How to provide financial guarantee for studying abroad loans

How to provide financial guarantee for studying abroad loans

Case 1: the deposit amount and term are not enough, which can be s

How to provide financial guarantee for studying abroad loans

How to provide financial guarantee for studying abroad loans

Case 1: the deposit amount and term are not enough, which can be solved by studying abroad loan.

Xiao Chen, who just graduated from undergraduate course, received the admission notice of Master of Accounting from the University of Sydney. A one-and-a-half-year course needs about 350,000 guarantees. Parents are civil servants, and the average annual income of the family for many years is about 6.5438+10,000 yuan. There is a deposit of 400,000 yuan at home, but because I just bought a house, the deposit is not enough to guarantee Xiao Chen. Xiao Chen's grandparents are gone, but she has a very rich aunt in China. She is willing to sponsor Xiao Chen to study in Australia, but she is not her legal guarantor.

Consultant analysis:

First of all, Xiao Chen and his legal guarantor do not have enough deposits due in half a year, and the Australian Immigration Bureau does not allow the applicant to use the donated property as financial guarantee.

But because Xiao Chen's parents have a long-term stable income and can issue income certificates, they are very satisfied with economic security? Have income? This condition. However, because I bought a house, I didn't have enough deposits to meet the guarantee conditions. At this time, Xiao Chen can choose to use the form of studying abroad loan.

For example, Xiao Chen can borrow 390,000 yuan from a domestic aunt, put it in its own name and mortgage it in the bank, and get a loan for studying abroad of about 350,000 yuan (and the loan must be in its own name). The term of the loan contract is 1.5 years, which is the time limit for applying for the course. So, this is enough? Guaranteed money? This condition. At this time, Xiao Chen can apply for a visa immediately.

Typical case 2: deposits are mainly working capital, which is not enough, and can be solved by studying abroad loans.

Liang Xiao, who is about to graduate from the third grade of junior high school, intends to go to Australia to complete her senior high school studies (10,10, 12), and needs a deposit of 600,000 yuan. My parents went into business and registered their own company, with large fixed assets, but because the funds are often used for investment and reproduction, there is not enough deposit for half a year as a guarantee for studying in Liang Xiao.

Consultant analysis:

Liang Xiao's parents can produce proof of income, so they are satisfied? Have income? This condition. But what if the deposit amount is insufficient and there is no half-year maturity?

Parents in Liang Xiao can choose to apply for a loan for studying abroad. That is, immediately raise about 670 thousand (for example, you can recover the balance of customers or borrow money from friends) and mortgage it in the bank to obtain about 600 thousand funds for studying abroad. The term of the loan contract should also cover the years of study (three years). In this way, Liang Xiao can apply for a visa immediately instead of waiting for her parents to deposit money in the bank for half a year.

Typical case 3: insufficient income sources, insufficient deposit amount and deposit period can be solved by studying abroad loans.

Liu Xiao graduated from junior college and worked for one year. Studying in Australia requires a guarantee of 300,000 yuan. Parents are laid off, and the annual income of the whole family totals about 40 thousand. There is almost no deposit at home. An uncle has permanent residence status in Australia and works as a manager in a department store. His annual income after tax is 40 thousand Australian dollars. I am willing to support Liu Qu Jr. to study in Australia.

Consultant analysis:

Xiao Liu's uncle in Australia can be his legal guarantor. The specific operation is: Xiao Liu and his uncle each issue their own income certificates. My uncle remitted the funds to Xiao Liu's account, and Xiao Liu put the loan in a domestic bank in his own name. Is that enough? Have income? And then what? Do you have a guarantee? Two requirements.

For more loans for studying abroad, please click on the relevant links.

1. If the borrower is an overseas student, he should have a permanent residence or other valid residence status at the lender's place before studying abroad.

2. If the borrower is an immediate family member or spouse of a student studying abroad, he should have a permanent residence or other valid residence status within the jurisdiction of the lender, have a fixed residence, have a stable occupation and income source, have the ability to repay the principal and interest of the loan in full and on time, and have a good credit record.

3. The borrower shall hold an admission notice or other valid admission certificate issued by the school where the student intends to study abroad.

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