Piilotettu otsikko
Education loan payment starts just in two years time that is your studies are finished.
OP’s owner-customer advantages
As an owner-customer, you could get education loan without any solution charge, provided you filed your loan application at op.fi. In addition, you shall get a price reduction on banking solutions and OP bonuses.
Submit an application for a loan on the web without managing costs
It is possible to conveniently use online (in Finnish) and save well on the loan managing expenses.
OP’s clients (in Finnish)
Lots of people state it is stupid to not ever draw straight down an educatonal loan given that it’s therefore low priced. You’ll get plenty of take advantage of the loan if you invest it sensibly.
Give attention to what’s most significant
While learning, there is no need working to have along economically. Our education loan allows you to give attention to studies as well as on living your daily life outside of college also to use the quick track to graduation.
We are able to give you education loan at inexpensive and you’ll not need to create any payment and soon you graduate. Make use of your education loan while you like – for example, for rental, 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 40% associated with loan quantity exceeding 2,500 euros.
Just how to submit an application for a learning pupil loan
Automatic federal federal government guarantee
The us government guarantee for the education loan could be the collateral that is only you’ll need whenever trying to get the mortgage. When KELA makes its choice on giving pupil aid that is financial it immediately provides a warranty choice to all the those college pupils whom it verifies as study grant beneficiaries.
Apply online (in Finnish)
You’ll make an application for education loan and draw it on to your bank account conveniently online by logging into op.fi along with your online individual identifiers. When this occurs, you can expect to immediately get an educatonal loan choice electronically and also draw along the loan via OP eServices.
Trying to get an educatonal loan is achievable even though you aren’t yet OP’s client. In this situation, register the application form without logging in. We will then phone you within 1–3 business times. When it comes to approval, please go the agreed OP bank that is cooperative to finalise your education loan application.
Repayment 24 months after graduation
Education loan payment starts in two years’ time following the expiration of this pupil aid that is financial.
That you do not have even to cover interest on your own loan throughout your studies.
Whenever giving and supervising that loan, the lender utilizes the individual credit information associated with the loan applicant, acquired through the credit documents of Suomen Asiakastieto Oy.
Will you be a brand new pupil? Browse our directions for education loan applications.
Are you currently a current pupil? You ought to make an application for a education loan from your own bank each year that is academic. Note! If you should be continuing your studies while having currently drawn down education loan, you need to make an application for additional towards the loan. To learn more, browse the area “Continuing your studies? Make an application for extra” with this web web page.
1. Make sure to get a loan guarantee first from Kela
To utilize for a student-based loan, you’ll need Kela’s legitimate education loan guarantee. University pupils receive this guarantee choice immediately as well as their student decision that is grant. If you should be in secondary education, make an application for a loan guarantee from KELA utilizing a form that is separate trying to get a research grant and housing health health supplement. We suggest trying to get the mortgage guarantee for the whole amount of studies at once.
Once the loan guarantee choice is made, your bank gets this given information straight from Kela.
2. Submit an application for a learning student loan online
- OP’s customers: the essential convenient option to submit an application for a student-based loan is through signing into op.fi. Once you file the application form online, you are going to immediately get the loan choice via this solution.
- Some other clients: you are able to make an application for that loan on op.fi even though you aren’t customer that is OP’s. File the application without signing in and we’ll phone you within 1–3 banking times. In the event that application is authorized, we ask you to go directly to the agreed OP bank that is cooperative to finalise your education loan fig loans application.
If you’re a small, you’ll submit an application for an educatonal loan at an OP cooperative bank branch aided by the permission from your own parents/guardians.
3. Loan can be obtained for drawdown in the next banking time
After the job has been authorized, the education loan will soon be readily available for drawdown more often than not in the next working day currently. When you have chosen automated drawdown according to the pupil school funding decision, the funds is going to be available on the account from the very first possible payment date.
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.
Expenses
Brand New loans are susceptible to an origination charge, that is deducted through the drawdown amount that is first. Owner-customers have the loan with no origination charge by filing the application online.