Conditions and precautions of studying abroad loan in Singapore

1. Conditions and precautions of studying abroad loan in Singapore

I. Conditions of Graduate Loan in Singapore

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. Meet other conditions stipulated by the lender.

Second, the loan matters needing attention

1. Matters related to the application for studying abroad loan in Singapore-conditions required by the borrower

(1) Natural persons with full capacity for civil conduct and overseas students studying for a master's degree or above can borrow foreign exchange;

(2) Students studying abroad with a bachelor's degree or above can borrow RMB.

2. Issues related to the application for studying abroad loan in Singapore-what are the provisions on the loan amount and duration?

The amount of the loan for studying abroad shall not exceed the registration fee stated in the letter of admission of the school studying abroad or other valid admission certificates, and the sum of the equivalent RMB of tuition, living expenses and other necessary expenses within one year shall not exceed 500,000 RMB, and the term is generally 1 ~ 6 years, and the longest shall not exceed 6 years.

3. Issues related to the application for studying abroad loans in Singapore-What kinds of guarantees are there for studying abroad loans?

There are three main types: (1) real estate mortgage: the loan amount does not exceed 60% of the value of collateral recognized by the lender;

(2) Pledge: The loan amount shall not exceed 80% of the value of the pledged property.

(3) Credit guarantee: If a third party provides joint and several liability guarantee, and the guarantor is a legal person recognized by the bank, it can pay in full; If it is a natural person recognized by the bank, the loan amount shall not exceed 200,000 yuan.

4. Problems related to the application for studying abroad loan in Singapore-how to repay it?

If the term of the study abroad loan in Singapore is less than one year (including one year), the principal and interest of the loan will be paid off in one lump sum when the loan expires, and if the loan term is more than one year (excluding one year), the principal and interest of the loan will be repaid in equal monthly installments.

2. Which school is better for studying in Singapore?

1, National University of Singapore

The National University of Singapore (NUS) is a top university in Singapore, a member of AACSB and EQUIS certification, and a member of Asian University Alliance, Asia-Pacific International Education Association, International Research University Alliance, Universitas 2 1 University Alliance and Pacific Rim University Association. Its research in the fields of engineering, life science and biomedicine, social science and natural science enjoys a world reputation.

To apply for a master's degree at the National University of Singapore, you must be a graduate of 21/KLOC-0 and/or 985 universities in China, with an average score of over 80 and an IELTS score of 6.5. You must hold a diploma and a bachelor's degree in related fields. Or take the Singapore A-level exam and apply on the basis of the test results.

To apply for a master's degree at the National University of Singapore, you must be a graduate of 21/KLOC-0 and/or 985 universities in China, with an average score of over 80 and an IELTS score of 6.5. You must hold a diploma and a bachelor's degree in related fields.

2. Nanyang Technological University, Singapore

Nanyang Technological University (NTU) is a world-class research university. Nantah is a member of the Pacific Rim University Alliance, a founding member of the Global Academic Alliance of University Artificial Intelligence, an AACSB certified member, a member of the Association of Professional Colleges of International Affairs (APSIA), and a founding member of the International Alliance of Universities of Science and Technology. As a research-intensive university, Singapore enjoys a world-renowned research in nano-materials, biomaterials, functional ceramics, polymer materials and other fields. It is a comprehensive university that pays equal attention to engineering and business.

3. Singapore University of Science and Technology Design

Singapore University of Science and Technology Design is the fourth public university in Singapore after National University of Singapore, Nanyang Technological University and Singapore Management University. The first president of Singapore University of Science and Technology Design (NSUST) was Professor Thomas L. Magnain, Dean of Institute of Technology, Massachusetts Institute of Technology.

At the beginning of the school year, we cooperated deeply with MIT. The faculty and staff of the school will be interviewed and recruited by MIT, and all faculty and staff will receive 1 year training at MIT before teaching.

4. Singapore PSB College

PSB College of Singapore is a private higher education institution in Singapore with a history of more than 50 years. As a Singapore university with excellent reputation and educational scale, PSB College is committed to pursuing academic rigor and close contact with the industry, ensuring that high-quality education is provided with unique teaching concepts and methods, and that its students are excellent and have comprehensive competitiveness in the market. PSB College has more than 600 full-time and appointment teachers. Through cooperation with top universities in Australia and Britain, it provides students with more than 80 courses, covering different fields such as certificates, specialties, undergraduate courses and master's degrees.

5. james cook University Singapore Campus.

James Cook University Singapore Campus is directly under James Cook University in Australia, ranking the top 2% in the world. James cook University established a branch in Singapore in 2003, which is an important milestone in the internationalization of the university. The Singapore campus provides students with a whole set of university-level courses, covering business, information technology, psychology and education. The courses offered and degree certificates issued by the Singapore campus are exactly the same as those of the main campus in Australia.

The Singapore Campus of James Cook University in Australia offers banking and finance, tourism and hotel management, international business, management, marketing, sports and exhibition management, accounting, financial management, business intelligence and information systems, interactive visualization, games, big data and data mining, 2D/3D graphics and network technology, mobile technology, programming, business and environmental science, aquaculture, psychology and so on.

6. Singapore Kaibo College of Higher Education

Kaibo higher education, with edu trust certification, has also been certified by the Education Office of the China Embassy in Singapore, which provides a solid guarantee for international students in terms of quality education and development prospects.

Kaibo Higher Education is located in the financial and business center of Singapore, providing students with high-quality higher education courses such as bachelor's degree, master's degree and doctor's degree. Two modern and intelligent urban campuses, comfortable teaching environment and trustworthy educational brands have attracted countless students from all over the world. The courses offered by the college cover accounting and finance, business administration, communication and media, engineering, hotel and tourism management, humanities and social sciences, information technology, law, nursing and medical treatment.

7. Singapore Institute of East Asian Management

Singapore Institute of East Asian Management is a famous private college in Singapore, which was founded in 1984. It is one of the first six institutions to officially grant Edu trust certification. The school currently has more than 3,000 students from 20 countries and regions around the world. It is one of the large-scale and high-quality private colleges in Singapore.

East Asia Institute of Management has two independent campuses. East Asia Institute of Management offers undergraduate, master and doctoral courses in business, logistics, hotel and tourism management, computer and other fields, with more than 20 majors. Among them, hotel and tourism management enjoys a high reputation in Singapore.

3. List of articles on studying in Singapore

1, certificate category

Before going to study in Singapore, be sure to check whether you have all your documents, such as a valid personal passport, a letter of admission from the school, an approval letter from the Singapore Immigration Bureau, and a study visa issued by the Singapore Embassy in China. These are all necessary materials for entry. After preparing the materials, finally, put these important documents in your carry-on backpack, which is convenient for the entry support customs staff to check.

2. Cash

When studying in Singapore for the first time, students can prepare some extra cash so that they can take transportation, eat and so on after arriving at their destination. Students can exchange RMB and Australian dollars into Singapore dollars at home, or exchange RMB, Hong Kong dollars and US dollars into new dollars when they arrive in Singapore. Basically, every major international airport and shopping center has a place to exchange coins. Although Singapore Customs has no strict regulations on the amount of cash carried by immigrants, it is not recommended to reserve too much. After all, it is inconvenient and unsafe, as long as you have 2-3 months' living expenses on your back.

3. medicine

To study abroad, you need to prepare some emergency medicines, such as common cold medicine, antipyretic medicine, anti-inflammatory medicine, antidiarrheal medicine, cooling oil and toilet water to prevent mosquito bites. At the same time, you can also prepare some vitamins, Jianwei Xiaoshi tablets and so on. In case you feel unwell after arriving in Singapore. If students are not physically strong, they can prepare more vitamins and nutrients, but it should be noted that Singapore Customs is also very strict in drug inspection, so we must pay attention to the ingredients of drugs. Some drugs containing dangerous ingredients such as ephedrine may be inspected or even confiscated by customs staff, and don't bring too many drugs, otherwise immigration staff may doubt their purpose of studying abroad.

4. Clothing category

The climatic conditions in Singapore are completely different from those in our country. It can be said that it is summer all year round, and the lowest temperature is above 20 degrees. Therefore, you can prepare more summer clothes. The temperature will drop in rainy season, and it won't be too cold. If students are afraid of the cold, they can also prepare thinner long-sleeved trousers, and they can also prepare one or two suits for formal occasions.

5. It is forbidden to bring articles when studying in Singapore.

According to the regulations of Singapore Immigration Bureau, fresh dehydrated or canned meat and bean products are not allowed to be brought into Singapore, whether studying abroad or in other capacities, for fear that these foods contain microorganisms and bacteria, which will affect the life and health of domestic residents. In addition, it is not allowed to bring fresh plants, even plant seed soil, vegetables and fruits, to avoid mixing hemp and bring cannabis to Singapore for planting; In addition, live insects or insect specimens and other insects harmful to plants are also prohibited.