Loan Terms and Conditions (pdf)
Terms and Conditions of Pledge as of 14 Dec 2017 (pdf)
Guarantee Terms and Conditions as of 14 Dec 2017 (pdf)
Pledge Details, form (pdf)
Guarantor information form (pdf)
Home loan
Loan for a home, holiday home or buy-to-let homeApply for a home loan conveniently online
You can apply for a home loan to buy a home, pay off your share of the housing company loan, transfer your existing home loan or shop for a home loan. If you're not yet an OP cooperative bank customer, you can use another bank's user ID to apply for a home loan.
We advise you to apply for a home loan well in advance: request a loan offer already when you're just planning a new home. Applying for a loan does not obligate you to take out the loan.
Owner-customers get OP bonuses on home loans
If you're an OP cooperative bank's owner-customer, your home loan will earn you OP bonuses worth up to hundreds of euros. Your earned OP bonuses can then offset some or all of your banking fees or insurance premiums. As an owner-customer, you earn OP bonuses 40% more than normal in 2024.
As an owner-customer you will also get benefits for banking and investment services and insurance.
Protect your finances against surprises
Life and the world around you may change suddenly, but you can prepare for surprises by protecting your loan. Interest rate cap and cover against unemployment or critical illness will bring security to your finances.
Apply for home loan or consent to joint application
Start applying for a home loan, continue with the application you started or add the required attachments.
Approve a joint home loan application started by the other applicant.
Start a home loan application or continue a previously started application.
Approve a joint home loan application started by the other applicant.
To apply for a home loan, you need an online bank user ID. If you don’t have a user ID with any bank, our Customer Service will help you. Contact our Customer Service
Steps in getting a home loan
- Fill in a home loan application online
If you’re applying for a loan together with another person, state it in your application. After you have sent the application, the other applicant needs to give their consent to it using the link above on this page. - We will contact you
Our specialist will discuss the loan with you, including collateral required for the loan. If everything is fine, we will issue a preliminary loan offer to you – in some cases already before our call. The offer shows the loan amount you could get if you have collateral accepted by the bank. - Tell us when you find the home you want to buy
We'll check the particular home's details and make sure it can be used as collateral for your loan. - You will get a loan offer that is binding on the bank. You can then make your purchase offer on this home.
A loan offer is sometimes also called a loan promise.
Transfer your loans to OP
When did you last make a home loan comparison? Compare your current loan with OP's loan offer. Requesting our offer is free and will not obligate you in any way. Just fill in a loan application and we will contact you soon. To request our offer online, you can also use another bank's user ID.
The home loan is granted by an OP cooperative bank.