{"id":596,"date":"2026-08-24T11:31:58","date_gmt":"2026-08-24T11:31:58","guid":{"rendered":"https:\/\/www.lainafy.com\/sanasto\/euribor\/"},"modified":"2026-08-24T11:31:58","modified_gmt":"2026-08-24T11:31:58","slug":"euribor","status":"publish","type":"sanasto","link":"https:\/\/www.lainafy.com\/en\/sanasto\/euribor\/","title":{"rendered":"Euribor"},"content":{"rendered":"<p>Euribor (Euro Interbank Offered Rate) on euroalueen keskeisin markkinakorko. Se ilmaisee, mill\u00e4 korolla euroalueen pankit lainaavat rahaa toisilleen. Suomessa vaihtuvakorkoiset lainat, erityisesti <a href=\"\/sanasto\/asuntolaina\/\">asuntolainat<\/a>, on tyypillisesti sidottu Euriboriin.<\/p>\n<h2>Euriborin p\u00e4\u00e4variantit<\/h2>\n<ul>\n<li><strong>1 kk Euribor:<\/strong> p\u00e4ivittyy kerran kuukaudessa \u2013 nopein reagointi markkinatilanteeseen<\/li>\n<li><strong>3 kk Euribor:<\/strong> yleisin asuntolainoissa (~40 % Suomen asuntolainoista)<\/li>\n<li><strong>6 kk Euribor:<\/strong> harvinaisempi<\/li>\n<li><strong>12 kk Euribor:<\/strong> hitain reagointi \u2013 vakain koroista (~50 % Suomen asuntolainoista)<\/li>\n<\/ul>\n<h2>Miten Euribor vaikuttaa lainoihin?<\/h2>\n<p>Kaava on yksinkertainen: <strong>Lainakorko = Euribor + pankin marginaali<\/strong>. Esim:<\/p>\n<ul>\n<li>12 kk Euribor: 2,5 %<\/li>\n<li>Pankin marginaali: 0,6 %<\/li>\n<li>Lainakorko: <strong>3,1 %<\/strong><\/li>\n<\/ul>\n<p>Kun Euribor nousee (kuten teki 2022-2023), my\u00f6s lainakorko nousee. Kun Euribor laskee, lainan korko laskee. Marginaali pysyy samana.<\/p>\n<h2>Milloin Euribor tarkistetaan?<\/h2>\n<ul>\n<li><strong>1 kk Euribor:<\/strong> joka kuukausi<\/li>\n<li><strong>3 kk Euribor:<\/strong> joka 3. kuukausi<\/li>\n<li><strong>12 kk Euribor:<\/strong> kerran vuodessa<\/li>\n<\/ul>\n<p>Tarkistus\u00adp\u00e4iv\u00e4 on m\u00e4\u00e4ritelty lainasopimuksessa \u2013 yleens\u00e4 kk:n 1. tai lainan noston vuosip\u00e4iv\u00e4.<\/p>\n<h2>Mik\u00e4 Euribor kannattaa valita?<\/h2>\n<p>Valinta riippuu kolmesta tekij\u00e4st\u00e4:<\/p>\n<h3>1. Odotukset korkokehityksest\u00e4<\/h3>\n<ul>\n<li><strong>Jos odotat korkojen laskevan:<\/strong> valitse lyhyempi Euribor (1 tai 3 kk) \u2013 hy\u00f6ty tulee nopeammin<\/li>\n<li><strong>Jos odotat korkojen nousevan:<\/strong> valitse pidempi Euribor (12 kk) \u2013 lukitset alemman koron pidemm\u00e4ksi aikaa<\/li>\n<\/ul>\n<h3>2. Riski\u00adtoleranssi<\/h3>\n<p>Lyhyempi Euribor tuo enemm\u00e4n vaihtelua kuukausieriin. Pidempi tuo vakautta.<\/p>\n<h3>3. Marginaali\u00adneuvottelu<\/h3>\n<p>Pankit tarjoavat usein pienemm\u00e4n marginaalin pidemp\u00e4\u00e4n sidontaan.<\/p>\n<h2>Euribor 2020-2026 katsaus<\/h2>\n<p>Euribor on vaihdellut merkitt\u00e4v\u00e4sti viime vuosina:<\/p>\n<ul>\n<li><strong>2020-2021:<\/strong> negatiivinen (~-0,5 %) \u2013 historiallisen alhainen<\/li>\n<li><strong>2022:<\/strong> nopea nousu (~0 \u2192 2 %)<\/li>\n<li><strong>2023:<\/strong> huippu (~4 %)<\/li>\n<li><strong>2024-2026:<\/strong> lasku vakautuen (~2 \u2013 3 %)<\/li>\n<\/ul>\n<h2>Muistuvasti<\/h2>\n<p>Euribor on markkinakorko \u2013 pankki ei voi vaikuttaa siihen. Muutokset johtuvat Euroopan keskuspankin (EKP) p\u00e4\u00e4t\u00f6ksist\u00e4 ja yleisest\u00e4 talousymp\u00e4rist\u00f6st\u00e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Euribor on euroalueen pankkien v\u00e4linen viitekorko. Suomen asuntolainat sidotaan tyypillisesti 3 tai 12 kuukauden Euriboriin.<\/p>\n","protected":false},"menu_order":0,"template":"","sanasto_ryhma":[34],"class_list":["post-596","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>Euribor - 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\/euribor\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Euribor - Lainafy\" \/>\n<meta property=\"og:description\" content=\"Euribor on euroalueen pankkien v\u00e4linen viitekorko. Suomen asuntolainat sidotaan tyypillisesti 3 tai 12 kuukauden Euriboriin.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lainafy.com\/sanasto\/euribor\/\" \/>\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\\\/euribor\\\/\",\"url\":\"https:\\\/\\\/www.lainafy.com\\\/sanasto\\\/euribor\\\/\",\"name\":\"Euribor - Lainafy\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/#website\"},\"datePublished\":\"2026-08-24T11:31:58+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/sanasto\\\/euribor\\\/#breadcrumb\"},\"inLanguage\":\"fi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.lainafy.com\\\/sanasto\\\/euribor\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/sanasto\\\/euribor\\\/#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\":\"Euribor\"}]},{\"@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":"Euribor - 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\/euribor\/","og_locale":"fi_FI","og_type":"article","og_title":"Euribor - Lainafy","og_description":"Euribor on euroalueen pankkien v\u00e4linen viitekorko. Suomen asuntolainat sidotaan tyypillisesti 3 tai 12 kuukauden Euriboriin.","og_url":"https:\/\/www.lainafy.com\/sanasto\/euribor\/","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\/euribor\/","url":"https:\/\/www.lainafy.com\/sanasto\/euribor\/","name":"Euribor - Lainafy","isPartOf":{"@id":"https:\/\/www.lainafy.com\/#website"},"datePublished":"2026-08-24T11:31:58+00:00","breadcrumb":{"@id":"https:\/\/www.lainafy.com\/sanasto\/euribor\/#breadcrumb"},"inLanguage":"fi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.lainafy.com\/sanasto\/euribor\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.lainafy.com\/sanasto\/euribor\/#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":"Euribor"}]},{"@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\/596","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=596"}],"wp:term":[{"taxonomy":"sanasto_ryhma","embeddable":true,"href":"https:\/\/www.lainafy.com\/en\/wp-json\/wp\/v2\/sanasto_ryhma?post=596"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}