{"id":594,"date":"2026-08-24T11:31:58","date_gmt":"2026-08-24T11:31:58","guid":{"rendered":"https:\/\/www.lainafy.com\/sanasto\/opintolaina\/"},"modified":"2026-08-24T11:31:58","modified_gmt":"2026-08-24T11:31:58","slug":"opintolaina","status":"publish","type":"sanasto","link":"https:\/\/www.lainafy.com\/en\/sanasto\/opintolaina\/","title":{"rendered":"Opintolaina"},"content":{"rendered":"<p>Opintolaina on Suomessa <strong>valtion takaama laina<\/strong>, joka on tarkoitettu opiskeluajan elinkustannusten rahoittamiseen. Sen ehdot ovat huomattavasti edullisemmat kuin tavallisen kulutusluoton, koska valtion takaus v\u00e4hent\u00e4\u00e4 lainanantajan riski\u00e4.<\/p>\n<h2>Kenelle opintolaina my\u00f6nnet\u00e4\u00e4n?<\/h2>\n<ul>\n<li>Korkeakoulu\u00adopiskelijalle (yliopisto, ammattikorkeakoulu)<\/li>\n<li>Toisen asteen opiskelijalle (lukio, ammatillinen oppilaitos)<\/li>\n<li>Opiskelijalle, joka on saanut Kelalta <strong>valtion opintolaina\u00adtakauksen<\/strong><\/li>\n<li>Yleens\u00e4 alle 22-vuotiaille lukiolaisille, alle 20-vuotiaille ammattikoululaisille<\/li>\n<\/ul>\n<h2>Opintolainan ehdot 2026<\/h2>\n<ul>\n<li><strong>Enimm\u00e4issumma per kuukausi:<\/strong> 650 \u20ac korkeakoulu\u00adopiskelijalle, 300 \u20ac 17 \u2013 19-vuotiaalle toisen asteen opiskelijalle<\/li>\n<li><strong>Korko:<\/strong> tyypillisesti 1 \u2013 3 % opiskeluaikana (yksi Suomen halvimmista lainoista)<\/li>\n<li><strong>Nostot:<\/strong> yleens\u00e4 1 \u2013 2 kertaa lukuvuodessa<\/li>\n<li><strong>Valtion takaus:<\/strong> takaa lainan pankille, jos et pysty maksamaan<\/li>\n<\/ul>\n<h2>Opintolainan hakuprosessi<\/h2>\n<ol>\n<li><strong>Hae opintolaina\u00adtakausta Kelalta<\/strong> (asiointi verkossa OmaKelan kautta)<\/li>\n<li>Kun takausp\u00e4\u00e4t\u00f6s on saatu, ota yhteys pankkiin<\/li>\n<li>Pankki tekee lainap\u00e4\u00e4t\u00f6ksen (yleens\u00e4 my\u00f6nteinen jos takaus on)<\/li>\n<li>Pankki maksaa lainan tilillesi er\u00e4p\u00e4ivin\u00e4<\/li>\n<\/ol>\n<h2>Opintolainakomponentti ja opintolainahyvitys<\/h2>\n<p>Suomessa on kaksi valtion tukemaa opintolaina\u00adj\u00e4rjestely\u00e4:<\/p>\n<ul>\n<li><strong>Opintolainahyvitys:<\/strong> Kela maksaa osan opintolainasta jos valmistut ajallaan ja lainaa on nostettu tarpeeksi<\/li>\n<li><strong>Opintolaina\u00adv\u00e4hennys:<\/strong> aiempi j\u00e4rjestelm\u00e4 (ennen 2014), verotuksessa v\u00e4hennett\u00e4viss\u00e4<\/li>\n<\/ul>\n<p>K\u00e4yt\u00e4nn\u00f6ss\u00e4 opintolaina\u00adhyvitys voi olla <strong>tuhansia euroja<\/strong>, joka maksetaan velan lyhent\u00e4miseen.<\/p>\n<h2>Opintolainan takaisinmaksu<\/h2>\n<p>Opintolainan takaisinmaksu alkaa yleens\u00e4 <strong>2 vuoden kuluttua valmistumisesta<\/strong>. Maksuaika sovitaan pankin kanssa \u2013 tyypillisesti 10 \u2013 20 vuotta. Korko voi nousta valmistumisen j\u00e4lkeen, mutta yleens\u00e4 kilpailukykyisen\u00e4 (~2 \u2013 4 %).<\/p>\n<h2>Vinkkej\u00e4 opiskelijalle<\/h2>\n<ul>\n<li><strong>Hy\u00f6dynn\u00e4<\/strong> opintolaina \u2013 se on Suomen halvinta lainaa<\/li>\n<li><strong>Nosta koko oikeus<\/strong> jos suunnittelet opintolaina\u00adhyvityksen hy\u00f6dynt\u00e4mist\u00e4<\/li>\n<li><strong>Sijoita mahdollinen ylij\u00e4\u00e4m\u00e4<\/strong> \u2013 jopa 3 % lainasta on kilpailukykyinen tuotto sijoituksille<\/li>\n<li><strong>Valmistu ajallaan<\/strong> \u2013 opintolainahyvitys voi olla huomattava<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Opintolaina on valtion takaama laina korkeakoulu- tai ammattikoulutukseen. Halvempi ja joustavampi kuin tavallinen kulutusluotto.<\/p>\n","protected":false},"menu_order":0,"template":"","sanasto_ryhma":[35],"class_list":["post-594","sanasto","type-sanasto","status-publish","hentry","sanasto_ryhma-lainatyypit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Opintolaina - Lainafy<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lainafy.com\/sanasto\/opintolaina\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Opintolaina - Lainafy\" \/>\n<meta property=\"og:description\" content=\"Opintolaina on valtion takaama laina korkeakoulu- tai ammattikoulutukseen. 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