Lending

Municipality Finance is the third largest credit institution in Finland. We are the only lender focused on the financing and financial risk management of municipally owned corporations and non-profit housing companies. Municipality Finance acquires the funding it needs from the international financial markets. The reasonable pricing of our funding acquisition and, as a result, competitive pricing in our lending is ensured by our credit rating, which is the highest possible (Moody's Aaa and Standard & Poor's AAA).

We strive to operate in an active, open and equitable manner, and to create added value to our shareholders.

Through us, our customers receive financing and expert financial risk management cost-effectively.

A municipal financing system that is independent of banks has proven to be necessary and effective, even in challenging market conditions. Municipality Finance has been able to ensure that its customers' projects are implemented in a flexible manner in all circumstances.

We offer our customers clear and easily understandable financing solutions. The foundation of our operations is openness and partnership in all situations. This allows us to earn our customers' trust time after time.

Municipality Finance can grant financing to:

• municipalities and municipal federations
• municipally owned corporations
• municipally owned housing companies and housing organisations with non-profit status (non-profit housing organisations listed by the Housing Finance and Development Centre of Finland).