{"id":601,"date":"2026-08-24T11:31:58","date_gmt":"2026-08-24T11:31:58","guid":{"rendered":"https:\/\/www.lainafy.com\/sanasto\/kertaluotto\/"},"modified":"2026-08-24T11:31:58","modified_gmt":"2026-08-24T11:31:58","slug":"kertaluotto","status":"publish","type":"sanasto","link":"https:\/\/www.lainafy.com\/en\/sanasto\/kertaluotto\/","title":{"rendered":"Kertaluotto"},"content":{"rendered":"<p>Kertaluotto on kuluttajaluoton perustyyppi, jossa lainanhakija saa lainan <strong>yhten\u00e4 kertana<\/strong> ja maksaa sen takaisin sovitussa aikataulussa. Se on vastakohta <a href=\"\/sanasto\/joustoluotto\/\">joustoluotolle<\/a>, jossa luottoa voi nostaa useita kertoja.<\/p>\n<h2>Kertaluoton tunnusmerkit<\/h2>\n<ul>\n<li><strong>Kerta\u00adnosto:<\/strong> koko lainasumma tulee tilille yhdell\u00e4 siirrolla<\/li>\n<li><strong>Kiinte\u00e4 laina-aika:<\/strong> sovittu maksuaika<\/li>\n<li><strong>Kiinte\u00e4 kuukausier\u00e4:<\/strong> <a href=\"\/sanasto\/annuiteettilaina\/\">annuiteetti<\/a> yleisin<\/li>\n<li><strong>M\u00e4\u00e4r\u00e4tty tarkoitus tai vapaa k\u00e4ytt\u00f6<\/strong><\/li>\n<\/ul>\n<h2>Milloin kertaluotto sopii?<\/h2>\n<p>Kertaluotto on paras vaihtoehto kun tied\u00e4t <strong>tarkkaan kuinka paljon rahaa tarvitset<\/strong> ja mihin. Esimerkkej\u00e4:<\/p>\n<ul>\n<li>Auton osto<\/li>\n<li>Keitti\u00f6remontti<\/li>\n<li>H\u00e4\u00e4t tai muu suuri juhla<\/li>\n<li>Matka<\/li>\n<li>Isot laitteet tai kalusteet<\/li>\n<li>Lainojen yhdistely (<a href=\"\/sanasto\/yhdistelylaina\/\">yhdistelylaina<\/a> on kertaluoton erikoismuoto)<\/li>\n<\/ul>\n<h2>Kertaluotto vs. joustoluotto<\/h2>\n<table>\n<thead>\n<tr>\n<th>Ominaisuus<\/th>\n<th>Kertaluotto<\/th>\n<th>Joustoluotto<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Nostojen m\u00e4\u00e4r\u00e4<\/td>\n<td>1 kertaa<\/td>\n<td>Rajaton<\/td>\n<\/tr>\n<tr>\n<td>Korko<\/td>\n<td>Yleens\u00e4 alempi (5 \u2013 15 %)<\/td>\n<td>Yleens\u00e4 korkeampi (15 \u2013 20 %)<\/td>\n<\/tr>\n<tr>\n<td>Koron peruste<\/td>\n<td>Koko p\u00e4\u00e4oma<\/td>\n<td>Vain k\u00e4ytetty summa<\/td>\n<\/tr>\n<tr>\n<td>Kuukausier\u00e4<\/td>\n<td>Kiinte\u00e4<\/td>\n<td>Vaihtelee k\u00e4yt\u00f6n mukaan<\/td>\n<\/tr>\n<tr>\n<td>Sopii tilanteeseen<\/td>\n<td>Yksitt\u00e4inen hankinta<\/td>\n<td>Toistuva tarve<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Kertaluoton edut<\/h2>\n<ul>\n<li><strong>Selkeys:<\/strong> tied\u00e4t heti kokonaiskustannuksen<\/li>\n<li><strong>Ennustettavuus:<\/strong> sama kuukausier\u00e4 koko ajan<\/li>\n<li><strong>Halvempi:<\/strong> yleens\u00e4 alempi todellinen vuosikorko kuin joustoluotossa<\/li>\n<li><strong>Kurinalaisempi:<\/strong> ei houkuttele lis\u00e4nostoihin<\/li>\n<li><strong>Loppuminen n\u00e4kyy:<\/strong> tied\u00e4t koska laina on maksettu<\/li>\n<\/ul>\n<h2>Kertaluoton haitat<\/h2>\n<ul>\n<li><strong>Ei joustavuutta:<\/strong> jos tarvitset lis\u00e4\u00e4 rahaa, joudut hakemaan uuden lainan<\/li>\n<li><strong>Korko koko summasta:<\/strong> vaikka k\u00e4ytt\u00e4isit vain osan heti<\/li>\n<\/ul>\n<h2>Vinkki hakuun<\/h2>\n<p>Ota kertaluottoa <strong>tarkalleen tarvittava summa<\/strong>. Jos sinulla on ep\u00e4selvyytt\u00e4 lopullisesta budjetista, valitse joustoluotto joustavuuden vuoksi \u2013 vaikka korko on korkeampi, voit lopulta s\u00e4\u00e4st\u00e4\u00e4 maksaen korkoa vain k\u00e4ytetyst\u00e4 osasta.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kertaluotto on kertanostettava kulutusluotto tiettyyn tarkoitukseen. Se nostetaan kerran ja maksetaan takaisin sovittuna aikana.<\/p>\n","protected":false},"menu_order":0,"template":"","sanasto_ryhma":[35],"class_list":["post-601","sanasto","type-sanasto","status-publish","hentry","sanasto_ryhma-lainatyypit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kertaluotto - 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\/kertaluotto\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kertaluotto - Lainafy\" \/>\n<meta property=\"og:description\" content=\"Kertaluotto on kertanostettava kulutusluotto tiettyyn tarkoitukseen. 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