Can I apply for a loan to study abroad?

You can get a loan for studying abroad, but you need to meet the loan conditions.

Age 1. 18, you can register in person. /kloc-under the age of 0/8, you need to apply for a loan from the relatives or guardians of the educated.

2. Have full capacity for civil conduct and China nationality.

3. There is an admission notice or other valid admission certificate issued by the school studying abroad.

4. Good credit and no illegal acts.

5. Can provide bank-approved real estate mortgage.

1. The loan for studying abroad refers to the foreign exchange consumption loan issued by the bank to international students or their immediate family members or spouses to pay tuition fees, miscellaneous fees and living expenses for studying abroad. The loan amount for studying abroad shall not exceed the sum of the registration fee, tuition, living expenses and other necessary expenses equivalent to RMB within one year specified in the admission notice or other valid admission certificates for studying abroad, with a maximum of 500,000 yuan. Overseas students can choose unsecured mortgage loans and unsecured personal consumption loans. Providing application materials is simple. You only need ID card, proof of income, proof of work and proof of loan use to apply.

There are three ways of loan guarantee, namely mortgage, pledge and guarantee.

1. Where a house or other real estate is mortgaged to apply for a loan, the mortgage rate shall be 60% of the assessed value, but it shall not exceed 80% of the total tuition and fees;

2. The pledge rate of the bank's certificates of deposit or voucher-type treasury bonds pledge loan is 90%, and the pledge rate of the bank's certificates of deposit or other bank-pledged voucher-type treasury bonds or other pledges depends on the value of the pledge, but does not exceed 80% of the total tuition and fees;

3. If a loan is applied in the form of a third-party guarantee, the loan amount shall not exceed 70% of the total tuition and fees. If the bank or insurance company provides joint and several liability guarantee, it can be increased to 80%.

Two. Loan procedure

A borrower applying for a student loan shall submit a written loan application to the lender, fill in the relevant application form, and submit the following documents and supporting materials:

1. The original ID card, household registration book or other valid residence certificate of the individual and spouse, and the valid identity certificate of the educated person. If you are studying in an overseas school, you should show the original passport or pass of the educated person and provide a copy for the record;

2. In principle, there should be a certificate of guardianship between the borrower and the educated person and a birth certificate of the educated person notarized by the national notary department;

3. Proof that the borrower confirmed by the lender has a fixed occupation and stable economic income;

4. The admission notice issued by the school, and the proof materials of the total amount of tuition and fees required by the students during their study period issued by the school;

5. If the property is mortgaged or pledged, a list of mortgaged property and pledged property shall be provided, as well as a letter of commitment or statement signed by the person who has the right to dispose of the property (including the property owner) agreeing to mortgage and pledge. Collateral shall submit the value evaluation report issued by the relevant departments and the insurance documents of the insurance department, and provide proof of the rights of the collateral. If a third party provides a guarantee, it shall issue a written document and relevant credit certification materials of the guarantor's consent to the guarantee;

6. Original and photocopy of personal savings passbook or credit card opened at the lender.