Application conditions for studying abroad loan

The applicant can get the Approval Form for the Application for Studying Abroad Loan of Shanghai Pudong Development Bank (in duplicate) from the branch designated by the lender, fill it out truthfully according to the requirements of the application form, sign and seal it, and submit it to the lender together with the following materials.

1. If the applicant is an overseas student, he shall provide the following materials:

(1) Original and photocopy of the applicant's and spouse's ID card, marriage certificate, household registration book or valid residence certificate issued by the competent authority;

(2) The valid admission documents such as the admission notice and the admission notice issued by the school for studying abroad, and the relevant necessary expenses certificates, and provide my academic credentials;

(3) Provide a China citizen with full capacity for civil conduct as the domestic agent of the borrower, and provide the domestic agent's ID card, relevant residence certificate and mailing address.

(4) If the property is mortgaged or pledged, the ownership certificate of the mortgaged property or the original certificate of the pledged property and the certificate that the authorized person (including the property owner) agrees to mortgage or pledge shall be provided, and the appraisal certificate of the mortgaged (pledged) property issued by the competent department shall be provided when necessary;

(5) If the guarantor is a legal person, it shall issue a written document that the guarantor agrees to guarantee (if the guarantor is a branch of a legal person, it shall also issue a guarantee document authorized by the legal person), a business license of an enterprise as a legal person, audited financial statements and relevant credit certification materials;

If the guarantor is a natural person, he shall provide the guarantor's identity card, household registration book, income or property certificate and other credit certificates;

(6) Other materials required by the lender.

2. If the applicant is an immediate family member or spouse of an overseas student, the following materials shall be provided:

(1) Original and photocopy of the applicant's ID card, marriage certificate, household registration book or valid residence certificate issued by the competent authority; If the above information is insufficient to prove the relationship between the overseas students and the borrower, a certificate of immediate family members issued by the household registration management department shall also be issued;

(2) Provide the academic credentials of those who intend to study abroad;

(3) proof of income or property of the applicant;

6) Other materials required by the lender.

The Lender shall give a reply within seven working days after receiving the above application materials from the applicant. If the loan is not approved, explain the reasons to the applicant and return all the materials provided by the applicant; If you agree to the loan, you will issue a Notice of Loan for Studying Abroad.

Notify the applicant to sign the loan contract and guarantee contract, and ask the borrower to come to our bank to handle the loan formalities with the passport of the country to study abroad within the prescribed time limit.

1. If the borrower is an overseas student, his domestic agent should be present when signing the loan contract and sign the loan contract at the same time.

2. If the loan is guaranteed by a legal person, the legal representative or duly authorized agent of the guarantor must be present and sign the guarantee contract.

3. If the loan is guaranteed by a natural person, the guarantor must be present and sign and seal the guarantee contract.

4. The loan contract and the guarantee contract must be notarized with enforcement effect, and the agency agreement between the borrower and its domestic agent should be signed and notarized at the same time as the above contract.

5. The expenses such as appraisal, insurance, registration and notarization of collateral and pledge shall be borne by the borrower.

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Extended data:

The borrower shall meet the following conditions:

1. The borrower has full capacity for civil conduct, and the actual age of the loan due date is no more than 55 years old;

2. The borrower has no violation of laws and regulations, is healthy, and is honest and trustworthy;

3. 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;

4. 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 in the area controlled by the lender, have a fixed residence, have a stable occupation and income source, and have the ability to repay the principal and interest on schedule;

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

6. The borrower shall provide property mortgage, pledge or third-party guarantee recognized by the lender. Mortgaged property is limited to property with mortgage right; Pledges are limited to securities such as government bonds, bank certificates of deposit and corporate bonds; The guarantor shall be a legal person or natural person with compensatory ability, and be willing to bear joint and several liability for repayment;

7. Other conditions stipulated by the lender.

The loan amount for studying abroad shall not exceed the sum of the equivalent RMB of the registration fee, tuition, living expenses and other necessary expenses specified in the admission notice or other valid admission certificates of foreign study schools, with a maximum of 500,000 yuan. At the same time, the following conditions must be met:

1. If the mortgaged property is used as collateral, the maximum loan amount shall not exceed 60% of the collateral value recognized by the lender;

2. In case of pledge by national debt or bank deposit certificate, the maximum loan amount shall not exceed 80% of the pledged property value; Where corporate bonds are pledged, the loan amount depends on the credit standing of the bond issuer, and the maximum loan amount shall not exceed 60% of the pledged face value;

3. If a third party provides joint liability guarantee, and the guarantor is a legal person recognized by the bank, the loan can be paid in full; If it is a natural person recognized by the bank, the maximum loan amount shall not exceed 200,000 yuan.

The term of the loan for studying abroad shall be determined according to the duration of studying abroad, the income of the borrower and the guarantee ability of the guarantor and collateral, and the longest term shall not exceed six years (including six years).

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