{"id":573,"date":"2026-08-24T10:54:26","date_gmt":"2026-08-24T10:54:26","guid":{"rendered":"https:\/\/www.lainafy.com\/sanasto\/avausmaksu\/"},"modified":"2026-08-24T10:54:26","modified_gmt":"2026-08-24T10:54:26","slug":"avausmaksu","status":"publish","type":"sanasto","link":"https:\/\/www.lainafy.com\/en\/sanasto\/avausmaksu\/","title":{"rendered":"Avausmaksu"},"content":{"rendered":"

Avausmaksu (my\u00f6s nimell\u00e4 j\u00e4rjestelypalkkio<\/em>) on kertaluontoinen maksu, jonka lainanantaja veloittaa lainan my\u00f6nt\u00e4misest\u00e4. Se lis\u00e4t\u00e4\u00e4n usein lainap\u00e4\u00e4oman p\u00e4\u00e4lle ja on siten mukana todellisessa vuosikorossa<\/a>.<\/p>\n

Tyypilliset avausmaksut Suomessa<\/h2>\n
    \n
  • Pienet kulutusluotot<\/strong> (500 \u2013 3 000 \u20ac): 0 \u2013 100 \u20ac<\/li>\n
  • Keskisuuret kulutusluotot<\/strong> (3 000 \u2013 15 000 \u20ac): 100 \u2013 400 \u20ac<\/li>\n
  • Suuret kulutusluotot<\/strong> (15 000 \u2013 60 000 \u20ac): 200 \u2013 800 \u20ac<\/li>\n
  • Asuntolainat<\/strong>: 200 \u2013 1 000 \u20ac<\/li>\n<\/ul>\n

    Monet kilpailukykyiset lainanantajat tarjoavat lainoja ilman avausmaksua<\/strong>. Vertaile huolellisesti.<\/p>\n

    Vaikutus lainan kokonaiskustannuksiin<\/h2>\n

    Otetaan esimerkki 10 000 euron lainasta 60 kuukauden maksuajalla:<\/p>\n

      \n
    • Nimelliskorko: 7 %<\/li>\n
    • Ei avausmaksua: todellinen vuosikorko 7,2 %, kokonaiskustannus ~11 900 \u20ac<\/li>\n
    • Avausmaksu 300 \u20ac: todellinen vuosikorko 8,4 %, kokonaiskustannus ~12 200 \u20ac<\/li>\n<\/ul>\n

      Avausmaksu voi vaikuttaa todelliseen vuosikorkoon jopa 1\u20132 prosenttiyksikk\u00f6\u00e4 pieniss\u00e4 lainoissa.<\/p>\n

      Miten avausmaksu perit\u00e4\u00e4n?<\/h2>\n

      Tavallisesti kaksi tapaa:<\/p>\n

        \n
      1. Lis\u00e4t\u00e4\u00e4n lainap\u00e4\u00e4omaan<\/strong>: nostat lainan, mutta p\u00e4\u00e4omaan lis\u00e4t\u00e4\u00e4n avausmaksu. Maksat sen takaisin korkoineen koko laina-ajan \u2013 t\u00e4m\u00e4 nostaa kokonaiskustannuksia.<\/li>\n
      2. V\u00e4hennet\u00e4\u00e4n nostosta<\/strong>: hakemasi 10 000 \u20ac – avausmaksu 300 \u20ac = tilille tulee 9 700 \u20ac. Maksat takaisin 10 000 \u20ac.<\/li>\n<\/ol>\n

        Molemmissa tapauksissa kustannus on k\u00e4yt\u00e4nn\u00f6ss\u00e4 sama \u2013 todellinen vuosikorko huomioi ne yht\u00e4lailla.<\/p>\n

        Vinkkej\u00e4 lainanhakuun<\/h2>\n
          \n
        • Kysy aina avausmaksuttomia lainoja<\/strong> – niit\u00e4 on tarjolla<\/li>\n
        • Vertaile lainatarjoukset todellisen vuosikoron<\/strong> perusteella<\/li>\n
        • \u00c4l\u00e4 katso vain nimelliskorkoa \u2013 iso avausmaksu voi k\u00e4\u00e4nt\u00e4\u00e4 halvemman lainan kalliimmaksi<\/li>\n
        • Neuvottele: iso lainasumma voi antaa mahdollisuuden avausmaksun poistoon<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"

          Avausmaksu on kertaluontoinen kulu lainan avaamisesta. Se voi olla 0 \u20ac tai jopa satoja euroja \u2013 vaikuttaa lainan kokonaishintaan.<\/p>\n","protected":false},"menu_order":0,"template":"","sanasto_ryhma":[34],"class_list":["post-573","sanasto","type-sanasto","status-publish","hentry","sanasto_ryhma-korot-ja-kulut"],"yoast_head":"\nAvausmaksu - 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\/avausmaksu\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Avausmaksu - Lainafy\" \/>\n<meta property=\"og:description\" content=\"Avausmaksu on kertaluontoinen kulu lainan avaamisesta. 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