/www.lainafy.com\/sanasto\/"},{"@type":"ListItem","position":3,"name":"Maksuh\u00e4iri\u00f6merkint\u00e4"}]},{"@type":"WebSite","@id":"https:\/\/www.lainafy.com\/#website","url":"https:\/\/www.lainafy.com\/","name":"Lainafy","description":"","publisher":{"@id":"https:\/\/www.lainafy.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.lainafy.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fi"},{"@type":"Organization","@id":"https:\/\/www.lainafy.com\/#organization","name":"Lainafy","url":"https:\/\/www.lainafy.com\/","logo":{"@type":"ImageObject","inLanguage":"fi","@id":"https:\/\/www.lainafy.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.lainafy.com\/wp-content\/uploads\/2026\/05\/Lainafy-Logo.png","contentUrl":"https:\/\/www.lainafy.com\/wp-content\/uploads\/2026\/05\/Lainafy-Logo.png","width":1254,"height":1254,"caption":"Lainafy"},"image":{"@id":"https:\/\/www.lainafy.com\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/www.lainafy.com\/en\/wp-json\/wp\/v2\/sanasto\/570","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.lainafy.com\/en\/wp-json\/wp\/v2\/sanasto"}],"about":[{"href":"https:\/\/www.lainafy.com\/en\/wp-json\/wp\/v2\/types\/sanasto"}],"wp:attachment":[{"href":"https:\/\/www.lainafy.com\/en\/wp-json\/wp\/v2\/media?parent=570"}],"wp:term":[{"taxonomy":"sanasto_ryhma","embeddable":true,"href":"https:\/\/www.lainafy.com\/en\/wp-json\/wp\/v2\/sanasto_ryhma?post=570"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}