Education loan payment starts just in two years’ time after your studies are finished.
OP’s owner-customer advantages
Being an owner-customer, you will 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.
Make an application for a loan on the web without managing costs
You are able to conveniently apply online (in Finnish) and save very well the loan managing expenses.
OP’s clients (in Finnish)
Many individuals state it’s stupid not to ever draw straight down an educatonal loan since it’s therefore cheap. You’ll get plenty of take advantage of the loan in the indylend loans fees event that you spend it sensibly.
Concentrate on what’s most crucial
While learning, you certainly do not need working to have along economically. Our education loan lets you consider studies as well as on residing your daily life outside of college and also to make the track that is fast graduation.
We are able to provide you with student loan at cheap and you may not need to help make any payment and soon you graduate. Make use of your student loan while you like – for example, for lease, clothes, learn materials or travelling.
Student 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% of this loan quantity surpassing 2,500 euros.
How exactly to submit an application for education loan
Automated federal government guarantee
The federal government guarantee for the education loan may be the collateral that is only you want whenever trying to get the mortgage. When KELA makes its choice on giving pupil aid that is financial it automatically provides an assurance choice to all or any those college pupils whom it verifies as study give beneficiaries.
Apply online (in Finnish)
It is possible to submit 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 will definitely immediately get an educatonal loan choice electronically and then draw the loan down via OP eServices.
Trying to get an educatonal loan can be done even though you aren’t yet OP’s customer. In this full situation, register the program without logging in. We shall 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 24 months after graduation
Education loan payment starts in two years’ time following the expiration associated with pupil school funding.
That you do not have even to pay for interest on the loan through your studies.
Whenever granting and supervising financing, the lender utilizes the individual credit information for the loan applicant, acquired through the credit data files of Suomen Asiakastieto Oy.
Are you currently a student that is new? Browse our instructions for education loan applications.
Have you been a current pupil? You’ll want to submit an application for a student-based loan from your own bank each scholastic 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 learn more, browse the area “Continuing your studies? Submit an application for extra” with this web web web page.
1. Make sure to get a loan guarantee first from Kela
To utilize for an educatonal loan, you will need 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, make an application for that loan guarantee from KELA making use of a separate type whenever 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.
Whenever loan guarantee choice 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: The most way that is convenient make an application for a education 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 make an application for that loan on op.fi even although you aren’t OP’s consumer. 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 directly to the agreed OP bank that is cooperative to finalise your education loan application.
If you’re a small, you’ll make an application for an educatonal loan at an OP cooperative bank branch because of the permission from your own parents/guardians.
3. Loan is present for drawdown in the banking day that is next
After the job happens to be authorized, the education loan is going to be designed for drawdown more often than not regarding the next working day currently. For those who have chosen automated drawdown relating to the student educational funding choice, the amount of money will likely to be available on the 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 New loans are at the mercy of an origination cost, which will be deducted through the very first drawdown quantity. Owner-customers have the loan without any origination cost by filing the application online.