{"id":603,"date":"2026-08-24T11:31:58","date_gmt":"2026-08-24T11:31:58","guid":{"rendered":"https:\/\/www.lainafy.com\/sanasto\/perintakulut\/"},"modified":"2026-08-24T11:31:58","modified_gmt":"2026-08-24T11:31:58","slug":"perintakulut","status":"publish","type":"sanasto","link":"https:\/\/www.lainafy.com\/en\/sanasto\/perintakulut\/","title":{"rendered":"Perint\u00e4kulut"},"content":{"rendered":"

Perint\u00e4kulut ovat maksuja, jotka perint\u00e4toimisto veloittaa my\u00f6h\u00e4styneen maksun perimisest\u00e4. Suomessa kuluttajien perint\u00e4kulut ovat lakis\u00e4\u00e4teisesti rajoitettuja<\/strong>. Sit\u00e4 s\u00e4\u00e4telee laki saatavien perinn\u00e4st\u00e4<\/em> (513\/1999).<\/p>\n

Kuluttajien perint\u00e4kulut 2026<\/h2>\n

Vapaaehtoinen perint\u00e4<\/h3>\n
    \n
  • Maksuvaatimus:<\/strong> 14 \u2013 50 \u20ac (riippuen alkuper\u00e4isest\u00e4 velan suuruudesta)<\/li>\n
  • Alle 100 \u20ac velat: max 14 \u20ac<\/li>\n
  • 100 \u2013 1 000 \u20ac velat: max 24 \u20ac<\/li>\n
  • Yli 1 000 \u20ac velat: max 50 \u20ac<\/li>\n<\/ul>\n

    Ammattimainen (perint\u00e4toimiston) perint\u00e4<\/h3>\n
      \n
    • Kirjallinen maksuvaatimus:<\/strong> 14 \u2013 50 \u20ac<\/li>\n
    • Uusi kirjallinen maksuvaatimus:<\/strong> 5 \u2013 10 \u20ac<\/li>\n
    • Neuvottelut ja maksusuunnitelma:<\/strong> 20 \u2013 30 \u20ac<\/li>\n<\/ul>\n

      Trattaperint\u00e4<\/h3>\n
        \n
      • Erillinen menettely: 40 \u2013 100 \u20ac<\/li>\n<\/ul>\n

        Perint\u00e4prosessin vaiheet<\/h2>\n
          \n
        1. Er\u00e4p\u00e4iv\u00e4 ohitetaan<\/strong> \u2013 ei viel\u00e4 kuluja<\/li>\n
        2. Maksumuistutus velkojalta<\/strong> (max 5 \u20ac \u00d7 2-3 kertaa)<\/li>\n
        3. Perint\u00e4toimeksianto<\/strong> perint\u00e4toimistolle<\/li>\n
        4. Perint\u00e4kirje<\/strong> (14 \u2013 50 \u20ac)<\/li>\n
        5. Neuvottelut<\/strong> tai uudet perint\u00e4kirjeet<\/li>\n
        6. Trattaperint\u00e4<\/strong> (tuomioistuinperustaista)<\/li>\n
        7. Ulosotto<\/strong> ja mahdollinen konkurssi\u00admenettely<\/li>\n<\/ol>\n

          Kuinka nopeasti kulut kertyv\u00e4t?<\/h2>\n

          Otetaan esimerkki 500 euron alkuper\u00e4isest\u00e4 laskusta:<\/p>\n

            \n
          • Alkuper\u00e4inen lasku: 500 \u20ac<\/li>\n
          • Muistutusmaksu 1: 5 \u20ac<\/li>\n
          • Muistutusmaksu 2: 5 \u20ac<\/li>\n
          • Perint\u00e4toimiston maksuvaatimus: 24 \u20ac<\/li>\n
          • Viiv\u00e4styskorko (2 kk): ~10 \u20ac<\/li>\n
          • Yhteens\u00e4:<\/strong> 544 \u20ac (kasvu 9 %)<\/li>\n<\/ul>\n

            Isommilla veloilla ja pidemp\u00e4\u00e4n venyneess\u00e4 tilanteessa kulut voivat kaksinkertaistaa velan.<\/p>\n

            Mit\u00e4 tehd\u00e4 perint\u00e4kirjeen tullessa?<\/h2>\n
              \n
            1. \u00c4l\u00e4 ohita sit\u00e4:<\/strong> ongelmat vain pahenevat<\/li>\n
            2. Tarkista velka:<\/strong> onko oikea velka? Onko kiistanalainen?<\/li>\n
            3. Maksa mahdollisimman pian<\/strong> jos velka on aiheellinen<\/li>\n
            4. Ota yhteys perint\u00e4toimistoon:<\/strong> pyyd\u00e4 maksusuunnitelmaa<\/li>\n
            5. Ilmoita tulotasosi:<\/strong> kohtuulliseen maksukykyyn perustuvat suunnitelmat on saatavilla<\/li>\n<\/ol>\n

              Milloin kannattaa hakea apua?<\/h2>\n

              Jos huomaat ett\u00e4 velkasi ovat karkaamassa k\u00e4sist\u00e4, ota heti yhteys:<\/p>\n

                \n
              • Kunnan talous- ja velkaneuvonta:<\/strong> maksuton ja luottamuksellinen<\/li>\n
              • Takuus\u00e4\u00e4ti\u00f6n Velkalinja:<\/strong> puhelin\u00adneuvonta velkaisille<\/li>\n
              • Suomen Asiakastieto Oy:<\/strong> tarkista omat luottotietosi<\/li>\n<\/ul>\n

                Vinkki:<\/strong> Suomen sosiaali\u00adturva\u00adj\u00e4rjestelm\u00e4ss\u00e4 on velkaj\u00e4rjestely<\/em>, joka voi tarjota tien ulos vaikeasta tilanteesta \u2013 ammattilainen auttaa arvioimaan tarpeen.<\/p>\n","protected":false},"excerpt":{"rendered":"

                Perint\u00e4kulut ovat perint\u00e4toimiston veloittamat maksut my\u00f6h\u00e4styneen maksun perinn\u00e4st\u00e4. Kuluttajille m\u00e4\u00e4r\u00e4tyt enimm\u00e4ism\u00e4\u00e4r\u00e4t ovat 14\u201350 \u20ac.<\/p>\n","protected":false},"menu_order":0,"template":"","sanasto_ryhma":[34],"class_list":["post-603","sanasto","type-sanasto","status-publish","hentry","sanasto_ryhma-korot-ja-kulut"],"yoast_head":"\nPerint\u00e4kulut - 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\/perintakulut\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Perint\u00e4kulut - Lainafy\" \/>\n<meta property=\"og:description\" content=\"Perint\u00e4kulut ovat perint\u00e4toimiston veloittamat maksut my\u00f6h\u00e4styneen maksun perinn\u00e4st\u00e4. Kuluttajille m\u00e4\u00e4r\u00e4tyt enimm\u00e4ism\u00e4\u00e4r\u00e4t ovat 14\u201350 \u20ac.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lainafy.com\/sanasto\/perintakulut\/\" \/>\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\\\/perintakulut\\\/\",\"url\":\"https:\\\/\\\/www.lainafy.com\\\/sanasto\\\/perintakulut\\\/\",\"name\":\"Perint\u00e4kulut - Lainafy\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/#website\"},\"datePublished\":\"2026-08-24T11:31:58+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/sanasto\\\/perintakulut\\\/#breadcrumb\"},\"inLanguage\":\"fi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.lainafy.com\\\/sanasto\\\/perintakulut\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/sanasto\\\/perintakulut\\\/#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\":\"Perint\u00e4kulut\"}]},{\"@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":"Perint\u00e4kulut - 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\/perintakulut\/","og_locale":"fi_FI","og_type":"article","og_title":"Perint\u00e4kulut - Lainafy","og_description":"Perint\u00e4kulut ovat perint\u00e4toimiston veloittamat maksut my\u00f6h\u00e4styneen maksun perinn\u00e4st\u00e4. 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