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 will get a learning 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 line without handling costs
You can easily conveniently use online (in Finnish) and save very well the loan control expenses.
OP’s customers (in Finnish)
Many individuals say it is stupid to not draw a student loan down given that it’s therefore low priced. You’ll get a lot of enjoy the loan it wisely if you spend.
Give attention to what’s most significant
While learning, you certainly do not need to operate to obtain along economically. Our student loan lets you focus on studies as well as on residing your daily life outside of college and also to use the quick track to graduation.
We are able to give you pupil loan at low priced and you may not need in order to make any payment before you graduate. Make use of your education loan as you like – for example, for lease, clothes, study materials or travelling.
Education loan payment
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 settlement is the reason 40% associated with loan quantity surpassing 2,500 euros.
How exactly to submit an application for student loan
Automatic federal federal federal government guarantee
The federal government guarantee for the education loan may be the only collateral that you may need whenever obtaining the mortgage. When KELA makes its choice on giving pupil aid that is financial it immediately provides an assurance choice to all or any those college pupils who it verifies as study give beneficiaries.
Apply online (in Finnish)
You are able to submit an application for a learning student loan and draw it on to your account conveniently online by logging into op.fi together with your online individual identifiers. When this happens, you may immediately get an educatonal loan choice electronically and then draw along the loan via OP eServices.
Trying to get a student-based loan is achievable even though you aren’t yet OP’s client. In this full situation, register the program without logging in. We will 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 a couple of years after graduation
Student loan payment starts in two years’ time following the expiration associated with the student aid that is financial.
That you don’t have even to cover interest on the loan through your studies.
When giving and supervising that loan, the lender makes use of the individual credit information for the loan applicant, acquired through the credit documents of Suomen Asiakastieto Oy.
Will you be a student that is new? Browse our directions for education loan applications.
Will you be a current pupil? You’ll want to submit an application for a education loan from your own bank each educational 12 months. Note! If you should be continuing your studies and also currently drawn down education loan, you need to make an application for additional towards the loan. To find out more, see the area “Continuing your studies? Make an application for extra” with this page.
1. Make every effort to get that loan guarantee first from Kela
To use for a student-based loan, you will need Kela’s student loan guarantee that is valid. University pupils get this guarantee choice immediately along with their student decision that is grant. If you should be in secondary education, make an application for a loan guarantee from KELA utilizing a separate kind when obtaining a study grant and housing health health supplement. We advice 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 information straight from Kela.
2. Make an application for a learning student loan online
- OP’s customers: the absolute most way that is convenient submit an application for a student-based loan is through signing into op.fi. Whenever you file the application form online, you can expect to immediately have the loan choice via this solution.
- Other customers: you’ll make an application for that loan on op.fi even though you are not customer that is OP’s. File the program without signing in and we’ll phone you within 1–3 banking times. In the event that application is approved, we request you to go right to the agreed OP cooperative bank branch to finalise your education loan application.
If you should be a small, you are able to make an application for a student loan at an OP cooperative bank branch because of the permission from your own parents/guardians.
3. Loan can be acquired for drawdown regarding the next banking time
After the application happens to be authorized, the education loan would be readily available for drawdown in many situations on the next working day currently. The money will be available on your account on the first possible payment allied cash advance flex loan date if you have chosen automatic drawdown according to the student financial aid decision.
Note! If the initial drawdown date falls for a weekend or bank vacation, the mortgage may be utilized in your account in training in the following day banking institutions are available, in other words. On the next banking time.
Brand brand brand New loans are susceptible to an origination cost, which will be deducted through the drawdown amount that is first. Owner-customers obtain the loan without any origination charge by filing the application online.