Carefree student life by having a learning student loan
OP’s owner-customer advantages
As an owner-customer, you could get a learning pupil 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 managing costs
It is possible to conveniently use online (in Finnish) and save very well the loan management expenses.
OP’s clients (in Finnish)
Many individuals state it is stupid not to ever draw a student loan down since it’s therefore low priced. You’ll get plenty of take advantage of the loan it wisely if you spend.
Concentrate on what’s most significant
While learning, you certainly do not need to the office to have along economically. Our education loan lets you give attention to studies as well as on living yourself outside of college also to use the track that is fast graduation.
We could give you a learning pupil loan at cheap and you’ll not need to produce any payment before you graduate. Make use of 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 is the reason 40% associated with the loan quantity surpassing 2,500 euros.
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Automated government guarantee
The federal government guarantee for the education loan could be the collateral that is only you will need whenever trying to get the mortgage. Whenever KELA makes its choice on giving pupil educational funding, it immediately offers a warranty choice to any or all those college pupils who it verifies as study give beneficiaries.
Apply online (in Finnish)
It is possible to make an application for a learning pupil loan and draw it down into your account conveniently online by logging into op.fi together with your online individual identifiers. When this happens, you certainly will immediately get an educatonal loan choice electronically and then draw along the loan via OP eServices.
Trying to get an educatonal loan is achievable even though you aren’t customer that is yet OP’s. 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 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 for the student aid that is financial. That you do not have even to cover interest in your loan through your studies.
Whenever giving and supervising financing, the lender makes use of the individual credit information associated with the loan applicant, obtained through the credit documents of Suomen Asiakastieto Oy.
Are you currently a brand new pupil? Study our directions for education loan applications.
Will you be a current pupil? You’ll want to submit an application for an educatonal loan from your own bank each scholastic 12 months. Note! If you’re continuing your studies and also currently drawn down education loan, you really need to submit an application for additional into the loan. To learn more, see the area “Continuing your studies? Make an application for extra” with this web web page.
1. Make every effort to get that loan guarantee first from Kela
To try to get an educatonal loan, you’ll need Kela’s legitimate education loan guarantee. University pupils get 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 employing a split type when trying to get a report grant and housing health supplement. We suggest trying to get the mortgage guarantee when it comes to period that is entire of all at once.
If the loan guarantee choice happens to be 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 convenient solution to submit an application for a student-based loan is through signing into op.fi. Once you file the application form online, you can expect to immediately have the loan choice via this service.
- Other customers: you can easily make an application for a loan on op.fi even although 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 approved, we request you to go right to the agreed OP bank that is cooperative to finalise your education loan application.
If you should be a small, you can easily submit an application for an educatonal loan at an OP cooperative bank branch because of the permission from your own parents/guardians.
3. Loan can be obtained for drawdown in the next banking time
After the job happens to be authorized, the education loan is going to be readily available for drawdown generally in most instances in 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 initial drawdown date falls for a weekend or bank getaway, the mortgage may be used in your bank account in training in the following day banking institutions are available, in other words. In the next banking time.
Brand brand New loans are susceptible to an origination cost, which can be deducted from the very first drawdown quantity. Owner-customers have the loan without any origination charge by filing the application online.