{"id":575,"date":"2026-08-24T10:54:26","date_gmt":"2026-08-24T10:54:26","guid":{"rendered":"https:\/\/www.lainafy.com\/sanasto\/kuukausiera\/"},"modified":"2026-08-24T10:54:26","modified_gmt":"2026-08-24T10:54:26","slug":"kuukausiera","status":"publish","type":"sanasto","link":"https:\/\/www.lainafy.com\/en\/sanasto\/kuukausiera\/","title":{"rendered":"Kuukausier\u00e4"},"content":{"rendered":"<p>Kuukausier\u00e4 on kuukausittain lainanantajalle maksettava summa, joka pit\u00e4\u00e4 sis\u00e4ll\u00e4\u00e4n sek\u00e4 <strong>lainap\u00e4\u00e4oman lyhennyksen<\/strong> ett\u00e4 <strong>koron<\/strong>. Suomessa l\u00e4hes kaikki kulutusluotot ovat <a href=\"\/sanasto\/annuiteettilaina\/\">annuiteettilainoja<\/a>, joissa kuukausier\u00e4 pysyy samana koko laina-ajan.<\/p>\n<h2>Kuukausier\u00e4n kaava<\/h2>\n<p>Annuiteettilainan kuukausier\u00e4 lasketaan kaavalla:<\/p>\n<pre>M = P \u00d7 (r \/ (1 - (1 + r)^-n))<\/pre>\n<p>Miss\u00e4:<\/p>\n<ul>\n<li><strong>M<\/strong> = kuukausier\u00e4<\/li>\n<li><strong>P<\/strong> = lainap\u00e4\u00e4oma (esim. 10 000 \u20ac)<\/li>\n<li><strong>r<\/strong> = kuukausikorko (vuosikorko \/ 12 \/ 100)<\/li>\n<li><strong>n<\/strong> = <a href=\"\/sanasto\/laina-aika\/\">laina-aika<\/a> kuukausina<\/li>\n<\/ul>\n<h2>Esimerkki: 10 000 \u20ac laina, 8 % vuosikorko, 60 kk<\/h2>\n<ul>\n<li>P = 10 000, r = 0,08\/12 \u2248 0,00667, n = 60<\/li>\n<li>M = 10 000 \u00d7 (0,00667 \/ (1 &#8211; (1,00667)^-60))<\/li>\n<li>Kuukausier\u00e4 \u2248 <strong>203 \u20ac\/kk<\/strong><\/li>\n<\/ul>\n<h2>Miten kuukausier\u00e4 jakautuu?<\/h2>\n<p>Vaikka summa pysyy samana, sen sis\u00e4inen jakautuma muuttuu:<\/p>\n<ul>\n<li><strong>Alkuvaiheessa<\/strong>: iso osa er\u00e4st\u00e4 on korkoa (koska p\u00e4\u00e4omasta on paljon j\u00e4ljell\u00e4)<\/li>\n<li><strong>Loppuvaiheessa<\/strong>: iso osa er\u00e4st\u00e4 on lyhennyst\u00e4 (p\u00e4\u00e4oma pienentynyt)<\/li>\n<\/ul>\n<h2>Turvallisen kuukausier\u00e4n ohje<\/h2>\n<p>Nyrkkis\u00e4\u00e4nt\u00f6n\u00e4 pidet\u00e4\u00e4n ett\u00e4 kaikkien lainojen yhteenlaskettu kuukausier\u00e4 ei saisi ylitt\u00e4\u00e4 30 \u2013 40 % nettotuloista. Esimerkki:<\/p>\n<ul>\n<li>Nettotulot 2 800 \u20ac\/kk<\/li>\n<li>30 % nettotuloista = 840 \u20ac\/kk<\/li>\n<li>T\u00e4h\u00e4n mahtuu esim. asuntolaina 500 \u20ac + kulutusluotto 250 \u20ac + luottokorttivelka 100 \u20ac<\/li>\n<\/ul>\n<h2>Miten pienent\u00e4\u00e4 kuukausier\u00e4\u00e4?<\/h2>\n<ol>\n<li><strong>Pidenn\u00e4 laina-aikaa<\/strong>: sama laina jaettuna pidemm\u00e4lle ajalle = pienempi kuukausier\u00e4 (mutta suuremmat kokonaiskustannukset)<\/li>\n<li><strong>Yhdist\u00e4 velat<\/strong>: <a href=\"\/sanasto\/yhdistelylaina\/\">yhdistelylaina<\/a> voi laskea kokonaiskuukausikustannuksia<\/li>\n<li><strong>Hakuudelleenrahoitusta<\/strong>: markkinakorkojen laskiessa uuden lainan ottaminen halvemmalla korolla s\u00e4\u00e4st\u00e4\u00e4<\/li>\n<li><strong>Vertaile<\/strong>: sama nimelliskorko ei tarkoita samaa kuukausier\u00e4\u00e4 eri lainanantajilla<\/li>\n<\/ol>\n<h2>Kokeile itse laskurilla<\/h2>\n<p>Kokeile eri kuukausieri\u00e4 ja laina-aikoja <a href=\"\/lainalaskuri\/\">lainalaskurillamme<\/a>. N\u00e4et reaaliajassa miten muutokset vaikuttavat kokonaiskustannuksiin ja kuukausibudjettiisi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kuukausier\u00e4 on kuukausittain maksettava lainanhoitomaksu. Se koostuu p\u00e4\u00e4oman lyhennyksest\u00e4 ja korosta \u2013 annuiteettilainassa summa pysyy samana.<\/p>\n","protected":false},"menu_order":0,"template":"","sanasto_ryhma":[37],"class_list":["post-575","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>Kuukausier\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\/kuukausiera\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kuukausier\u00e4 - Lainafy\" \/>\n<meta property=\"og:description\" content=\"Kuukausier\u00e4 on kuukausittain maksettava lainanhoitomaksu. 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