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Welfare loan

As an UiO employee, you may apply for a salary advance under certain conditions. Such welfare loans are interest-free and are repaid via salary deductions.

What can I get a loan for?

  • Home purchase
  • Acute problems due to unforeseen events

Loans are not granted for home maintenance or tax owed.

A maximum of two months' salary can be borrowed for the purchase of property. For other issues, a loan equivalent to one month's salary is usually granted.

How to apply

  1. Fill in an application form (odt) and submit it along with the necessary documentation to the Payroll Office.
  2. You will receive a response.
  3. Sign the loan agreement and submit it to the Payroll Office.

Repayment terms

  • Repayment begins the month after the loan is paid.
  • Normally, 1/12 of gross salary is deducted every month.
  • Loans of up to one month's gross pay are repaid over the course of a year.
  • Loans of up to two months' gross pay are repaid over the course of two years.

Is the loan taxable?


Contact Senior Executive Officer Simon Mumtaz at the Payroll Office.

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