Education loan payment starts only in two years’ time after your studies are finished.
OP’s owner-customer advantages
As an owner-customer, you may get a learning education loan without any solution charge, provided you filed your loan application at op.fi. In addition, you will get a price reduction on banking solutions and OP bonuses.
Submit an application for a loan on line without managing costs
You are able to conveniently apply online (in Finnish) and save very well the loan control costs.
OP’s clients (in Finnish)
Lots of people state it’s stupid to not draw a student loan down since it’s therefore low priced. You’ll get plenty of take advantage of the loan in the event that you invest it sensibly.
Give attention to what’s most critical
While learning, you don’t need working to get along economically. Our education loan allows you to consider studies as well as on residing your daily life outside of college also to just take the track that is fast graduation.
We are able to give you a learning education loan at low priced and you may not need to make any payment and soon you graduate. Make use of your education loan while you like – for example, for lease, clothes, learn materials or travelling.
Education loan settlement
In the event that you began your studies after 2014, you may possibly gain as much as 1000s of euros through the education loan settlement by graduating on time. The education loan payment is the reason 40% of this loan quantity surpassing 2,500 euros.
Simple tips to submit an application for pupil loan
Automated government guarantee
The us 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 decision on giving pupil educational funding, it immediately provides a warranty choice to all or any those college pupils whom it verifies as study give beneficiaries.
Apply online (in Finnish)
You are able to make an application for a learning pupil loan and draw it on to your account conveniently online by logging into op.fi along with your online user identifiers. When this happens, you may immediately get an educatonal loan choice electronically and also draw the loan down via OP eServices.
Trying to get a student-based loan can be done even although you aren’t customer that is yet OP’s. In this 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 bank that is cooperative to finalise your education loan application.
Repayment a couple of years after graduation
Education loan payment starts in two years’ time following the expiration regarding the pupil aid that is financial.
You may not have even to pay for interest on your own loan through your studies.
Whenever giving and supervising that loan, the financial institution utilizes the individual credit information regarding the loan applicant, acquired from the credit documents of Suomen Asiakastieto Oy.
Are you currently a student that is new? Study our directions for education loan applications.
Have you been a current student? You’ll want to submit an application for an educatonal loan from your own bank each educational 12 months. Note! If you should be continuing your studies and have now currently drawn down education loan, you need to submit an application for extra to your loan. To find out more, browse the part “Continuing your studies? Make an application for extra” with this web page.
1. Make sure to get a loan guarantee first from Kela
To try to get a student-based loan, you will need www checkmate loans com approved Kela’s student loan guarantee that is valid. University pupils get this guarantee choice immediately as well as their student give decision. If you should be in additional education, submit an application for that loan guarantee from KELA making use of a split type whenever trying to get a report grant and housing health health supplement. We suggest trying to get the mortgage guarantee for the whole amount of studies all at once.
Once the loan guarantee choice is made, your bank gets this information directly from Kela.
2. Make an application for a learning education loan online
- OP’s customers: the essential way that is convenient submit an application for an educatonal loan is through signing into op.fi. Whenever you file the application form online, you may immediately get the loan decision via this solution.
- Some other clients: you’ll submit an application for that loan on op.fi even though you aren’t customer that is OP’s. File the program without signing in and we’ll call you within 1–3 banking times. If the application is authorized, we request you to go directly to the agreed OP bank that is cooperative to finalise your education loan application.
You can apply for a student loan at an OP cooperative bank branch with the consent from your parents/guardians if you are a minor.
3. Loan can be obtained for drawdown regarding the banking day that is next
After the application was authorized, the education loan may be readily available for drawdown in many situations regarding the business that is next 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! If the very first drawdown date falls for a weekend or bank getaway, the mortgage may be utilized in your account in training regarding the following day banking institutions are available, in other words. Regarding the next banking time.
Brand New loans are subject to an origination fee, which will be deducted through the very first drawdown quantity. Owner-customers obtain the loan without any origination cost by filing the application online.