{"id":602,"date":"2026-08-24T11:31:58","date_gmt":"2026-08-24T11:31:58","guid":{"rendered":"https:\/\/www.lainafy.com\/sanasto\/muistutusmaksu\/"},"modified":"2026-08-24T11:31:58","modified_gmt":"2026-08-24T11:31:58","slug":"muistutusmaksu","status":"publish","type":"sanasto","link":"https:\/\/www.lainafy.com\/en\/sanasto\/muistutusmaksu\/","title":{"rendered":"Muistutusmaksu"},"content":{"rendered":"<p>Muistutusmaksu on maksu, jonka velkoja voi peri\u00e4 l\u00e4hett\u00e4m\u00e4st\u00e4\u00e4n maksun muistutuksesta. Suomessa muistutusmaksut ovat <strong>lakis\u00e4\u00e4teisesti rajoitettuja<\/strong> kuluttaja\u00adtapauksissa, mik\u00e4 suojaa kuluttajia yliannosteltujen kulujen ker\u00e4\u00e4miselt\u00e4.<\/p>\n<h2>Muistutusmaksun m\u00e4\u00e4r\u00e4 2026<\/h2>\n<p>Kuluttajansuojalain mukaan velkojat voivat peri\u00e4 kuluttajilta:<\/p>\n<ul>\n<li><strong>Ensimm\u00e4inen maksumuistutus:<\/strong> enint\u00e4\u00e4n 5 \u20ac<\/li>\n<li><strong>Toinen maksumuistutus:<\/strong> enint\u00e4\u00e4n 5 \u20ac<\/li>\n<li><strong>Kolmas maksumuistutus:<\/strong> enint\u00e4\u00e4n 5 \u20ac<\/li>\n<\/ul>\n<p>Toistuvia muistutuksia samasta er\u00e4st\u00e4 ei voida peri\u00e4 loputtomasti \u2013 laki rajoittaa niiden kokonaism\u00e4\u00e4r\u00e4n.<\/p>\n<h2>Muistutuksen edellytykset<\/h2>\n<p>Jotta muistutusmaksua saa peri\u00e4, seuraavien ehtojen on t\u00e4ytytt\u00e4v\u00e4:<\/p>\n<ol>\n<li><strong>V\u00e4hint\u00e4\u00e4n 14 p\u00e4iv\u00e4\u00e4 er\u00e4p\u00e4iv\u00e4st\u00e4<\/strong> ennen ensimm\u00e4ist\u00e4 muistutusta<\/li>\n<li><strong>V\u00e4hint\u00e4\u00e4n 14 p\u00e4iv\u00e4\u00e4 edellisest\u00e4<\/strong> ennen seuraavaa muistutusta<\/li>\n<li>Muistutus on l\u00e4hetett\u00e4v\u00e4 <strong>kirjallisesti<\/strong> (posti tai s\u00e4hk\u00f6posti)<\/li>\n<li>Muistutuksessa on oltava tarvittavat tiedot velasta<\/li>\n<\/ol>\n<h2>Ero perint\u00e4kuluihin<\/h2>\n<p>Muistutusmaksu on eri kuin perint\u00e4kulu. Kun velkoja siirt\u00e4\u00e4 asian perint\u00e4toimistolle, kuvioihin tulevat:<\/p>\n<ul>\n<li><strong>Maksumuistutus (velkojan):<\/strong> max 5 \u20ac<\/li>\n<li><strong>Perint\u00e4maksu (perinn\u00e4n):<\/strong> 14 \u2013 50 \u20ac<\/li>\n<li><strong>Trattaperint\u00e4:<\/strong> 40 \u2013 65 \u20ac<\/li>\n<li><strong>Tuomioistuinkulut:<\/strong> jos velkoja hakee tuomion<\/li>\n<\/ul>\n<h2>Yritysten v\u00e4lisess\u00e4 perinn\u00e4ss\u00e4<\/h2>\n<p>Yrityksiin liittyv\u00e4ss\u00e4 perinn\u00e4ss\u00e4 lakia on muutettu ja rajoja on: <strong>10 \u2013 15 \u20ac<\/strong> per muistutus, riippuen summasta. Kuluttajiin suhtaudutaan tiukemmin.<\/p>\n<h2>Mit\u00e4 tehd\u00e4 kun saat muistutuksen?<\/h2>\n<ol>\n<li><strong>\u00c4l\u00e4 paniikkoa:<\/strong> yksitt\u00e4inen muistutus ei viel\u00e4 johda maksuh\u00e4iri\u00f6\u00admerkint\u00e4\u00e4n<\/li>\n<li><strong>Tarkista lasku:<\/strong> onko se oikein? Onko unohtunut vai kiistanalainen?<\/li>\n<li><strong>Maksa mahdollisimman pian:<\/strong> jokainen viivytys nostaa kuluja<\/li>\n<li><strong>Ota yhteys velkojaan<\/strong> jos tarvitset maksusuunnitelmaa<\/li>\n<li><strong>V\u00e4lt\u00e4 useita samanaikaisia muistutuksia:<\/strong> ne kertyv\u00e4t ja voivat johtaa perint\u00e4\u00e4n<\/li>\n<\/ol>\n<h2>Muistutusmaksun perusteltavuus<\/h2>\n<p>Jos koet muistutusmaksun kohtuuttomana tai perusteettomana, sinulla on oikeus <strong>reklamoida<\/strong>. Voit ottaa yhteytt\u00e4:<\/p>\n<ul>\n<li><strong>Kuluttajaneuvontaan<\/strong> (kuluttaja.fi)<\/li>\n<li><strong>Kilpailu- ja kuluttajavirastoon (KKV)<\/strong><\/li>\n<li><strong>Kuluttajariitalautakuntaan<\/strong> viime k\u00e4dess\u00e4<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Muistutusmaksu on lakis\u00e4\u00e4teinen maksu my\u00f6h\u00e4styneen maksun muistutuksesta. Kuluttajilta voidaan peri\u00e4 enint\u00e4\u00e4n 5 \u20ac per muistutus.<\/p>\n","protected":false},"menu_order":0,"template":"","sanasto_ryhma":[34],"class_list":["post-602","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>Muistutusmaksu - 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\/muistutusmaksu\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Muistutusmaksu - Lainafy\" \/>\n<meta property=\"og:description\" content=\"Muistutusmaksu on lakis\u00e4\u00e4teinen maksu my\u00f6h\u00e4styneen maksun muistutuksesta. Kuluttajilta voidaan peri\u00e4 enint\u00e4\u00e4n 5 \u20ac per muistutus.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lainafy.com\/sanasto\/muistutusmaksu\/\" \/>\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\\\/muistutusmaksu\\\/\",\"url\":\"https:\\\/\\\/www.lainafy.com\\\/sanasto\\\/muistutusmaksu\\\/\",\"name\":\"Muistutusmaksu - Lainafy\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/#website\"},\"datePublished\":\"2026-08-24T11:31:58+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/sanasto\\\/muistutusmaksu\\\/#breadcrumb\"},\"inLanguage\":\"fi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.lainafy.com\\\/sanasto\\\/muistutusmaksu\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/sanasto\\\/muistutusmaksu\\\/#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\":\"Muistutusmaksu\"}]},{\"@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":"Muistutusmaksu - 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\/muistutusmaksu\/","og_locale":"fi_FI","og_type":"article","og_title":"Muistutusmaksu - Lainafy","og_description":"Muistutusmaksu on lakis\u00e4\u00e4teinen maksu my\u00f6h\u00e4styneen maksun muistutuksesta. Kuluttajilta voidaan peri\u00e4 enint\u00e4\u00e4n 5 \u20ac per muistutus.","og_url":"https:\/\/www.lainafy.com\/sanasto\/muistutusmaksu\/","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\/muistutusmaksu\/","url":"https:\/\/www.lainafy.com\/sanasto\/muistutusmaksu\/","name":"Muistutusmaksu - Lainafy","isPartOf":{"@id":"https:\/\/www.lainafy.com\/#website"},"datePublished":"2026-08-24T11:31:58+00:00","breadcrumb":{"@id":"https:\/\/www.lainafy.com\/sanasto\/muistutusmaksu\/#breadcrumb"},"inLanguage":"fi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.lainafy.com\/sanasto\/muistutusmaksu\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.lainafy.com\/sanasto\/muistutusmaksu\/#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":"Muistutusmaksu"}]},{"@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\/602","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=602"}],"wp:term":[{"taxonomy":"sanasto_ryhma","embeddable":true,"href":"https:\/\/www.lainafy.com\/en\/wp-json\/wp\/v2\/sanasto_ryhma?post=602"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}