I want to study abroad, can I apply for an unsecured loan? What should I do? Can you explain it to me in detail? thank you

The two prerequisites for applying for a loan for studying abroad are: first, it is necessary to prove that the applicant has a long-term stable income to support all the expenses needed for studying abroad; Second, the applicant and his legal guarantor have six-month deposits, including the applicant's parents, grandparents and grandparents.

The former is the cause and the latter is the result. When issuing visas, the destination immigration authorities will carefully analyze whether the reasons are consistent with the results, and both are indispensable. Lottery winning or stock profit is also allowed as a guarantee, but notarized documents are required.

Deposits and loans can be mixed

The lending rate of study abroad loans is generally 90%, that is, the applicant can lend 90,000 yuan in the bank with 6,543,800 yuan as collateral, so this 90,000 yuan can be used as a guarantee immediately. CITIC Industrial Bank said that students can use both bank deposits and study abroad loans when they show their letters of guarantee. If you want to take a two-year course, the insurance amount is 400 thousand, but the students only have a half-year deposit of 200 thousand. At this time, they can apply for a loan of 200,000 yuan, and the loan contract can be made 1 year.

It is understood that the Australian Immigration Bureau recognizes China Bank, China Industrial and Commercial Bank, China Construction Bank, Agricultural Bank, CITIC Industrial Bank and Shanghai Pudong Development Bank, while New Zealand only recognizes CITIC Industrial Bank.

Don't be opportunistic in lending.

There are many financing companies that handle the business of "less loans and more gains" for students, such as using 50 thousand yuan to help students borrow 500 thousand yuan, but they have to pay a handling fee to the intermediary.

It is understood that this kind of study abroad loan is difficult to be accepted by foreign immigration authorities and belongs to "fake materials". The nature of the loan does not explain the applicant's guarantee ability. Applicants should make good use of study abroad loans when laws and regulations permit, rather than opportunistic.

You can go to the bank to handle all this, that is, apply for an unsecured loan for studying abroad, or find an intermediary to handle it ... that is, find an intermediary for studying abroad ...