If you are in Finland and are in need to financial support, you might not know where to turn. Fortunately, there are actually a lot of programs and services in the country which aim to help people in financial difficulty, whether you are a student or a family on a low income. Here we will take a look at some of the services you can access if you find yourself in need of financial help.
Kela is a great organization for all aspects of financial aid. They can offer support to students, those with disabilities, the unemployed and families. Kela offers financial security to students who might not be able to cope otherwise. They will take into account your income and your parent’s income, and determine the level of financial aid you can receive. You might then be eligible for a study grant, or a government assured student loan.
If you suddenly find yourself unemployed, or your studies have finished and you don’t have a job lined up, Kela can also help with this. You might be able to access social assistance and housing assistance, to ensure you don’t fall behind on important payments and get into debt. You should register yourself as unemployed as quickly as possible to ensure you can get what you are entitled to straight away.
Kela is also available to help those who fall ill and are unable to continue working as they had before. They can also help those with disabilities which prevent them from having a job and earning enough money to live on. Again, you should report your situation as soon as it happens so you can quickly find out what financial aid you will be able to receive. You can also use Kela to help reimburse costs such as private doctor fees, dental treatment and travel costs associated with attending a hospital for treatment.
In Finland, if you receive a bill which you are unable to pay, you should contact the sender straight away. In most cases, you will be able to negotiate a new payment date. If you still don’t pay by the new date, you will receive two reminders, after which point it will be passed on to a debt collection agency. This is a situation you’ll probably want to avoid, so you should apply for financial help if you feel you are going to struggle to pay your necessary expenses.
If you need to borrow money in Finland, there are loads of great online lenders which can help you out. You can borrow anything from around €50 to €60,000, meaning there is a loan to suit everyone. You can also choose the length of time you need to borrow the money for, and then compare interest rates and loan terms to find the perfect deal for you. This is a very common way of borrowing money in Finland and there are a lot of reputable companies so you can be sure your money is safe.