China citizens who have a fixed residence in China, a fixed residence (or valid certificate) in a local town, have full capacity for civil conduct and meet the following conditions can apply for a student loan from China Industrial and Commercial Bank.

Stabilize sources of income

Have a legitimate occupation and a stable source of income, and have the ability to repay the principal and interest of the loan on time;

Complete the document

The admission notice (or student ID card, student status certificate) and other documents of the school where the student attends; A certificate issued by the school that students need tuition and fees, living expenses and other related learning expenses during their study;

guarantee

Providing bank-recognized property mortgage or effective right pledge or third-party guarantee with compensatory ability or bank-recognized credit loan conditions;

No bad credit history

Law-abiding, no illegal acts and bad credit records;

Open a personal settlement account

Open a personal settlement account with the loan bank, and agree that the bank will deduct the loan principal and interest from the personal settlement account designated by it;

Other conditions

Other conditions stipulated by the bank.

Educational institution loan

In addition, most educational institutions for studying abroad also have relevant study abroad loans.