Instead, it is possible to complete and print away a paper form. Mail the job combined with the documents that are supporting Kela, PL 10, 00056 KELA.
You can easily deliver the application and supporting documents conveniently by utilizing our e-service. Obviously documents that are legible by having a phone are accepted
In the event that you submit an application for a loan guarantee for adult pupils do so online. Instead you can easily complete the proper execution titled Aikuiskoulutustukeen liittyvГ¤ opintolainan valtiontakaushakemus (OT 12, PDF, obtainable in Finnish and Swedish just). Mail the application combined with the supporting documents to Kela, PL 10, 00056 KELA.
When you should use
The initial that exist that loan guarantee could be the start of thirty days of application. Loan guarantees for adult students can be obtained right from the start regarding the preceding the application month.
You will receive a loan guarantee decision for each academic year (1 August – 31 July) at a time if you are granted a loan guarantee for your entire course of study. The next year’s choice is delivered to you in July. But, you will not receive a choice if Kela has repaid previous student education loans it offers guaranteed in full for you personally.
Signing up to a bank for the education loan
You can apply for a student loan at any bank of your choice if you get a loan guarantee from Kela. The lender chooses whether or not to provide that loan.
Details about your loan guarantee is supplied to your bank straight from Kela, and that means you do not need to achieve this your self. Day checking the information usually takes one business. You need to therefore buy into the bank from the taking out fully of this education loan well prior to the past date that is possible of out of the loan. The attention payable regarding the loan as well as the payment routine are agreed between both you and your bank.
If you should be under 18, you need to present the financial institution by having an authorisation and written consent from your own parents or your legal guardian to be able to submit an application for a loan. You how to proceed with the authorisation when you apply for a loan the bank will tell.
You must affect the financial institution for an educatonal loan individually for every year that is academic.
Make sure to report any alterations in your position to Kela so your advantage can be paid properly. Beginning task or leaving a training course of research, as an example, will impact the payment of school funding.
Reviewing the mortgage guarantee
In case the circumstances alter, Kela can review the amount of your loan guarantee through the educational year. You will get a choice concerning the review. Kela will forward information detailing the changes in the loan guarantee towards the bank, which checks the mortgage guarantee each time it releases that loan instalment.
If the loan guarantee be increased as a consequence of the review, it is possible to connect with the lender individually for the extra loan. In case it is reduced, the financial institution shall adjust your loan on the basis of the review.