{"id":577,"date":"2026-08-24T10:54:26","date_gmt":"2026-08-24T10:54:26","guid":{"rendered":"https:\/\/www.lainafy.com\/sanasto\/korkokatto\/"},"modified":"2026-08-24T10:54:26","modified_gmt":"2026-08-24T10:54:26","slug":"korkokatto","status":"publish","type":"sanasto","link":"https:\/\/www.lainafy.com\/en\/sanasto\/korkokatto\/","title":{"rendered":"Korkokatto"},"content":{"rendered":"<p>Korkokatto on lakis\u00e4\u00e4teinen yl\u00e4raja, jonka yli kuluttajaluoton todellinen vuosikorko ei saa nousta. Sen tarkoituksena on <strong>suojella kuluttajia kohtuuttomilta lainakuluilta<\/strong> ja hillit\u00e4 ylivelkaantumista.<\/p>\n<h2>Suomen korkokatto 2026<\/h2>\n<p>Lokakuusta 2023 l\u00e4htien Suomessa on ollut <strong>kaikille kuluttaja\u00adluotoille 20 % korkokatto<\/strong>. T\u00e4m\u00e4 on huomattava tiukennus aiempaan:<\/p>\n<ul>\n<li><strong>Ennen 2019:<\/strong> ei kattoa \u2013 korot saattoivat olla jopa 300 %<\/li>\n<li><strong>2019 &#8211; 2023:<\/strong> 20 % korkokatto vain alle 2 000 \u20ac pienlainoille<\/li>\n<li><strong>Syyskuu 2023 alkaen:<\/strong> tilap\u00e4inen 15 % korkokatto koko markkinalle<\/li>\n<li><strong>Lokakuu 2023 l\u00e4htien:<\/strong> pysyv\u00e4 <strong>20 % korkokatto<\/strong> kaikille kuluttajaluotoille<\/li>\n<\/ul>\n<h2>Mit\u00e4 korkokatto sis\u00e4lt\u00e4\u00e4?<\/h2>\n<p>Korkokatto koskee <a href=\"\/sanasto\/todellinen-vuosikorko\/\">todellista vuosikorkoa<\/a>, joka sis\u00e4lt\u00e4\u00e4:<\/p>\n<ul>\n<li>Nimelliskorko<\/li>\n<li>Avausmaksut ja j\u00e4rjestelypalkkiot<\/li>\n<li>Tilinhoitomaksut<\/li>\n<li>Kaikki muut pakolliset lainakulut<\/li>\n<\/ul>\n<p>N\u00e4in ollen 20 % on <strong>lopullinen katto<\/strong> lainan koko kustannukselle, ei vain nimelliskorolle.<\/p>\n<h2>Vaikutus lainamarkkinoille<\/h2>\n<p>Korkokatto on muuttanut Suomen lainamarkkinoita merkitt\u00e4v\u00e4sti:<\/p>\n<ul>\n<li><strong>Pienimm\u00e4t ja kalliimmat luotot ovat kadonneet<\/strong>: monet pikaluotto\u00adyritykset lopettivat toiminnan<\/li>\n<li><strong>Kilpailu on kiristynyt<\/strong>: lainanantajat kilpailevat entist\u00e4 enemm\u00e4n lainaehdoilla<\/li>\n<li><strong>Kuluttajien kustannukset ovat laskeneet<\/strong>: keskikorot ovat huomattavasti alempia kuin ennen katto<\/li>\n<li><strong>Marginaalisia lainanhakijoita<\/strong> ei en\u00e4\u00e4 hyv\u00e4ksyt\u00e4 yht\u00e4 usein \u2013 luottotietovaatimukset ovat tiukempia<\/li>\n<\/ul>\n<h2>Poikkeukset ja huomiot<\/h2>\n<ul>\n<li>Korkokatto koskee vain <strong>kuluttajaluottoja<\/strong> \u2013 ei yrityslainoja<\/li>\n<li><strong>Asuntolainat<\/strong> eiv\u00e4t ole t\u00e4ss\u00e4 katossa (ne ovat aina olleet huomattavasti alempia)<\/li>\n<li><strong>Perint\u00e4kulut<\/strong> ja maksuh\u00e4iri\u00f6kulut eiv\u00e4t sis\u00e4lly kattoon<\/li>\n<\/ul>\n<h2>Mit\u00e4 t\u00e4m\u00e4 tarkoittaa lainanhakijalle?<\/h2>\n<ul>\n<li>Kaikki laillisesti toimivat lainat ovat korkokorko 20 %<\/li>\n<li>Jos joku tarjoaa korkeampaa korkoa, on kyseess\u00e4 laiton toiminta<\/li>\n<li>Vertailu on t\u00e4rke\u00e4\u00e4: 20 % katto ei tarkoita ett\u00e4 <em>kaikki<\/em> lainat ovat 20 % \u2013 edulliset lainat ovat 5 \u2013 12 %<\/li>\n<li>Katso aina <a href=\"\/sanasto\/todellinen-vuosikorko\/\">todellista vuosikorkoa<\/a> ja vertaile<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Korkokatto on lain m\u00e4\u00e4r\u00e4\u00e4m\u00e4 yl\u00e4raja kuluttajaluoton todelliselle vuosikorolle. Suomessa katto on 20 % lokakuusta 2023 alkaen.<\/p>\n","protected":false},"menu_order":0,"template":"","sanasto_ryhma":[37],"class_list":["post-577","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>Korkokatto - 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\/korkokatto\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Korkokatto - Lainafy\" \/>\n<meta property=\"og:description\" content=\"Korkokatto on lain m\u00e4\u00e4r\u00e4\u00e4m\u00e4 yl\u00e4raja kuluttajaluoton todelliselle vuosikorolle. 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