First, the loan for studying abroad has nothing to do with obtaining a visa.

The loan itself will not affect the visa result, because the loan can prove that the applicant has certain assets and certain conditions for going abroad, and the visa officer focuses on the repayment ability of the guarantor. Therefore, the authenticity, rationality and feasibility of repayment ability and plan certification materials are the key to determine the success or failure of loan visa application.

Second, the conditions required for studying abroad loans

The borrower is required to provide the school's admission notice or admission notice, the proof materials of tuition and miscellaneous living expenses required by the school during the study period, and the third-party borrower recognized by the lender with compensatory ability and joint liability. The borrower already has a certain proportion of the expenses required by the educated.

Third, the amount and duration of the loan.

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

Four, several ways to ensure the loan for studying abroad

(1), real estate mortgage: the loan amount shall 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.

Verb (abbreviation of verb) loan amount and term

The amount of the loan for studying abroad shall not exceed the registration fee stated in the admission notice 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 longest period shall not exceed 6 years (including 6 years).

2. Free benefits provided by Korean universities for international students.

First, free lockers.

Students need to bring textbooks to class. Generally, reference books are not very light. You may also need to bring your own computer. There are more than one course every day, and it is quite stressful to run back and forth with heavy textbooks on your back every day.

Fortunately, the school will provide lockers for students. There are a lot of lockers, but you need to apply. After all, it is not waiting for confession. If the application is late, there may be no locker, and the application will be open one week before the start of school.

Second, free computer room.

Although students have their own computers, if they need them urgently, they can choose to go to the school computer room, where they can use them for free, and it is also very suitable for group projects and thesis writing. After all, the environment will also affect the result.

After entering the computer room, you must keep quiet and obey the rules. If you need to talk, you can go to the lobby, where you can also provide printing services to help you print things.

3. Free meeting room

There will be a scale division, some can accommodate a large number of people, and some can only accommodate four or five people. You can choose according to your own needs. Although the conference room can be used free of charge, you must make an appointment in advance in order to use it smoothly.

And the conference room doesn't take up space. If you don't finish your task in one day's use, you can only apply again if you need to renew it, and you must take all your information with you when you leave, without providing storage services.

Fourth, the free activity room.

There will be an activity room for students' imagination and entertainment, a comfortable lounge, separate for men and women, rows of sofas, tables and simple drinks, which can be taken at will.

Entertainment-related This is mainly a movie screening room, which is generally smaller. The reflection of the movie can be chosen by itself, and it is fixed most of the time; There will also be a gym, providing relatively complete equipment, and professional coaches will be arranged to guide students.

3. Safety precautions for studying in South Korea

1, safe accommodation

Pay attention to the surrounding environment and fire safety conditions when choosing a house. Usually a particularly cheap house may have security risks, so try to rent a house through a housing agency.

Before going out or going to bed, you should confirm the lock of the gas cut-off device and lock the door lock of the entrance door.

You should get into the habit of carrying your keys with you, and lock the door when you go out or leave temporarily.

If you lose your key, please contact the owner to change the lock.

2. Property security and financial crimes

Take good care of your property and money, and don't tell others about your property easily.

Deposit large sums of money such as tuition and living expenses in the bank, and only carry the minimum amount of cash.

Important documents should be stored separately. If they are lost, they should be reissued as soon as possible.

If you receive a phone call asking about the passbook number, card number, password, etc. , usually telephone fraud. The Embassy of China once issued a notice, in the name of the Embassy and the public security organs, informing the victims by telephone that there was a case involved and it was necessary to transfer the cash to the bank account. 100% of the behavior is fraud.

Taking high salary as bait, purchasing, withdrawing money for money, taking packages, buying vouchers, etc. It's usually telecom fraud. Work related to a lot of money must be cautious again!

When using online banking, don't tell others your ID card, password and other information. When entering the password, confirm whether there are suspicious people in the surrounding environment and whether the network environment is safe. Try not to use the public network to enter any password.

3. Others

Don't lend money to others easily.

Asking for a high salary to collect money may also be an illegal act such as money laundering. Be careful not to be suspected of a criminal offence.

Because the laws of different countries are different, it is necessary to abide by Korean laws in Korea, make inquiries in advance, and pay special attention to the inconsistencies between China and South Korea (many drugs in Korea are managed differently from those in China, such as painkillers, which are prescription drugs and cannot be brought into China, which will seriously bear legal responsibilities).

4. Types of foreign exchange commonly used for studying in Korea

1. UnionPay exchange rate

However, the exchange rate of actual credit card consumption is different from the international exchange rate and bank exchange rate. UnionPay, in particular, has an exclusive exchange rate, and the exchange rate is based on this exclusive exchange rate for spending by credit card in Korea or withdrawing money from ATM in Korea.

The bacteria should remind that although the general UnionPay card does not require a handling fee for credit card consumption, it basically requires a handling fee for cash withdrawal in different places. The specific handling fee can refer to the charging standards of different banks. Korean mushrooms used Huaxia debit card before. Some students said that there was no handling fee for withdrawing cash every day 1, but when I applied for the card, the bank staff told me that there was no handling fee for the first three transactions every day. Ask when you apply for a card.

2. Department store exchange rate

Why do you separate the exchange rates of department stores and duty-free shops here? That's because Korean bacteria suffered a loss because of this problem, so I especially remind everyone. At the beginning, the bacteria used UnionPay cards in department stores and duty-free shops by default, and the exchange rate was UnionPay exchange rate. But this is not the case. Are based on the department store's own exchange rate.

Someone is going to Korea to buy a diamond ring. Because there was no favorite style in the duty-free area, they went to the department store to buy it. I looked at the exchange rate of UnionPay in advance and asked the clerk that the exchange rate is different from that of UnionPay. In fact, if it is something of little value, it is not much difference. However, for a diamond ring with a relatively large value, the difference in exchange rate can make you spend hundreds or even thousands of dollars more!

Finally, I took the cash and paid again, but I had another problem. That is to say, a UnionPay card can only withdraw 1 10,000 won (about 6,000 RMB) a day at most, but 1 10,000 won is not enough, so I borrowed money from my friends in the same industry and finally bought this diamond ring. Although it took a big detour, it was still worth it, because it also saved a lot of money ~

3. Cash exchange rate

Let's talk about the cash exchange rate. Many people will still bring cash or change some money in domestic banks to come back. Let's start with domestic banks. The cash exchange rate of domestic banks is definitely cheaper than the money you exchanged in Korea. In fact, it is necessary to exchange some cash in domestic banks in advance, because airport transportation fees still have to be paid in cash.

Of course, changing money in Korea is also very particular. Don't go to the bank foolishly, because China Bank and Korean Bank are the same. A tourist destination like Myeongdong is full of money changers, and each one is a little different. In fact, this fungus still suggests that you bring more RMB cash, because usually the cash exchange rate will be higher than the UnionPay exchange rate!

In fact, before traveling to South Korea, in addition to figuring out the exchange rate issue, we should also prepare some simple Korean emergencies, not many, just enough ~