How do New Zealand students borrow money to buy a house? Can New Zealand students submit visa applications online?

How do New Zealand students apply for loans? Step 1: The applicant (or his parents) definitely applies for a loan from CITIC Industrial Bank. CITIC Industrial Bank therefore arranged a special application form. Applicants can also obtain this report from the offices of CITIC Industrial Bank or Immigration New Zealand in China (Beijing, Shanghai and Hongkong).

CITIC Industrial Bank gives priority to providing assistance to its depositors, but it can also provide services to those who transfer money to the bank. Or according to the method of CITIC Industrial Bank, if the applicant gives enough loan guarantee, the bank can still lend.

Step 2: CITIC Industrial Bank examines the loan. CITIC Industrial Bank stipulates that the applicant's deposit in the bank should be frozen, and at the same time, the deposit amount should be at least 10% more than the loan amount. This kind of savings also counts as loan interest. Or, as mentioned above, if the applicant has sufficient loan guarantee according to the bank's mortgage policy, CITIC Industrial Bank can still borrow.

Step 3: If the application is approved, CITIC Industrial Bank will sign the Letter of Loan for Studying Abroad to the applicant or his parents. It must be noted that if the applicant already has a deposit in CITIC Industrial Bank when applying for a loan, he can review and sign the Notice of Studying Abroad Loan when submitting the application.

Step 4: Next, the applicant can submit his visa application to the New Zealand Immigration Bureau together with this Notice of Studying Abroad Loan.

Step 5: The New Zealand Immigration Bureau will examine the visa application on a case-by-case basis (probably check the "Notice of Studying Abroad Loan"). If all documents meet the requirements, it will inform the applicant of the criteria that the visa application has been approved.

Step 6: Allow the applicant to fill in a special application form with visa application standards at the counter of the Credit Bank to run the loan. CITIC Industrial Bank will review and sign the "Credit Certificate of my loan bank for studying abroad" to confirm that the loan has run away. Note: If the applicant withdraws his visa application or the visa application is rejected, the New Zealand Immigration Bureau will inform the applicant. Applicants can use this notice to tell financial institutions that they will no longer need loans.

Step 7: The applicant will submit the materials listed in the "Credit Certificate of my loan bank for studying abroad" and other standard permission letters to the New Zealand Immigration Bureau for the final formalities. Note: If there is no emergency, the original loan document will be filed by Immigration New Zealand.

Step 8: If the applicant and the borrower have completed their studies in New Zealand before the end of the semester, they can consult the New Zealand Immigration Bureau to issue a letter of proof that they have completed their studies. After the New Zealand Immigration Bureau examines and signs this letter, the applicant can use this letter to ask CITIC Industrial Bank to unfreeze his assets.

Frequently asked questions on visa application for studying in New Zealand: 1, study destination. New Zealand student visas are divided into five categories:

(1) Self-funded international students are the largest number of students studying in New Zealand.

(2) Fully-awarded international students are generally international students sponsored by New Zealand government departments or China government;

(3) Half-prize international students are exempt from training fees through universities in New Zealand and take care of their living expenses;

(4) exchange students;

(5) There are fewer students in vocational skills training.

2. Whether the raw materials are sufficient.

According to New Zealand's new immigration policy, the asset certificate provided by the applicant can definitely cover her tuition and living expenses in New Zealand. In New Zealand, there is a minimum standard of living. A student needs about NZ $7,000 for study and training within 36 weeks, and NZ $65,438+0,000 per year for 36 weeks and above. In addition, if the applicant's financial situation really cannot be explained by the established materials, the visa officer expects to give relevant proof of family property. For example, there is one or several private houses, or you have several cars.

3. Rationalization of study abroad strategy.

How to determine whether the applicant is a real student? The visa officer will make a decision based on the following factors: age, work experience, education level, previous appraisal and study summary, future study plan in New Zealand and GPA of relevant universities. The visa officer thinks that it is best for the applicant to choose the study plan and study path suitable for his own specific situation.