Being an owner-customer, you will get a learning education 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.
It is possible to conveniently use online (in Finnish) and save very well the loan management expenses.
OP’s customers (in Finnish)
Many individuals state it’s stupid never to draw straight down a education 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.
While learning, there is no need working to obtain along financially. Our education loan allows you to give attention to studies as well as on residing your daily life outside of college also to simply take the quick track to graduation.
We are able to give you pupil loan at low priced and you may not need to produce any payment unless you graduate. Make use of your education loan while you like – for example, for lease, clothes, learn materials or travelling.
In the event that you began your studies after 2014, you may possibly gain as much as lots and lots of euros through the education loan settlement by graduating on time. The education loan payment makes up 40% of this loan quantity surpassing 2,500 euros.
The government guarantee for the education loan could be the only collateral that you’ll need whenever trying to get the mortgage. Whenever KELA makes its choice on giving pupil aid that is financial it automatically provides a guarantee choice to all or any those college students whom it verifies as study grant beneficiaries.
You’ll submit an application for education loan and draw it on to your bank account conveniently online by logging into op.fi together with your online individual identifiers. When this happens, you are going to immediately get a student-based loan choice electronically and also draw the loan down via OP eServices.
Trying to get a student-based loan is possible even though you aren’t customer that is yet OP’s. In this full situation, register the application without logging in. We shall 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.
Education loan payment starts in two years’ time following the expiration for the pupil educational funding. You may not have to pay for interest on your own loan through your studies.
Whenever giving and supervising financing, the lender uses the credit that is personal for the loan applicant, acquired 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 existing payday loans North Carolina pupil? You will need to submit an application for a student-based loan from your own bank each scholastic 12 months. Note! If you’re continuing your studies while having currently drawn down education loan, you need to submit an application for additional towards the loan. To learn more, browse the part “Continuing your studies? Submit an application for extra” with this web page.
1. Don’t forget to get a loan guarantee first from Kela
To try to get a student-based loan, you want Kela’s legitimate education loan guarantee. University pupils get this guarantee decision immediately as well as their student give decision. If you should be in additional education, submit an application for a loan guarantee from KELA utilizing a split type whenever trying to get a report grant and housing health health supplement. We recommend obtaining the mortgage guarantee when it comes to period that is entire of all at once.
As soon as the loan guarantee choice is made, your bank gets this given information straight from Kela.
2. Make an application for education loan online
You can apply for a student loan at an OP cooperative bank branch with the consent from your parents/guardians if you are a minor.
3. Loan is available for drawdown in the banking day that is next
After the application is authorized, the education loan are designed for drawdown more often than not in the next working day currently. When you yourself have chosen automated drawdown according to the pupil educational funding choice, the cash will likely to be available on your own account in the very first feasible repayment date.
Note! If the initial drawdown date falls for a week-end or bank vacation, the mortgage may be used in your bank account in training from the following day banking institutions are available, in other words. In the next banking time.
Brand brand New loans are susceptible to an origination charge, which can be deducted through the drawdown amount that is first. Owner-customers obtain the loan without any origination cost by filing the application online.