{"id":607,"date":"2026-08-24T11:31:58","date_gmt":"2026-08-24T11:31:58","guid":{"rendered":"https:\/\/www.lainafy.com\/sanasto\/tasalyhennys\/"},"modified":"2026-08-24T11:31:58","modified_gmt":"2026-08-24T11:31:58","slug":"tasalyhennys","status":"publish","type":"sanasto","link":"https:\/\/www.lainafy.com\/en\/sanasto\/tasalyhennys\/","title":{"rendered":"Tasalyhennys"},"content":{"rendered":"<p>Tasalyhennys on lainan takaisinmaksutapa, jossa lainap\u00e4\u00e4omaa lyhennet\u00e4\u00e4n <strong>saman verran joka kuukausi<\/strong>. Kokonaiskuukausier\u00e4 (lyhennys + korko) on alussa suuri, mutta pienenee ajan my\u00f6t\u00e4, koska koron osuus laskee j\u00e4ljelle j\u00e4\u00e4v\u00e4n p\u00e4\u00e4oman pienetess\u00e4.<\/p>\n<h2>Miten tasalyhennys eroaa annuiteetista?<\/h2>\n<p><a href=\"\/sanasto\/annuiteettilaina\/\">Annuiteettilainassa<\/a> kuukausier\u00e4 pysyy samana koko laina-ajan. Tasalyhennyksess\u00e4 puolestaan:<\/p>\n<ul>\n<li><strong>Lyhennys:<\/strong> aina sama (esim. 100 \u20ac\/kk)<\/li>\n<li><strong>Korko:<\/strong> vaihtuva (pienenee ajan my\u00f6t\u00e4)<\/li>\n<li><strong>Kokonaiser\u00e4:<\/strong> alussa suurin, lopussa pienin<\/li>\n<\/ul>\n<h2>Esimerkki: 10 000 \u20ac tasalyhennys, 60 kk, 6 % vuosikorko<\/h2>\n<p>Kuukausittainen p\u00e4\u00e4oman lyhennys: 10 000 \/ 60 = <strong>167 \u20ac\/kk<\/strong><\/p>\n<ul>\n<li><strong>Kuukausi 1:<\/strong> lyhennys 167 \u20ac + korko 50 \u20ac = <strong>217 \u20ac<\/strong><\/li>\n<li><strong>Kuukausi 30:<\/strong> lyhennys 167 \u20ac + korko 25 \u20ac = <strong>192 \u20ac<\/strong><\/li>\n<li><strong>Kuukausi 60:<\/strong> lyhennys 167 \u20ac + korko 1 \u20ac = <strong>168 \u20ac<\/strong><\/li>\n<\/ul>\n<p><strong>Kokonaiskorko:<\/strong> ~1 525 \u20ac (verrattuna annuiteettiin ~1 599 \u20ac)<\/p>\n<h2>Tasalyhennyksen edut<\/h2>\n<ol>\n<li><strong>Pienemm\u00e4t kokonaiskorkokulut:<\/strong> maksat v\u00e4hemm\u00e4n korkoa yhteens\u00e4<\/li>\n<li><strong>Nopeampi p\u00e4\u00e4oman lyheneminen:<\/strong> alkuvaiheessa p\u00e4\u00e4omasta j\u00e4\u00e4 enemm\u00e4n j\u00e4ljelle nopeammin<\/li>\n<li><strong>Kuukausier\u00e4n pieneneminen:<\/strong> talouden liikkumavara paranee ajan my\u00f6t\u00e4<\/li>\n<li><strong>L\u00e4pin\u00e4kyvyys:<\/strong> selke\u00e4 rakenne, joka on helppo ymm\u00e4rt\u00e4\u00e4<\/li>\n<\/ol>\n<h2>Tasalyhennyksen haitat<\/h2>\n<ol>\n<li><strong>Suuri alkuvaiheen kuukausier\u00e4:<\/strong> vaatii vahvempaa maksukyky\u00e4 alussa<\/li>\n<li><strong>Vaikea budjetoida:<\/strong> vaihteleva kuukausier\u00e4 hankaloittaa suunnittelua<\/li>\n<li><strong>Harvinainen:<\/strong> useimmissa suomalaisissa kulutusluotoissa ei ole tarjolla<\/li>\n<\/ol>\n<h2>Miss\u00e4 tasalyhennys on k\u00e4yt\u00f6ss\u00e4?<\/h2>\n<ul>\n<li><strong>Asuntolainat:<\/strong> perinteinen suomalainen malli \u2013 yh\u00e4 edelleen k\u00e4yt\u00f6ss\u00e4 joillakin pankeilla<\/li>\n<li><strong>Yrityslainat:<\/strong> yleisempi kuin kuluttajaluotoissa<\/li>\n<li><strong>Sijoitustuotteet:<\/strong> velkakirjat ja bondit maksavat usein tasalyhennyksell\u00e4<\/li>\n<\/ul>\n<h2>Milloin valita tasalyhennys?<\/h2>\n<ul>\n<li>Sinulla on <strong>vahva alkuvaiheen maksukyky<\/strong>, joka voi heiket\u00e4 ajan my\u00f6t\u00e4<\/li>\n<li>Haluat maksaa <strong>kokonaiskustannuksissa v\u00e4hemm\u00e4n<\/strong> korkoja<\/li>\n<li>Odotat ett\u00e4 tulosi <strong>eiv\u00e4t kasva merkitt\u00e4v\u00e4sti<\/strong> tulevaisuudessa<\/li>\n<li>Haluat <strong>lyhent\u00e4\u00e4 p\u00e4\u00e4omaa nopeasti<\/strong> alussa<\/li>\n<\/ul>\n<h2>Milloin valita annuiteetti?<\/h2>\n<ul>\n<li>Tarvitset <strong>ennustettavuutta<\/strong> kuukausibudjetissa<\/li>\n<li>Alkuvaiheen maksukyky on <strong>rajoitettu<\/strong><\/li>\n<li>Odotat <strong>tulojesi kasvavan<\/strong> ajan my\u00f6t\u00e4<\/li>\n<li>Haluat <strong>selke\u00e4n saman kuukausikustannuksen<\/strong> koko laina-ajan<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Tasalyhennys on lainan takaisinmaksutapa, jossa lyhennet\u00e4\u00e4n sama m\u00e4\u00e4r\u00e4 p\u00e4\u00e4omaa joka kuukausi. Alkuvaiheen kuukausier\u00e4 on suuri mutta pienenee ajan my\u00f6t\u00e4.<\/p>\n","protected":false},"menu_order":0,"template":"","sanasto_ryhma":[37],"class_list":["post-607","sanasto","type-sanasto","status-publish","hentry","sanasto_ryhma-termit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tasalyhennys - 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\/tasalyhennys\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tasalyhennys - Lainafy\" \/>\n<meta property=\"og:description\" content=\"Tasalyhennys on lainan takaisinmaksutapa, jossa lyhennet\u00e4\u00e4n sama m\u00e4\u00e4r\u00e4 p\u00e4\u00e4omaa joka kuukausi. 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