Education loan payment starts just in two years time that is your studies are finished.
Carefree pupil life having a learning education loan
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 receive a price reduction on banking services 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 maneuvering costs.
OP’s clients (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 critical
While learning, there is no need working to obtain along financially. Our education loan allows you to concentrate on studies and on residing everything away from college and also to just take the quick track to graduation.
We could offer education loan at cheap and you’ll not need to create any repayment and soon you graduate. Make use of your education loan while you like – for example, for lease, clothes, learn materials or travelling.
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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 the loan quantity surpassing 2,500 euros.
Simple tips to submit an application for pupil loan
Automated federal federal federal government guarantee
The us government guarantee for the education loan may be the collateral that is only you may need when trying to get the mortgage. Whenever KELA makes its choice on giving pupil aid that is financial it immediately provides an assurance choice to any or all those college students whom it verifies as study give beneficiaries.
Apply online (in Finnish)
It is possible to make an application for pupil 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 are going to immediately get an educatonal loan choice electronically and then draw the loan down via OP eServices.
Obtaining a student-based loan is achievable even although 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 days. When it comes to approval, please go the agreed OP bank that is cooperative to finalise your education loan application.
Repayment 2 years after graduation
Education loan payment starts in two years’ time following the expiration associated with the pupil educational funding. You don’t have even to cover interest on your own loan throughout your studies.
Whenever granting and supervising that loan, the financial institution utilizes the individual credit information associated with the loan applicant, acquired from the credit documents of Suomen Asiakastieto Oy.
Are you currently a student that is new? Browse our directions for education loan applications.
Will you be a student that is existing? You will need to submit an application for a student loan from your own bank each educational 12 months. Note! You should apply for extra to the loan if you are continuing your studies and have already drawn down student loan. To find out 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 student loan guarantee that is valid. University pupils get this guarantee choice immediately along with their student give decision. If you’re in additional education, submit an application for that loan guarantee from KELA employing a split type when trying to get a research grant and housing health supplement. We suggest trying to get the mortgage guarantee for the period that is entire of all at once.
Whenever loan guarantee decision happens to be made, your bank gets this information straight from Kela.
2. Submit an application for a learning education loan online
- OP’s customers: probably the most way that is convenient make 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: you are able to submit an application for a 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 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, it is possible to 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 regarding the next banking time
After the application happens to be authorized, the education loan should be designed for drawdown more often than not on the next working day currently. When you have chosen automated drawdown according to the pupil educational funding choice, the cash should be available on your own account regarding the first feasible repayment 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.
Brand brand brand New loans are at the mercy of an origination charge, that will be deducted through the very first drawdown quantity. Owner-customers obtain the loan without any origination cost by filing the application online.
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