Energy finance

Helen offers an easy and flexible energy finance solution for solar power systems and district heating connections.

  • 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.
  • One month’s payment period with no interest or charges.       
  • 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.

Apply for finance (Finnish)

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.

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

Apply for finance (Finnish)

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.

See also


Billing

Here you can find answers to billing related questions.


E-invoice


Account numbers


Instructions for reading the bill


Postponing bill payment


Debt collection


Direct payment


MobilePay billing

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