On this page you will find a list of contact details for financing and loan services grouped by services.

Please also note our service-specific customer service time and prefer email when contacting us.

The Lending unit can be contacted by telephone on weekdays from 10 a.m. to noon.
Fax +358 295 50 3801

Calling and queuing costs will be in accordance with the caller’s own operator’s local network and mobile phone charge. In addition, the operator may charge a separate per-minute fee because numbers starting with 029 are usually not included in phone subscriptions. The State Treasury does not charge service fees or additional fees for calls. Unfortunately, it is not possible to send text messages to joint service numbers.

  • Arava loans and interest subsidies

    Credit Manager Jari Häkkinen, tel.+358 295 50 2080

    Guarantees, mergers, loan transfers, Arava restrictions, financial revitalisation measures and financial arrangements for Arava rental housing communities, conversion guarantees, risk management, debt settlement, collection

    Customer service:
    Telephone +358 295 50 3030 (weekdays from 10 a.m. to noon)
    E-mail aravalainat(at)statetreasury.fi, subsidies(at)statetreasury.fi

    Finance Specialist Helena Arttola, tel. +358 295 50 2134
    Finance Specialist Jenna Juntunen, tel. +358 295 50 2103
    Finance Specialist Eeva Jäske, tel. +358 295 50 2008
    Finance Specialist Tuija Käckman, tel. +358 295 50 2767
    Finance Specialist Jonna Reilimo, tel. +358 295 50 2399
    Finance Specialist Marjo Terävä, tel. +358 295 50 2538Credit Officer Anna-Riikka Saastamoinen, tel. +358 295 50 2177

  • ASP loans and guarantees

    Credit Manager Mirkka Luoma, tel. +358 295 50 2515

    Customer service:
    tel. +358 295 50 2248 (from 10 a.m. to noon)
    E-mail asp(at)statetreasury.fi

    ASP monitoring: 
    E-mail asp.valvonta(at)statetreasury.fi

    Credit Officer Anne Kostamo, tel. +358 295 50 2040
    Credit Officer Jani Kuusisto, tel. +358 295 50 2254
    Credit Specialist Jenny Laakso, tel. +358 295 50 2006
    Credit Secretary Katariina Leskinen, tel. +358 295 50 3043
    Finance Specialist Elina Vanhanen, tel. +358 295 50 3339

  • Company loans and specific purpose credit

    Credit Manager Maria-Elisa Eerikäinen, tel. +358 295 502 510

    Company loans

    Product development loans, loans for unincorporated state enterprises

    Customer service:
    Telephone tel. +358 295 50 2530 (weekdays from 10 a.m. to noon)
    E-mail yritysluotot(at)statetreasury.fi

    Finance Secretary Saana Inberg, tel. +358 295 50 2160
    Credit Secretary Kertu Martinson-Harri, tel. +358 295 50 2396
    Finance Specialist Sonja Nivala, tel. +358 295 2189
    Finance Specialist Riikka Saaranen, tel. +358 295 50 3381
    Finance Secretary Salla Takanen (on leave)

    Special loans and interest subsidy loans, and government guarantees and warranties

    Development loans and interest subsidy loans, other government guarantees and warranties not related to housing finance

    Customer service in matters related to invoicing and contractual relations:
    Email specialfinance(at)statetreasury.fi

    Finance Secretary Saana Inberg, tel. +358 295 50 2160
    Credit Secretary Kertu Martinson-Harri, tel. +358 295 50 2396
    Finance Specialist Sonja Nivala, tel. +358 295 2189
    Finance Specialist Riikka Saaranen, tel. +358 295 50 3381
    Finance Inspector Maarit Toivettula, tel. +358 295 50 2523

    Customer service for reporting and government guarantees:
    Email stateguarantees(at)statetreasury.fi

    Finance Specialist Sonja Nivala, tel. +358 295 2189
    Finance Specialist Riikka Saaranen, tel. +358 295 50 3381

    Agricultural credits

    Purchase price receivables, skolt loans, land improvement loans, forest improvement loans, basic drainage loans, redistribution loans

    Customer service:
    Telephone tel. +358 295 50 3010 (weekdays from 10 a.m. to noon)
    E-mail maaseutuluotot(at)statetreasury.fi

    Credit Secretary Kertu Martinson-Harri, tel. +358 295 50 2396
    Finance Inspector Maarit Toivettula, tel. +358 295 50 2523

  • Management

    Head of Department Sanna Pälsi, tel. +358 295 50 2210
    Deputy Director, Housing Finance, Soile Karttunen, tel. +358 295 3313
    Deputy Director, Specific Purpose Credit, Marika Rinnemaa, tel. +358 295 3371

  • Legal & Risk Control

    Email lakiasiat.antolainaus(at)statetreasury.fi

    Head of Legal Hannele Leander, tel. +358 295 50 2172
    Legal Counsel Alexandra Ventovuori, tel. +358 295 50 2097
    Legal Counsel Ida-Maria Mäkinen, tel. +358 295 50 2343

  • Development & Product Management

    Team Lead Mirva Suoknuuti, tel. +358 295 50 2025

    Development, Product Management & Reportin

    Application development, main administrator duties and reporting

    Email sovellushallinta(at)statetreasury.fi

    Development Manager Eero Valli, tel. +358 295 50 2583
    System Specialist Pia Saaristo, tel. +358 295 50 2569
    Applications Specialist Sari-Marja Piiroinen, tel. +358 295 50 2524
    Information Services Specialist Veli-Matti Varila, tel. +358 295 50 2128
    Information Services Manager Niina Lempinen, tel. +358 295 50 2565

    Credit Service

    Payment transactions, customer service

    Customer service:
    Telephone tel. +358 295 50 2520 (weekdays from 10 a.m. to noon)
    E-mail luottopalvelu(at)statetreasury.fi

    Credit Secretary Päivi Linsén, tel. +358 295 50 2477
    Credit Secretary Tea Niemelä, tel. +358 295 59 2032