{"id":571,"date":"2026-08-24T10:54:26","date_gmt":"2026-08-24T10:54:26","guid":{"rendered":"https:\/\/www.lainafy.com\/sanasto\/lainakatto\/"},"modified":"2026-08-24T10:54:26","modified_gmt":"2026-08-24T10:54:26","slug":"lainakatto","status":"publish","type":"sanasto","link":"https:\/\/www.lainafy.com\/en\/sanasto\/lainakatto\/","title":{"rendered":"Lainakatto"},"content":{"rendered":"<p>Lainakatto on k\u00e4site, joka voi tarkoittaa Suomessa kahta eri asiaa:<\/p>\n<ol>\n<li><strong>Lainanantajan sis\u00e4inen katto<\/strong>: enimm\u00e4issumma, jonka lainanantaja on valmis my\u00f6nt\u00e4m\u00e4\u00e4n yhdelle hakijalle<\/li>\n<li><strong>Lain m\u00e4\u00e4r\u00e4\u00e4m\u00e4 katto<\/strong>: viranomaisten asettama rajoite hakijan kokonaisvelkojen m\u00e4\u00e4r\u00e4lle suhteessa tuloihin<\/li>\n<\/ol>\n<h2>Lainanantajan sis\u00e4inen katto<\/h2>\n<p>Jokainen lainanantaja m\u00e4\u00e4ritt\u00e4\u00e4 itse enimm\u00e4issumman jonka on valmis my\u00f6nt\u00e4m\u00e4\u00e4n yhdelle hakijalle. T\u00e4h\u00e4n vaikuttavat:<\/p>\n<ul>\n<li>Hakijan bruttotulot ja niiden vakaus<\/li>\n<li><a href=\"\/sanasto\/luottotieto\/\">Luottotiedot<\/a> ja aiempi maksuhistoria<\/li>\n<li>Olemassa olevat lainat ja niiden kuukausier\u00e4t<\/li>\n<li>Perhetilanne ja elatusvelvoitteet<\/li>\n<li>Vakuuksien saatavuus<\/li>\n<\/ul>\n<h2>Positiivisen luottotietorekisterin tuoma muutos<\/h2>\n<p>Vuoden 2026 huhtikuusta alkaen otettiin k\u00e4ytt\u00f6\u00f6n positiivinen luottotietorekisteri. Se tuo lainanantajille kokonaisvaltaisemman kuvan hakijan tilanteesta:<\/p>\n<ul>\n<li>Kaikki voimassa olevat kuluttajaluotot yhten\u00e4 pakettina<\/li>\n<li>Yhteenlasketut kuukausier\u00e4t<\/li>\n<li>Aiempi maksuhistoria<\/li>\n<\/ul>\n<p>T\u00e4m\u00e4 auttaa <em>rajoittamaan yli-velkaantumista<\/em> koska lainanantajat n\u00e4kev\u00e4t kokonaistilanteen paremmin.<\/p>\n<h2>Vinkki: miten arvioida oma lainakatto?<\/h2>\n<p>Nyrkkis\u00e4\u00e4nt\u00f6n\u00e4 pidet\u00e4\u00e4n ett\u00e4 kaikkien lainojen kuukausierien tulisi olla korkeintaan 30\u201340 % nettotuloista. Esimerkki:<\/p>\n<ul>\n<li>Nettotulot 2 800 \u20ac\/kk<\/li>\n<li>30 % nettotuloista = 840 \u20ac\/kk<\/li>\n<li>Jos sinulla on jo asuntolaina 500 \u20ac\/kk ja luottokorttivelka 100 \u20ac\/kk, kulutusluoton kuukausier\u00e4 ei saisi ylitt\u00e4\u00e4 ~240 \u20ac\/kk<\/li>\n<\/ul>\n<p>K\u00e4yt\u00e4 <a href=\"\/lainalaskuri\/\">lainalaskuriamme<\/a> arvioidaksesi turvallinen lainasumma ennen hakua.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Lainakatto rajoittaa yhden hakijan yhteenlaskettua lainataakkaa. Se on lainanantajan itsens\u00e4 asettama sis\u00e4inen raja tai lain m\u00e4\u00e4r\u00e4\u00e4m\u00e4.<\/p>\n","protected":false},"menu_order":0,"template":"","sanasto_ryhma":[37],"class_list":["post-571","sanasto","type-sanasto","status-publish","hentry","sanasto_ryhma-termit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Lainakatto - 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\/lainakatto\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lainakatto - Lainafy\" \/>\n<meta property=\"og:description\" content=\"Lainakatto rajoittaa yhden hakijan yhteenlaskettua lainataakkaa. 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