{"id":572,"date":"2026-08-24T10:54:26","date_gmt":"2026-08-24T10:54:26","guid":{"rendered":"https:\/\/www.lainafy.com\/sanasto\/tilinhoitomaksu\/"},"modified":"2026-08-24T10:54:26","modified_gmt":"2026-08-24T10:54:26","slug":"tilinhoitomaksu","status":"publish","type":"sanasto","link":"https:\/\/www.lainafy.com\/en\/sanasto\/tilinhoitomaksu\/","title":{"rendered":"Tilinhoitomaksu"},"content":{"rendered":"<p>Tilinhoitomaksu on kuukausittain lainatililt\u00e4 veloitettava maksu, joka kattaa lainan hallinnollisia kustannuksia lainanantajalle. Se voi vaikuttaa yll\u00e4tt\u00e4v\u00e4n paljon <a href=\"\/sanasto\/todellinen-vuosikorko\/\">todelliseen vuosikorkoon<\/a>, vaikka summa kuukaudessa vaikuttaa pienelt\u00e4.<\/p>\n<h2>Tyypillinen tilinhoitomaksu Suomessa<\/h2>\n<ul>\n<li><strong>Perus\u00adkulutusluotto:<\/strong> 0 \u2013 5 \u20ac \/kk<\/li>\n<li><strong>Keskisuuret kulutusluotot:<\/strong> 3 \u2013 10 \u20ac \/kk<\/li>\n<li><strong>Joustoluotot:<\/strong> 3 \u2013 8 \u20ac \/kk (kun luottoa k\u00e4ytet\u00e4\u00e4n)<\/li>\n<li><strong>Asuntolainat:<\/strong> 2 \u2013 6 \u20ac \/kk<\/li>\n<\/ul>\n<h2>Miksi 5 \u20ac\/kk voi olla merkitt\u00e4v\u00e4 kustannus?<\/h2>\n<p>Otetaan esimerkki 5 000 euron lainasta 24 kuukauden takaisinmaksuajalla:<\/p>\n<ul>\n<li>Nimelliskorko: 8 %<\/li>\n<li>Tilinhoitomaksu: 5 \u20ac\/kk \u00d7 24 kk = <strong>120 \u20ac kokonaiskustannus<\/strong><\/li>\n<li>T\u00e4m\u00e4 lis\u00e4\u00e4 todelliseen vuosikorkoon noin 2,3 prosenttiyksikk\u00f6\u00e4<\/li>\n<li>8 % nimellinen \u2192 ~10,3 % todellinen vuosikorko<\/li>\n<\/ul>\n<p>Isommilla lainoilla ja pidemmill\u00e4 maksuajoilla vaikutus voi olla pienempi prosentuaalisesti, mutta eurom\u00e4\u00e4r\u00e4 kertyy silti merkitt\u00e4v\u00e4ksi.<\/p>\n<h2>Miten v\u00e4ltt\u00e4\u00e4 tai minimoida tilinhoitomaksu?<\/h2>\n<ul>\n<li><strong>Vertaile lainatarjouksia<\/strong>: monilla lainanantajilla on 0 \u20ac\/kk tilinhoitomaksu<\/li>\n<li><strong>Huomioi kokonaishinta<\/strong>: joskus korkeampi korko + 0 \u20ac tilinhoito on halvempi kuin alempi korko + 5 \u20ac\/kk<\/li>\n<li><strong>Kysy neuvotteluvaraa<\/strong>: iso lainasumma voi antaa neuvotteluvoimaa<\/li>\n<li><strong>Katso maksujen kokonaisuutta<\/strong>: tilinhoitomaksu on vain yksi kulu \u2013 tarkista my\u00f6s avausmaksu, palvelumaksut jne.<\/li>\n<\/ul>\n<h2>Katso aina todellinen vuosikorko<\/h2>\n<p>Tilinhoitomaksu on jo mukana <a href=\"\/sanasto\/todellinen-vuosikorko\/\">todellisessa vuosikorossa<\/a>. Vertaile aina lainoja t\u00e4m\u00e4n luvun perusteella \u2013 ei pelk\u00e4n nimelliskoron.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tilinhoitomaksu on kuukausittain veloitettava maksu lainan yll\u00e4pidosta. Yleens\u00e4 2\u201310 \u20ac kuukaudessa \u2013 vaikuttaa todelliseen vuosikorkoon.<\/p>\n","protected":false},"menu_order":0,"template":"","sanasto_ryhma":[34],"class_list":["post-572","sanasto","type-sanasto","status-publish","hentry","sanasto_ryhma-korot-ja-kulut"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tilinhoitomaksu - 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\/tilinhoitomaksu\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tilinhoitomaksu - Lainafy\" \/>\n<meta property=\"og:description\" content=\"Tilinhoitomaksu on kuukausittain veloitettava maksu lainan yll\u00e4pidosta. Yleens\u00e4 2\u201310 \u20ac kuukaudessa \u2013 vaikuttaa todelliseen vuosikorkoon.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lainafy.com\/sanasto\/tilinhoitomaksu\/\" \/>\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\\\/tilinhoitomaksu\\\/\",\"url\":\"https:\\\/\\\/www.lainafy.com\\\/sanasto\\\/tilinhoitomaksu\\\/\",\"name\":\"Tilinhoitomaksu - Lainafy\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/#website\"},\"datePublished\":\"2026-08-24T10:54:26+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/sanasto\\\/tilinhoitomaksu\\\/#breadcrumb\"},\"inLanguage\":\"fi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.lainafy.com\\\/sanasto\\\/tilinhoitomaksu\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/sanasto\\\/tilinhoitomaksu\\\/#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\":\"Tilinhoitomaksu\"}]},{\"@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":"Tilinhoitomaksu - 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\/tilinhoitomaksu\/","og_locale":"fi_FI","og_type":"article","og_title":"Tilinhoitomaksu - Lainafy","og_description":"Tilinhoitomaksu on kuukausittain veloitettava maksu lainan yll\u00e4pidosta. Yleens\u00e4 2\u201310 \u20ac kuukaudessa \u2013 vaikuttaa todelliseen vuosikorkoon.","og_url":"https:\/\/www.lainafy.com\/sanasto\/tilinhoitomaksu\/","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\/tilinhoitomaksu\/","url":"https:\/\/www.lainafy.com\/sanasto\/tilinhoitomaksu\/","name":"Tilinhoitomaksu - Lainafy","isPartOf":{"@id":"https:\/\/www.lainafy.com\/#website"},"datePublished":"2026-08-24T10:54:26+00:00","breadcrumb":{"@id":"https:\/\/www.lainafy.com\/sanasto\/tilinhoitomaksu\/#breadcrumb"},"inLanguage":"fi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.lainafy.com\/sanasto\/tilinhoitomaksu\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.lainafy.com\/sanasto\/tilinhoitomaksu\/#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":"Tilinhoitomaksu"}]},{"@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\/572","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=572"}],"wp:term":[{"taxonomy":"sanasto_ryhma","embeddable":true,"href":"https:\/\/www.lainafy.com\/en\/wp-json\/wp\/v2\/sanasto_ryhma?post=572"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}