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Carefree student life having a learning student loan

OP’s owner-customer benefits

Being 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 receive a price reduction on banking solutions and OP bonuses.

Submit an application for a loan on line without handling costs

You can easily conveniently apply online (in Finnish) and spend less on the loan management expenses.

OP’s customers (in Finnish)

Lots of people state it is stupid not to ever draw straight down an educatonal loan since it’s therefore low priced. You’ll get plenty of gain benefit from the loan in the event that you invest it sensibly.

Give attention to what’s important

While learning, there is no need to get results to get along economically. Our education loan allows you to give attention to studies as well as on residing your daily life away from school also to use the quick track to graduation.

We could give you a learning education loan at low priced and you may not need to create any payment and soon you graduate. Make use of your education loan while you like – for example, for rent, clothes, learn materials or travelling.

Education loan payment

In the event that you began your studies after 2014, you may possibly gain as much as huge number of euros through the education loan settlement by graduating on time. The education loan payment makes up 40% associated with loan quantity exceeding 2,500 euros.

How exactly to make an application for a learning pupil loan

Automated government guarantee

The us government guarantee for your education loan may be the collateral that is only you may need whenever obtaining the mortgage. Whenever KELA makes its choice on giving pupil aid that is financial it immediately gives an assurance choice to any or all those college pupils whom it verifies as study give beneficiaries.

Apply online (in Finnish)

It is possible to make an application for pupil loan and draw it down into your account conveniently online by logging into op.fi along with your online individual identifiers. When this occurs, you may immediately get a student-based loan choice electronically and then draw along the loan via OP eServices.

Obtaining an educatonal loan is achievable even though you aren’t customer that is yet OP’s. In this full case, 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 two years after graduation

Education loan payment starts in two years’ time following the expiration associated with pupil school funding. That you do not even have to pay for interest in your loan throughout your studies.

Whenever giving and supervising that loan, the lender makes use of the credit that is personal regarding the loan applicant, acquired through the credit documents of Suomen Asiakastieto Oy.

Are you currently a student that is new? Study our directions for education loan applications.

Are you currently a current pupil? You’ll want to make an application for a education loan from your own bank each scholastic 12 months. Note! If you’re continuing your studies while having currently drawn down education loan, you ought to submit an application for additional into the loan. To find out more, see the section “Continuing your studies? Submit an application for extra” with this web web web page.

1. Make every effort to get a loan guarantee first from Kela

To try to get an educatonal loan, you’ll 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 a loan guarantee from KELA employing a separate type whenever trying to get a research grant and housing health health supplement. We advice trying to get the mortgage guarantee when it comes to whole amount of studies all at once.

As soon as the loan guarantee choice happens to be made, your bank gets this given information straight from Kela.

2. Submit an application for a learning education loan online

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• OP’s customers: probably 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 though you aren’t OP’s client. File the program 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 cooperative bank branch to finalise your education loan application.

If you should be a small, it is possible to make an application for an educatonal loan at an OP cooperative bank branch with all the permission from your 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 readily available for drawdown more often than not on the next working day currently. When you have chosen automated drawdown relating to the student school funding decision, the funds is going to be available on the account from the very first feasible repayment date.

Note! If the initial drawdown date falls for a week-end or bank vacation, the mortgage are utilized in your account in training from the following day banking institutions are available, in other words. From the next banking time.

Costs

Brand brand New loans are susceptible to an origination charge, which will be deducted through the drawdown amount that is first. Owner-customers have the loan without any origination charge by filing the application online.