Lainaesimerkki: Lainasumma 6 000 €
• Kuukausierä 283,49 €
• Laina-aika 2 vuotta (24 erää)
• Korko 8,69 % (3 kk Euribor (365) -0,31 % (1.4.2019) + 9 prosenttiyksikön marginaali)
• KSL:n mukainen todellinen vuosikorko 13,1 %
• Lainakustannukset yht. 803,70 €
• Maksettava kokonaismäärä 6803,70 €
• Todellisessa vuosikorossa ja lainakustannuksissa on huomioitu koron lisäksi lainan perustamismaksu 49 € ja tilinhoitomaksu 8 €/kk

Example calculation:
Special Consumer Credit is a one-off loan: the effective annual interest rate for a 6,000 euro loan with a 63-month (5 years and three months) payback period would be 10.90% if the credit interest rate were the 3-month Euribor + 7.95% percentage points (8.7% in September 2022) and the loan servicing fee 6 euros per month. The estimated total amount payable would be 7,875.54 euros.

This calculation is based on the assumption that the loan is drawn down in a lump sum and the loan interest and charges and fees remain unchanged throughout the loan term. It also assumes that the loan is repaid in monthly instalments of 125 euros up to and including the final instalment. The loan is granted by OP Retail Customers Plc.