Piilotettu otsikko
Education loan repayment begins just in two years’ time after your studies are finished.
OP’s owner-customer advantages
Being an owner-customer, you may get pupil loan without any solution charge, provided you filed your loan application at op.fi. In addition, you will get a discount on banking solutions and OP bonuses.
Submit an application for a loan on line without managing costs
You are able to conveniently use online (in Finnish) and save well on the loan maneuvering expenses.
OP’s customers (in Finnish)
Many individuals state it is stupid never to draw a student loan down as it’s therefore low priced. You’ll get plenty of gain benefit from the loan it wisely if you spend.
Concentrate on what’s most crucial
While learning, you don’t need working to have along economically. Our education loan lets you give attention to studies as well as on living your daily life outside of school also to use the quick track to graduation.
We could provide you with a learning education loan at low priced and you may not need to create any payment before you graduate. Use your education loan while you like – for example, for lease, clothes, learn materials or travelling.
Education loan settlement
You may gain up to thousands of euros from the student loan compensation by graduating on time if you started your studies after 2014. The education loan payment makes up about 40% associated with the loan quantity surpassing 2,500 euros.
Just how to submit an application for a learning education loan
Automated government guarantee
The federal government guarantee for the education loan could be the only collateral that you’ll need whenever trying to get the mortgage. Whenever KELA makes its choice on giving pupil aid that is financial it immediately offers a warranty choice to all or any those university students whom it verifies as study give beneficiaries.
Apply online (in Finnish)
You are able to submit an application for education super pawn america loan and draw it on to your account conveniently online by logging into op.fi along with your online individual identifiers. When this happens, you may immediately get a student-based loan choice electronically and also draw the loan down via OP eServices.
Obtaining a student-based loan is achievable even though you aren’t yet OP’s consumer. In this full situation, register the application form without logging in. We shall then phone you within 1–3 business times. When it comes to approval, please go the agreed OP cooperative bank branch to finalise your education loan application.
Repayment two years after graduation
Education loan payment starts in two years’ time following the expiration associated with pupil aid that is financial.
You may not have to cover interest in your loan throughout your studies.
Whenever giving and supervising that loan, the lender makes use of the credit that is personal regarding the loan applicant, acquired through the credit data of Suomen Asiakastieto Oy.
Have you been a student that is new? Browse our instructions for education loan applications.
Are you currently a current pupil? You’ll want to submit an application for a student-based loan from your bank each year that is academic. Note! If you’re continuing your studies while having currently drawn down education loan, you ought to submit an application for additional to your loan. To find out more, see the part “Continuing your studies? Submit an application for extra” with this web web page.
1. Make every effort to get a loan guarantee first from Kela
To try to get an educatonal loan, you will need Kela’s legitimate education loan guarantee. University students receive this guarantee decision immediately as well as their student decision that is grant. If you’re in additional education, submit an application for a loan guarantee from KELA making use of a split type whenever trying to get a report grant and housing supplement. We advice trying to get the mortgage guarantee for the whole amount of studies all at once.
As soon as the loan guarantee choice happens to be made, your bank gets this information directly from Kela.
2. Submit an application for a learning student loan online
- OP’s customers: the absolute most convenient solution to submit an application for a student-based loan is through signing into op.fi. You will automatically receive the loan decision via this service when you file the application online.
- Some other clients: it is possible to make an application for a loan on op.fi even though you aren’t OP’s client. File the program without signing in and we’ll phone you within 1–3 banking times. In the event that application is authorized, we request you to go directly to the agreed OP cooperative bank branch to finalise your education loan application.
If you’re a small, you are able to submit an application for an educatonal loan at an OP cooperative bank branch using the consent from your own parents/guardians.
3. Loan is present for drawdown regarding the banking day that is next
After the application happens to be authorized, the education loan is supposed to be designed for drawdown more often than not in the next working day currently. The money will be available on your account on the first possible payment date if you have chosen automatic drawdown according to the student financial aid decision.
Note! The loan can be transferred to your account in practice on the next day banks are open, i.e. On the next banking day if the first drawdown date falls on a weekend or bank holiday.
Costs
Brand brand brand New loans are susceptible to an origination charge, that is deducted through the drawdown amount that is first. Owner-customers have the loan without any origination charge by filing the application online.