- A Oy offered a one-time loan comparison service to customers.
- A Oy planned to start offering a continuous loan comparison service.
- In the one-time service, A Oy charged a fee based on the loan comparison.
- In the continuous service, A Oy charged a fixed monthly fee.
- Both services involved the same tasks performed by A Oy.
- A Oy compared customer information with current loan market data.
- A Oy produced an analysis for the bank to start the bidding process.
- A Oy prepared a loan request for the bank, received offers, compared loans, and gave a recommendation to the customer.
- A Oy forwarded the customer’s response to the bank and assisted in finalizing the loan agreement.
- The core of both services was to connect the customer and the bank for a loan agreement.
- The services were considered VAT-exempt credit intermediation services.
- This was a sale of financial services as per the relevant law.
- The advance ruling was valid from June 18, 2025, to December 31, 2026.
Source: vero.fi
Note that this post was (partially) written with the help of AI. It is always useful to review the original source material, and where needed to obtain (local) advice from a specialist.
