{"id":606,"date":"2026-08-24T11:31:58","date_gmt":"2026-08-24T11:31:58","guid":{"rendered":"https:\/\/www.lainafy.com\/sanasto\/bullet-laina\/"},"modified":"2026-08-24T11:31:58","modified_gmt":"2026-08-24T11:31:58","slug":"bullet-laina","status":"publish","type":"sanasto","link":"https:\/\/www.lainafy.com\/en\/sanasto\/bullet-laina\/","title":{"rendered":"Bullet-laina"},"content":{"rendered":"<p>Bullet-laina (nimi tulee englannin sanasta &#8221;bullet&#8221; \u2013 kertaluontoinen suuri maksu) on lainaj\u00e4rjestely, jossa <strong>p\u00e4\u00e4omaa ei lyhennet\u00e4 lainkaan ennen viimeist\u00e4 maksup\u00e4iv\u00e4\u00e4<\/strong>. Kuukausittain maksetaan ainoastaan korkoja ja koko lainap\u00e4\u00e4oma maksetaan takaisin yhdell\u00e4 kertaa lopussa.<\/p>\n<h2>Bullet-lainan tunnusmerkit<\/h2>\n<ul>\n<li><strong>Kuukausier\u00e4:<\/strong> pieni \u2013 vain korot p\u00e4\u00e4omasta<\/li>\n<li><strong>Loppumaksu:<\/strong> koko lainap\u00e4\u00e4oma yhdell\u00e4 kertaa<\/li>\n<li><strong>Laina-aika:<\/strong> tyypillisesti 1 \u2013 5 vuotta<\/li>\n<li><strong>Kokonaiskustannus:<\/strong> voi olla suurempi kuin annuiteetti\u00adlainassa<\/li>\n<\/ul>\n<h2>Miksi bullet-laina?<\/h2>\n<p>Bullet-laina soveltuu tilanteisiin, joissa <strong>lainanhakijalla on tulossa iso rahoitus\u00adtapahtuma<\/strong> tulevaisuudessa:<\/p>\n<ul>\n<li>Sijoitusomaisuuden myynti tulossa (osakkeita, kiinteist\u00f6\u00e4)<\/li>\n<li>Perinn\u00f6n odottaminen<\/li>\n<li>Ty\u00f6bonusten kertyminen<\/li>\n<li>Yrityksen kaupan odottaminen<\/li>\n<li>Verohy\u00f6tyj\u00e4 optimoiva strategia<\/li>\n<\/ul>\n<h2>Esimerkki: 100 000 \u20ac bullet-laina 3 vuotta<\/h2>\n<ul>\n<li>P\u00e4\u00e4oma: 100 000 \u20ac<\/li>\n<li>Vuosikorko: 6 %<\/li>\n<li>Kuukausittainen korko: 500 \u20ac (100 000 \u00d7 6 % \/ 12)<\/li>\n<li>Kuukausikustannus: <strong>500 \u20ac<\/strong><\/li>\n<li>Loppumaksu 36 kk kuluttua: <strong>100 000 \u20ac<\/strong><\/li>\n<li>Kokonaiskustannus 3 vuotta: 500 \u20ac \u00d7 36 + 100 000 = <strong>118 000 \u20ac<\/strong> (korot 18 000 \u20ac)<\/li>\n<\/ul>\n<h2>Bullet-laina vs. annuiteetti<\/h2>\n<table>\n<thead>\n<tr>\n<th>Piirre<\/th>\n<th>Bullet-laina<\/th>\n<th><a href=\"\/sanasto\/annuiteettilaina\/\">Annuiteetti<\/a><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Kuukausikustannus alussa<\/td>\n<td>Pieni<\/td>\n<td>Suurempi<\/td>\n<\/tr>\n<tr>\n<td>Loppumaksu<\/td>\n<td>Iso kertaer\u00e4<\/td>\n<td>Sama kuin muutkin<\/td>\n<\/tr>\n<tr>\n<td>Kokonaiskorko<\/td>\n<td>Yleens\u00e4 suurempi<\/td>\n<td>Yleens\u00e4 pienempi<\/td>\n<\/tr>\n<tr>\n<td>Riski<\/td>\n<td>Loppumaksukyky<\/td>\n<td>Kuukausikyky<\/td>\n<\/tr>\n<tr>\n<td>Sopii<\/td>\n<td>Tulossa oleva iso raha<\/td>\n<td>Vakaa s\u00e4\u00e4nn\u00f6llinen tulo<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Riskit<\/h2>\n<ul>\n<li><strong>Loppumaksukyky:<\/strong> kuinka varmaa on ett\u00e4 sinulla on 100 000 \u20ac valmiina lainan p\u00e4\u00e4ttyess\u00e4?<\/li>\n<li><strong>Sijoitus\u00adriskit:<\/strong> jos odotettu perint\u00f6 tai omaisuuden myynti viiv\u00e4styy<\/li>\n<li><strong>Uusi laina:<\/strong> jos et pysty maksamaan loppuer\u00e4\u00e4, joudut uusimaan lainan tai yhdistelem\u00e4\u00e4n<\/li>\n<li><strong>Kokonaiskorko:<\/strong> voi olla huomattavasti suurempi kuin lyhennysperusteinen laina<\/li>\n<\/ul>\n<h2>Kenelle bullet-laina EI sovi?<\/h2>\n<ul>\n<li>Vakaa palkka\u00adtulo ilman erityisi\u00e4 p\u00e4\u00e4oma\u00adtapahtumia<\/li>\n<li>Ei taattua tulevaisuuden rahaa<\/li>\n<li>Ei ole itse\u00adkuria pit\u00e4\u00e4 iso summa s\u00e4\u00e4stettyn\u00e4 lainaajan p\u00e4\u00e4tytty\u00e4<\/li>\n<li>Ei ole h\u00e4t\u00e4\u00advaraa jos suunnitelmat menev\u00e4t m\u00f6nk\u00e4\u00e4n<\/li>\n<\/ul>\n<h2>Miss\u00e4 bullet-lainaa saa Suomessa?<\/h2>\n<p>Bullet-lainoja tarjoavat p\u00e4\u00e4osin:<\/p>\n<ul>\n<li>Pankit yksityisasiakkaille poikkeuksellisissa tilanteissa<\/li>\n<li>Yrityslainojen puolella yleisempi<\/li>\n<li>Sijoituslainoihin osana varakkuusty\u00f6t\u00e4<\/li>\n<\/ul>\n<p>Perus\u00adkulutusluottona bullet-laina on Suomessa harvinainen.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bullet-laina on lainatyyppi, jossa p\u00e4\u00e4oma maksetaan takaisin kokonaisuudessaan lopussa. Kuukausittain maksetaan vain korkoja.<\/p>\n","protected":false},"menu_order":0,"template":"","sanasto_ryhma":[35],"class_list":["post-606","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>Bullet-laina - 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\/bullet-laina\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bullet-laina - Lainafy\" \/>\n<meta property=\"og:description\" content=\"Bullet-laina on lainatyyppi, jossa p\u00e4\u00e4oma maksetaan takaisin kokonaisuudessaan lopussa. 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