Energy finance
Helen offers easy and flexible energy finance solution for solar power systems, electric vehicle charging solutions for detached homes, and district heat connections.
Flexible finance solution for energy investments
- Select the most suitable monthly instalment (minimum of 1.7% of the finance).
- Flexible repayment. You can make extra repayments without added costs.
- Deduct the interest in taxation when financing the energy investment of your own permanent residence.
- No set-up fee or deposits.
- You can pay off the entire loan without extra charges.
- Finance earns OP bonuses for the owner-customers of OP Co-operative Bank.
District heat connection for customers switching their heating method
An example
- Cash price €6,820 / monthly instalment €143 (incl. 24% VAT)
- Actual annual interest rate for the loan 8.00%.
- Term 58 months, last instalment €5.3.
- Total credit price is €8,168.83, which includes the following in addition to the cash price of €6,820.00:
- interest on finance (6,400%) €1,063.83,
- account maintenance fee €5.00/month incl. in the monthly instalment, total of €285.00.
Actual percentage rate for an average loan of €6,820 (one-time credit) with a term of 58 months calculated according to the Consumer Protection Act (KSL) is 8.00% when the nominal interest rate is 6.40%. Credit price is €8,163.83, which includes invoicing fee of €5 per month. (Situation 09/2016).
Financing provided by OP Financial Group, Gebhardinaukio 1, 00510 Helsinki.
Aurinkosähköjärjestelmä 6,0 kWp
Solar power system 2.75 kWp
An example
- Cash price €7,500 / monthly instalment €157.50 (incl. 24% VAT)
- Actual annual interest rate for the loan 7.74%.
- Term 57 months, last instalment €105.52.
- Total credit price is €8,925.51, which includes the following in addition to the cash price of €7,500.00:
- interest on finance (6,30%) €1,145.51
- account maintenance fee €5.00/month incl. in the monthly instalment, total of €280.00
Actual percentage rate for an average loan of €7,500 (one-time credit) with a term of 57 months calculated according to the Consumer Protection Act (KSL) is 7.74% when the nominal interest rate is 6.30%. Credit price is €8,925.51, which includes invoicing fee of €5 per month. (Situation 04/2018).
Financing provided by OP Financial Group, Gebhardinaukio 1, 00510 Helsinki.