Interest rate cap for home buyers at no additional cost

We will pay a 2% interest rate cap on the reference rate for five years

We want to offer you a chance to get a new home without any worries about rising housing loan interest rates. If you buy a move-in-ready YIT Home between 29 January and 30 April 2024, we will pay an interest rate cap of 2% for five years** for a housing loan from Aktia* or Nordea*. Contact YIT Homes Sales to use the benefit and to get more information.




** The partner bank makes the decision to grant the loan and to include the interest rate cap in the loan.
** The protection level of the interest rate cap for the reference rate (6 or 12 month Euribor depending on the partner bank) is 2%, which means that the reference rate of your housing loan cannot exceed 2% for the next five years.

How to get a free interest rate cap for your housing loan

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Contact YIT Homes Sales

Contact YIT Homes Sales and we will help you browse our selection of homes and tell you how to contact our partner bank. A sales representative will provide you with a link to a personal loan application or a campaign code. You can only access the benefit with these.



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Negotiate the terms and conditions of your housing loan with the partner bank

Negotiate the terms and conditions of your housing loan with the partner bank. The loan negotiations are held between you and the bank without YIT’s involvement. The partner bank makes the decision to grant the loan and to include the interest rate cap in the loan. Ensure the applicability of the interest rate cap to the loan from the partner bank.



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We will help you find a suitable YIT Home

Continue your contact with YIT Homes Sales and find a home suitable for you with the help of our sales representative.



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Conclude the sales agreement

Conclude the sales agreement and enjoy your new YIT Home for five years without having to worry about rising interest rates. We will pay the interest rate cap of your housing loan to the bank on your behalf.

Monetary value and security provided by the interest rate cap benefit

The monetary value of the interest rate cap benefit depends on the sum of your housing loan, other terms and conditions and the partner bank’s price list, according to which the value of the interest rate cap is calculated. The partner bank will provide you with more information about the monetary value of the interest rate cap benefit.


Interest rate cap brings financial stability

The interest rate of the housing loan consists of the reference rate and the bank’s margin. The reference rate varies and is determined according to the date of taking out the loan. If you use the interest rate cap benefit, your reference rate (6 or 12 month Euribor depending on the partner bank) cannot exceed 2% for the next five years. In other words, the interest rate cap benefit brings financial stability and predictability.

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