CGV Ventanas

Piilotettu otsikko

Education loan payment starts just in two years time that is your studies are finished.

OP’s owner-customer advantages

As 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 will get a price reduction on banking solutions and OP bonuses.

Make an application for a loan on line without managing costs

You can easily conveniently use online (in Finnish) and save well on the loan management expenses.

OP’s customers (in Finnish)

Lots of people say it’s stupid never to draw down an educatonal loan given that it’s therefore low priced. You’ll get plenty of enjoy the loan in the event that you invest it sensibly.

Concentrate on what’s most critical

While learning, you don’t need working to have along economically. Our education loan allows you to concentrate on studies as well as on living your daily life outside of college and also to make the track that is fast graduation.

We are able to give you a learning education loan at cheap and you may not have to create any repayment before you graduate. Make use of your education loan as 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 about 40% associated with loan amount surpassing 2,500 euros.

Just how to submit an application for education loan

Automated federal federal government guarantee

maxlend loans phone number

The us government guarantee for the education loan may be the collateral that is only you want whenever trying to get the mortgage. Whenever KELA makes its choice on giving student aid that is financial it immediately offers 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 a learning education loan and draw it on to your account conveniently online by logging into op.fi together with your online individual identifiers. When this occurs, you may immediately get an educatonal loan decision electronically and then draw along the loan via OP eServices.

Trying to get a student-based loan can be done even although you aren’t yet OP’s client. In this full situation, register the application form 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 two years after graduation

Education loan payment starts in two years’ time following the expiration of this pupil aid that is financial.

You may not have even to cover interest on your own loan through your studies.

Whenever giving and supervising that loan, the lender uses the individual credit information regarding the loan applicant, obtained through the credit documents of Suomen Asiakastieto Oy.

Have you been a student that is new? Study our directions for education loan applications.

Will you be a student that is existing? You will need to submit an application for a education loan from your own bank each educational 12 months. Note! If you’re continuing your studies while having currently drawn down education loan, you need to make an application for additional to your loan. To learn more, browse the part “Continuing your studies? Submit an application for extra” with this web web page.

1. Don’t forget 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 students get this guarantee choice immediately along with their student give decision. If you’re in additional education, make an application for that loan guarantee from KELA utilizing a split kind whenever trying to get a research grant and housing supplement. We advice obtaining the mortgage guarantee for the whole amount of studies at once.

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

2. Make an application for student loan online

• OP’s customers: probably the most convenient method to 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: it is possible to submit an application for that 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 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, it is possible to make an application for an educatonal loan at an OP cooperative bank branch utilizing the consent from your own parents/guardians.

3. Loan is present for drawdown from the banking day that is next

After the application is authorized, the education loan should be readily available for drawdown in many situations in the business that is next currently. When you yourself have chosen automated drawdown according to the pupil educational funding decision, the income would be available on the account regarding the very first feasible payment 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.

Costs

Brand New loans are at the mercy of an origination cost, which will be deducted through the drawdown amount that is first. Owner-customers have the loan without any origination cost by filing the application online.