How to view your loan information?

• The total amount of your loans and, separately, the total amounts of your lump-sum loans and your running-account loans. 
• Your monthly leasing instalments in total if you have leasing contracts.
• The amount usually contains only the loan principal, i.e. it does not necessarily contain all interest expenses or loan-related expenses.
• If you have been granted loans in different currencies, the total amount of loans is shown per currency. 

After the heading Lump-sum loans, you will find in brackets:

• the number of lump-sum loans granted to you
• the lender’s name, the loan number, the purpose of use of the loan, and the loan balance
• a blue info button for further information.

Lump-sum loans include:

• home loans
• student loans
• different consumption loans
• instant loans
• loans for acquiring office space or goods needed in business operations.

If you do not have any lump-sum loans, you will see the text “No lump-sum loans have been reported to the register”.

View details of your lump-sum loans on the Lump-sum loans page.  

After the heading Running-account loans, you will find in brackets:

• the number of running-account loans granted to you
• the lender’s name, the loan number, the credit limit, the loan balance, and the balance date
• a blue info button for further information.

Running-account loans include:

• credit cards
• accounts with credit facilities.

If you do not have any running-account loans, you will see the text “No running-account loans have been reported to the register”.

View details of your running-account loans on the Running-account loans page.  

Please note that the e-service shows information about all your valid running-account loans even if you do not actively use a loan or even if you always repay the amount you have drawn by the due date at the latest.

• If your running-account loans include credit cards that you do not use or need, it is advisable to contact the lender to terminate the contract in question. After that, the information will also be removed from the e-service.

After the heading Leasing contracts, you find in brackets:

• the number of leasing contracts you have
• the lender’s name, the contract number, and the instalment amount
• a blue info button for further information.

Leasing contracts include:

• leasing contracts under which a product transfers to your possession and may become yours when the contract expires.

Under a leasing contract, you usually pay a predefined amount every month.  Leasing contracts where you cannot become the owner of the item that the contract concerns (for example, a car) are not reported to the register at all.

Note that hire-purchase financing of a car, for example, under which the car dealer binds itself to buy the car back after a certain period is not a leasing contract reportable to the register but a lump-sum loan.

If you do not have any leasing contracts, you will see the text “No leasing contracts have been reported to the register”.

View details of your leasing contracts on the Leasing contracts page.

Note that only leasing contracts that you have concluded in the capacity of consumer are reported to the register.

• In other words, leasing contracts you may have concluded for your business operations are not reported.
• Business leasing contracts are not reported to the register.

Next to the Accelerated loans heading, you will find:

• the number of your accelerated loans in brackets
• a blue info button for further information.

If you do not have any accelerated loans, you will not see this section at all. Acceleration means that the lender asks you to pay future instalments or the entire loan before the due date.

• If a lender reports to the register that a loan has been accelerated, the delayed amounts relating to the loan will be removed from the register.

Under the Accelerated loans heading, you will see the total amount of all your accelerated loans. In addition, you will see the following information itemised by loan:

• every accelerated loan and loan type, and the lender’s name in brackets
• the balance of the accelerated loan.

Please note that

• only loans that have been accelerated due to delayed amounts are shown as accelerated loans
• if a loan has been accelerated for some other reason, it is shown in the register normally without information about acceleration.

Next to the Delayed amounts heading, you will find:

• the number of your delayed amounts in brackets
• a blue info button for further information.

Delayed amounts are reported only if at least 60 days have passed since the original due date. If you do not have any delayed amounts, you will not see this section at all.

Under the Delayed amounts heading, you will see the total amount of all your delayed amounts. In addition, you will see the following information itemised by loan:

• every loan and loan type for which a delayed amount has been reported, and the lender’s name in brackets
• the delayed amount
  • Note that a delayed amount shown in the register may differ from the amount specified in a letter you have received from the lender or debt collection agency, for example, because the payments reported to the register do not always include interest or expenses.
• the original due date of the payment.

Information on a delayed amount will be removed from the register when you have paid the delayed amount in full and the lender has reported it to the register.

If the lender agrees with you on a new payment plan regarding the payment of a delayed amount, the lender will remove information about the delayed amount from the register.

• If you have a joint-liability loan, such as a home loan, you will see a symbol with two human shapes next to the loan in the summary. The symbol means that the lender has reported more than one debtor for the loan.
• Lenders requesting a credit register extract will see the number of debtors liable for the loan.

Sometimes your loan information may include a duplicate entry of the same loan for a few days even though you have only one loan. In those cases, the loan is a transferred loan. The system shows the transferred loan double only to you. Lenders requesting credit register extracts about your data will see the information correctly, i.e. only one loan.

A transferred loan means that your loan has been transferred to another lender. This happens, for example, when a lender sells your loan to another lender or transfers your loan to another organisation within the same group. The original loan will be removed from the register within a few days. After that, the loan will be shown in your information and on credit register extracts as a loan reported by the new lender (reassignee).

If your loan is included in a business restructuring program or a payment plan in a debt arrangement confirmed by a court of law, you will see only limited data on the loan. For example, you will not see

• payment transactions
• balance data
• interest data.

If the loan has several debtors and one of them is in a debt arrangement or in business restructuring, all the loan’s co-debtors will see only the limited data mentioned above.

Note the following:

• When the payment plan in a debt arrangement or the business restructuring program ends or expires, the lender will remove the information that the loan is included in a payment plan in a debt arrangement or in a business restructuring program. 
• If you have made your loan payments in accordance with the payment plan in a debt arrangement, the lender will report the loan as ended.
• If you have not paid a loan included in a debt arrangement in accordance with the payment plan, the loan may still be shown in the register even though the entry about the debt arrangement has been removed.
• If you have been confirmed to be liable for additional payments after the end of the payment plan, the loan will reappear in the register.