Personal loan for studying abroad issued by China Bank:

1. Personal loan for studying abroad for the purpose of paying tuition and fees, transportation expenses and living expenses:

Before the loan is issued, the following credit preconditions shall be reviewed:

(1) personally sign loan contract, mortgage (pledge) contract, guarantee contract and loan receipt with the borrower and guarantor (if any).

(2) Where a mortgage is used as a guarantee to apply for a loan, the loan shall be issued after the mortgage registration and other rights certificates or other relevant rights certificates are obtained; Where a loan is applied by pledge, the loan shall be issued after the formalities of pledge delivery are completed.

(3) Other loan preconditions stipulated by China Bank or approved by credit.

The loan issuance plan can be issued by academic year/one-time, and the actual number and amount of loans are subject to the number and amount of loans issued after the borrower applies and the lender agrees.

The loan is repaid by itself, and the money can be transferred to the account opened by the borrower in our bank. The account manager should actively guide customers to purchase foreign exchange in our bank and supervise the use of loans. The lender shall check whether the loan payment meets the agreed purpose through account analysis, voucher inspection or on-site investigation.

2. Personal study loan with study abroad deposit as loan purpose. After the lender issues the loan to the account of the borrower or the educated person, it is required to freeze the account, and the freezing period shall cover the loan period. After the freezing is completed, the lender can issue a personal loan certificate for studying abroad according to the needs of customers.

Due to the differences in business in different regions, please consult our handling outlets or call our customer service hotline 95566 for details.

The above contents are for your reference. Please refer to the actual business regulations.

What is China Bank's personal loan for studying abroad?

Introduction of personal study abroad loan of China Bank;

1. Personal loans for studying abroad are RMB loans for studying in middle schools (including Hong Kong, Macao and Taiwan) and various overseas colleges and universities recognized by the Ministry of Education of China, as well as tuition and miscellaneous fees, transportation fees, living expenses and other expenses for studying in various overseas colleges and universities recognized by the Ministry of Education of China.

2. The deposit for studying abroad refers to the funds required by the embassy of the destination country (or relevant institutions in the destination area) to deposit in the bank and open a deposit certificate or loan certificate for the overseas students when they apply for a study visa.

The above contents are for your reference. Please refer to the actual business regulations.

What are the requirements for China Bank's personal loan for studying abroad?

Conditions for handling individual study abroad loans of China Bank:

The educated, the immediate family members of the educated or the legal guardian of the educated. If the educated person is under the age of 18, his immediate family or legal guardian shall be the borrower and meet the following conditions:

1. The purpose of the loan is to pay tuition and fees, transportation expenses and living expenses. The educated should hold the admission notice and other admission documents issued by overseas higher education institutions (including comprehensive universities, higher professional colleges, higher vocational and technical colleges, language schools, etc.). ) Approved by the Ministry of Education of China. For the educated who are already studying, valid proof materials (including student ID card, valid study visa, etc.) should be provided. ).

Loans are personal loans for studying abroad, and the schools attended by the educated can be overseas (including Hong Kong, Macao and Taiwan) secondary schools and overseas higher education institutions recognized by the Ministry of Education of China.

2. The borrower must have People's Republic of China (PRC) nationality and hold legal identity documents (resident ID card or temporary resident ID card, household registration book, military ID card, armed police ID card, etc.). ) and has a permanent residence in China.

3. The borrower is over 18 years old and has full capacity for civil conduct.

4. The borrower has a stable source of income and the ability to repay the loan principal and interest on schedule; If the borrower is an educated person and has no stable source of income, his relatives with stable source of income shall be regarded as co-borrower, and valid proof of kinship with the educated person shall be provided.

5. The borrower (including co-borrower, if any) and the guarantor (if any) have good credit standing, and have no bad credit records in China banks and peers.

6. Other conditions stipulated by laws, regulations, regulatory provisions and lenders.

Remarks: According to the list published by the Foreign-related Supervision Information Network (crs.jsj.edu.cn) of the Ministry of Education, the list of more than 43 countries 1000 schools has been published.

The above contents are for your reference. Please refer to the actual business regulations.

What materials does China Bank need to provide for personal study abroad loan?

To apply for a personal student loan, the borrower shall submit a written application to the lender, fill in the relevant forms, and submit the following documents, certificates and materials:

1. Application Form for Personal Study Abroad Loan of China Bank. The borrower and his/her spouse, co-borrower and his/her spouse, guarantor (if any) and his/her spouse must sign a written authorization to allow the bank to inquire about their personal credit information.

2. Legal identity documents, household registration certificates and marital status certificates of the borrower and the educated.

3. Proof of the relationship between the borrower and the educated.

4. Proof of economic income recognized by the lender.

5. Admission documents such as admission notice and payment notice issued by overseas higher education institutions recognized by the Ministry of Education of China (if any); Students who are studying should also provide valid proof materials (including student ID card, tuition payment voucher for the previous year, valid study visa, etc.). ); For loans used for study abroad deposit, it is necessary to submit a statement on the requirements for study abroad deposit or relevant certification materials provided by the embassy of the destination country (or relevant institutions in the destination area), study abroad institutions and study abroad intermediaries recognized by the Ministry of Education.

6. If the property is mortgaged (pledged), the valid rights certificate of the mortgaged property and the undertaking or statement signed by the person who has the right to dispose of the property (including the property co-owner) agreeing to mortgage (pledge) shall be provided. For collateral, the borrower must submit a value assessment report approved by the lender; For collateral, the borrower must provide a certificate of rights; If the third party guarantees, it shall issue a written document and relevant certification materials that the guarantor agrees to undertake irrevocable joint and several liability guarantee; For those who are insured with guarantee insurance, the borrower must provide relevant insurance policies.

7. Other supporting documents or materials required by laws, regulations and regulatory provisions.

The above contents are for your reference. Please refer to the actual business regulations.

How long is the term of BOC's personal study abroad loan?

Term of individual study abroad loan of China Bank:

1. The purpose of the loan is to pay tuition and fees, transportation expenses and living expenses for individuals studying abroad. The longest loan shall not exceed 10 years (inclusive), and the sum of the borrower's age and loan term shall not exceed 70 years (inclusive). The loan period can exceed the borrower's school years, and the specific period is determined according to the borrower's school years and guarantee methods.

2. The loan period for individual students studying abroad with study abroad deposit as the loan purpose is determined in principle according to the deposit period required by the embassy (or relevant institutions in the destination area of study abroad), study abroad schools or study abroad intermediaries, and the longest period shall not exceed the borrower's study period.

The above contents are for your reference. Please refer to the actual business regulations.