Ilmarinen’s client loan – a safe option

Ilmarinen finances the operations of its client companies. The benefits of Ilmarinen client loans include:

• reference rate which is calculated on the basis of the yields from EMU-states government bonds,
• a choice between a fixed or a floating rate,
• convenient loan repayments and interest rate payments through the Ilmarinen online service.

TyEL premium loans

The amount of a TyEL loan depends on the total of TyEL contributions paid by the company. If you can secure the loan with a guarantee, the interest is the TyEL loan rate without a margin. With any other security, the total interest comprises the TyEL loan rate plus a case-by-case margin.

Investment loans

The investment loan rate is bound to the TyEL reference rate plus a case-by-case margin.

Subordinated loans

A subordinated loan is suitable for company acquisitions, MBOs and for financing rapidly growing companies. The terms of subordinated loans are agreed on a case-by-case basis.

If you would like to discuss financing options with us, please contact our Corporate Financing.