{"id":6194,"date":"2020-10-08T14:54:32","date_gmt":"2020-10-08T11:54:32","guid":{"rendered":"https:\/\/www.top5credits.com\/fi\/?p=6194"},"modified":"2022-09-27T13:57:52","modified_gmt":"2022-09-27T10:57:52","slug":"valtiontakaus","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/fi\/lainasanasto\/valtiontakaus\/","title":{"rendered":"Valtiontakaus"},"content":{"rendered":"\n<p>Valtiontakaus tarkoittaa nimens\u00e4 mukaisesti valtion my\u00f6nt\u00e4m\u00e4\u00e4 takausta lainalle. Lainatyyppi vaikuttaa siihen, kuinka suuren osan lainasta valtio takaa. Esimerkiksi <a href=\"https:\/\/www.top5credits.com\/fi\/lainasanasto\/opintolaina\/\">opintolainan<\/a> valtio takaa kokonaan, kun taas vastaavasti asuntolainasta valtiontakaus kattaa vain osan lainasummasta. Valtiontakauksella tarkoitetaan k\u00e4yt\u00e4nn\u00f6ss\u00e4 sit\u00e4, ett\u00e4 jos ajaudut maksuvaikeuksiin, valtio korvaa lainanmy\u00f6nt\u00e4j\u00e4lle ennalta sovitun m\u00e4\u00e4r\u00e4n <a href=\"https:\/\/www.top5credits.com\/fi\/lainavertailu\/\">lainan<\/a> arvosta.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Valtiontakauksen vaatimukset asuntolainalle:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>Asunnosta t\u00e4ytyy ostaa v\u00e4hint\u00e4\u00e4n 50 %<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>Ostettavan asunnon tulee olla lainan vakuutena<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>Asuntolaina on enint\u00e4\u00e4n 85 % asunnon arvosta<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>Laina-aika maksimissaan 25 vuotta<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>Kiinteist\u00f6st\u00e4 tulee ostajan tai ostajan perheenj\u00e4senen asunto<\/li><\/ul>\n\n\n\n<p>Valtio voi olla takaajana asuntolainassa, mik\u00e4li lainanhakijan omat vakuudet eiv\u00e4t riit\u00e4 lainan vakuudeksi. <strong>Valtiontakauksen voi saada, kun ilmoittaa lainanhaun yhteydess\u00e4 olevansa kiinnostunut valtion takaamasta asuntolainasta<\/strong>. Valtiontakausta voi pyyt\u00e4\u00e4 kuka tahansa tuloihin ja varallisuuteen katsomatta.<\/p>\n\n\n\n<p>Valtion takaaman asuntolainan m\u00e4\u00e4r\u00e4 voi olla enint\u00e4\u00e4n 85 % asunnon hankintahinnasta. (ASP-korkotukilainoissa enint\u00e4\u00e4n 90 %). Takaus on korkeintaan 20 % lainasta (ASP-korkotukilainoissa enint\u00e4\u00e4n 25 %), mutta kuitenkin enint\u00e4\u00e4n 50.000 euroa.&nbsp;<\/p>\n\n\n\n<p>ASP-lainan avulla valtiontakausta voi saada tavallista asuntolainaa enemm\u00e4n. ASP-lainassa valtiontakaus on siis maksimissaan 25 % lainan m\u00e4\u00e4r\u00e4st\u00e4, mutta enint\u00e4\u00e4n 50.000 euroa.<\/p>\n\n\n\n<p>Valtio perii takausmaksua 2,5 % takauksen kokonaism\u00e4\u00e4r\u00e4st\u00e4. Takaus maksetaan valtiolle lainan nostamisen yhteydess\u00e4. Takausmaksu ei koske kunnan p\u00e4\u00e4t\u00f6ksell\u00e4 my\u00f6nnettyj\u00e4 omistusasuntolainojen korkotukilainoja tai ASP-korkotukilainoja. Esimerkiksi valtiontakauksen ollessa 10 000 euroa valtion takausmaksu olisi 250 euroa.<\/p>\n\n\n\n<div class=\"tarjousnappi\"><a href=\"https:\/\/www.top5credits.com\/fi\/lainavertailu\/\" title=\"Siirry lainavertailuun\">Vertaile lainat t\u00e4st\u00e4<\/a><\/div>\n\n\n\n<p><strong>Esimerkki asuntolainan valtiontakauksesta<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Asunnon myyntihinta 150 000 \u20ac<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>Omia s\u00e4\u00e4st\u00f6j\u00e4 25 000 \u20ac<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>Pankki my\u00f6nt\u00e4\u00e4 lainaa 125 000 \u20ac. Asuntolaina on t\u00e4ll\u00f6in 83 % asunnon hinnasta<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>Valtiontakaus on 20 % asuntolainasta eli 25 000 \u20ac<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>Takausmaksu on 2,5 % eli (25 000 \u20ac*0,025 = 625 \u20ac)<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Milloin valtiontakaus kannattaa?<\/h2>\n\n\n\n<p>Nuorille ensiasunnon ostajille valtiontakaus on erinomainen tapa hankkia ensiasunto, sill\u00e4 nuorilla ei v\u00e4ltt\u00e4m\u00e4tt\u00e4 ole riitt\u00e4v\u00e4sti omaisuutta tai vakuuksia asuntolainan saamiseen.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">L\u00e4hteet<\/h4>\n\n\n\n<p><a href=\"https:\/\/www.valtiokonttori.fi\/palvelu\/asuntolainan-valtiontakaus\/\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener nofollow\">https:\/\/www.valtiokonttori.fi\/palvelu\/asuntolainan-valtiontakaus\/<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Valtiontakaus tarkoittaa valtion my\u00f6nt\u00e4m\u00e4\u00e4 takausta lainalle. Mik\u00e4li ajaudut maksuvaikeuksiin, niin valtio korvaa lainanmy\u00f6nt\u00e4j\u00e4lle ennalta sovitun m\u00e4\u00e4r\u00e4n lainan arvosta.<\/p>\n","protected":false},"author":17,"featured_media":6200,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-glossary.php","format":"standard","meta":{"footnotes":""},"categories":[115],"tags":[],"class_list":["post-6194","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lainasanasto","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Valtiontakaus - Mit\u00e4 valtiontakaus tarkoittaa ja kuka sit\u00e4 voi hakea?<\/title>\n<meta name=\"description\" content=\"Lue valtiontakauksesta ja miten sin\u00e4 voi hakea takausta omalle asuntolainallesi. 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Artikkelissa on paljon hy\u00f6dyllist\u00e4 tietoa valtiontakauksen hakemisesta.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.top5credits.com\/fi\/lainasanasto\/valtiontakaus\/\" \/>\n<meta property=\"og:site_name\" content=\"Top5Credits.com Suomi\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Top5Creditscom-Suomi-878136912537066\" \/>\n<meta property=\"article:published_time\" content=\"2020-10-08T11:54:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-09-27T10:57:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.top5credits.com\/fi\/wp-content\/uploads\/sites\/2\/2020\/10\/valtion-takaus.jpg?cdn=1.1.2\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"801\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Johannes S\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Kirjoittanut\" \/>\n\t<meta name=\"twitter:data1\" content=\"Johannes S\" \/>\n\t<meta name=\"twitter:label2\" content=\"Arvioitu lukuaika\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minuuttia\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/fi\\\/lainasanasto\\\/valtiontakaus\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/fi\\\/lainasanasto\\\/valtiontakaus\\\/\"},\"author\":{\"name\":\"Johannes S\",\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/fi\\\/#\\\/schema\\\/person\\\/3fcb03cd6604825587f119f799af42f7\"},\"headline\":\"Valtiontakaus\",\"datePublished\":\"2020-10-08T11:54:32+00:00\",\"dateModified\":\"2022-09-27T10:57:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/fi\\\/lainasanasto\\\/valtiontakaus\\\/\"},\"wordCount\":279,\"publisher\":{\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/fi\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/fi\\\/lainasanasto\\\/valtiontakaus\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.top5credits.com\\\/fi\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2020\\\/10\\\/valtion-takaus.jpg\",\"articleSection\":[\"Lainasanasto\"],\"inLanguage\":\"fi\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/fi\\\/lainasanasto\\\/valtiontakaus\\\/\",\"url\":\"https:\\\/\\\/www.top5credits.com\\\/fi\\\/lainasanasto\\\/valtiontakaus\\\/\",\"name\":\"Valtiontakaus - Mit\u00e4 valtiontakaus tarkoittaa ja kuka sit\u00e4 voi hakea?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/fi\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/fi\\\/lainasanasto\\\/valtiontakaus\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.top5credits.com\\\/fi\\\/lainasanasto\\\/valtiontakaus\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.top5credits.com\\\/fi\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2020\\\/10\\\/valtion-takaus.jpg\",\"datePublished\":\"2020-10-08T11:54:32+00:00\",\"dateModified\":\"2022-09-27T10:57:52+00:00\",\"description\":\"Lue valtiontakauksesta ja miten sin\u00e4 voi hakea takausta omalle asuntolainallesi. 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