A borrower applying for a loan for studying in Japan must meet the following main conditions:

1, a citizen of China with full capacity for civil conduct.

2. Frequent procrastination or valid residence status, with a fixed detailed address.

3. There is a school's "Admission Notice" or "Admission Notice"; There are certification materials issued by the school.

4. Provide collateral or a third-party guarantor with compensatory ability and joint liability.

5. The borrower already has a certain proportion of the expenses required by the educated.

Pieces.

2. What conditions do Japanese students need to meet to apply for a loan?

You mean borrowing money at home and studying abroad? Or a loan in Japan?

If it is a domestic loan, you can go to the major banks to find out, and it is generally mortgaged.

Study abroad loan

The borrower must meet the following seven conditions:

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.

If you borrow money in Japan, your status as an international student will be forgotten and will not be approved.

3. How many years does it take to go to Japan for graduate study without Japanese?

Studying in Japan is two years, so a language school is unnecessary.

1. The postgraduate education system in Japan is two years. First, they attend preparatory courses, learn languages, and then learn professional knowledge. After the preparatory course, it is consistent with the domestic postgraduate curriculum arrangement. The academic system of Japanese doctoral students is three years. If the doctor postpones, it will be three and a half years.

2. Language schools are not necessary. Most students choose to study in language schools as a transitional way. However, some Japanese universities don't need to pass the Japanese exam, and their rankings are often lower.

In addition to attending a language school, you can also directly apply for a professor's graduate student. As long as teachers are willing to accept and have scientific research ability, they can enter the school. But you need to know something about the teacher, such as through the teacher's lectures.

4. What are the requirements for applying for a loan for studying in Japan?

As the third largest economy in the world, Japan's daily consumption level is still quite high. For students who want to study in Japan, many students want to apply for a loan for studying in Japan. So, what conditions do you need to apply for a loan to study in Japan? The following is the relevant information I shared for reference only!

What are the requirements for applying for a loan for studying in Japan?

1. The loan applicant must meet the following conditions

1, a natural person who has reached the age of 18, has full capacity for civil conduct, and the actual age of the loan due date is not more than 55 years old;

2. Have a local permanent residence or valid residence status and a fixed detailed address;

3. Provide a formal admission notice or admission notice issued by the school to study abroad, or other valid admission certificates; Proof materials of tuition and miscellaneous fees required during the study period; The entry visa passport of the country where the overseas students are located has been completed;

4, no bad credit and illegal behavior, good health, honesty and trustworthiness;

5. The immediate family members, legal guardians or spouses of overseas students who borrow money must have a fixed residence, a proper occupation, a stable and reliable income, a good credit and the ability to repay the principal and interest of the loan on schedule.

Second, the amount and duration of the loan for studying abroad

Loan limit for studying abroad: in principle, it shall not exceed 80% of the total tuition and living expenses required by overseas students during their stay at school; The sum of the registration fee, tuition, living expenses and other necessary expenses stated in the admission notice or other valid admission certificates of foreign study schools within one year shall not exceed RMB 500,000.

Duration of study abroad loan: determined according to the duration of study abroad, the income of the borrower and the guarantee ability of the guarantor and collateral. Generally, it is 1 to 6 years, and the longest time for Shanghai Pudong Development Bank and China Bank is no more than 6 years.

Three. Procedures for handling overseas study loans

1. The bank lender will give a reply within 7 working days after receiving the application materials of the borrower. If the loan is not approved, the lender will explain the reasons to the borrower and return all the materials provided by the borrower; If the loan is agreed, the lender will inform the borrower of the amount, term, interest rate and repayment plan of the agreed loan, sign a loan contract and a guarantee contract with the borrower and the guarantor, and go through the relevant loan procedures.

2. If the borrower is a student studying abroad, his domestic agent should be present when signing the loan contract and sign the loan contract at the same time.

3. If the loan is guaranteed by a legal person, the legal representative or duly authorized agent of the guarantor must be present and sign the guarantee contract.

4. If the loan is guaranteed by a natural person, the guarantor must be present and sign and seal the guarantee contract.

5. The loan contract and the guarantee contract must be notarized with enforcement effect, and the agency agreement between the borrower and its domestic agent should be signed and notarized at the same time as the above contract.

6. Expenses such as appraisal, insurance, registration and notarization of collateral and pledge shall be borne by the borrower.

Four, the types of mortgage loans for studying abroad

At present, the loan guarantee mortgage recognized by banks is limited to three types: real estate mortgage, pledge and credit guarantee, and the amount of these three mortgage loans is also stipulated.

Real estate mortgage: the loan amount shall not exceed 60% of the collateral value recognized by the lender;

Pledge: if the national debt or bank deposit certificate is used as collateral, the loan amount shall not exceed 80% of the value of the pledged property; Where corporate bonds are pledged, the loan amount shall be determined according to the credit status of the bond issuer, and the amount shall not exceed 60% of the face value of the pledge;

Credit guarantee: if a third party provides joint and several liability guarantee, if 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.

Introduction of famous Japanese universities studying abroad

1, University of Tokyo

The University of Tokyo was founded in 1877, located in Tokyo, Japan. 1986, when the presidents and administrators of several Asian universities were selected among the world's 10 famous universities, the University of Tokyo was selected as an Asian university. The school has trained a large number of outstanding talents for the world.

2. Kyoto University

Kyoto University was founded in 1897, located in Kyoto, Japan. This school is the second national comprehensive university in Japan that attaches importance to academic freedom. It has trained a batch of outstanding talents and is the "cradle of scientists" in Japan.

3. Osaka University

Osaka University was founded in 193 1, located in Osaka, Japan. Osaka University pays attention to cultivating students' professional quality and has trained a large number of outstanding students who have contributed to Japan's economic construction and scientific and technological development. In addition, the large number of alumni active in the upper business circles is also a major feature of the school.

4. Northeastern University

Tohoku University was founded in 1907, located in Sendai City, Miyagi Prefecture, Japan. The school ranks first in the world in metal materials science. Physics, chemistry, electrical and electronic engineering ranked in the top 50 in the world.

5. Nagoya University

Nagoya University was founded in 187 1, located in Aichi Prefecture, Nagoya, Japan. As a key university in Japan, the school is full of talents and constantly develops various scientific and technological and high-end medical projects that are conducive to building a sustainable society in the 2/kloc-0 century. This is a large area.

6. tokyo institute of technology

Tokyo institute of technology is one of the first-class universities of science and technology in the world, focusing on engineering technology and natural science research. The university, referred to as "Dong Gong Da" or "TokyoTech" in English, was formally established in 1929.

7. Kyushu University

Kyushu University was founded in 19 1 1, located in Fukuoka Prefecture, Japan. It occupies an important academic position in Japan and even the world, especially in its science and engineering department.

8. University of Tsukuba

Born in 1872, is a national comprehensive university in Japan and one of the universities in Japan. There are 9 academic groups and 54 majors, and 3 professors have won the Nobel Prize.

9. Hokkaido University

Hokkaido University was founded in 1876, located in Sapporo, Hokkaido, Japan. It is regarded as one of the two universities that laid the ideological foundation of Japanese educational nationalism and democracy (the other is the University of Tokyo). This university has the largest number of colleges and graduate schools in Japan.

Waseda university 10

Waseda University was founded in June1882+1October 2 1, located in Tokyo, Japan. The school has trained many political, economic and cultural figures for Japan and is the cradle of Japanese social elites.

Ways to apply for studying in Japan

1, studying in Japanese Language School → Japanese University

Japanese language schools are mainly for students who have no Japanese level and a little Japanese foundation to study in Japan. In addition to teaching Japanese, language schools will also help students choose universities and majors, and even arrange training interviews (including Japanese writing and interview counseling) before the entrance examination. In this way, you can enter an excellent Japanese university instead of getting diplomas from those third-and fourth-rate universities in China. Don't worry about not getting into college. There are many universities in Japan. You can study in China, let alone Japan. It is relatively easy to find a job if you want to study in Japan, go to a language school, and then enter a public university. Besides public universities in China, some private universities are also very good, but the tuition fees are expensive.

2. Attend Japanese specialized schools → Japanese universities (sophomores and juniors)

If you don't want to waste time and want to go to Japan to learn Japanese directly, but don't want to learn Japanese at home, then you can go to a special school to learn Japanese. This major only needs Japanese Band 4 (JLPT-4) to go to Japan. If you want to go to college during this period, you can insert the second or third year of a Japanese university (you need to convert the previous credits to decide which grade to enter). Majors are generally the same major, mainly Japanese and specialized courses. If you merge into different majors, the chances of passing are very small. This is also a small suggestion for some students who want to save time.

3. Go directly to a Japanese university

Japanese universities require Japanese Level 2 (N2) to apply. Presumably, all the friends who have studied Japanese know that you have passed the Level 2 exam, and you can't keep up with the courses of Japanese universities. On the one hand, I have to learn Japanese, on the other hand, I have to work to earn money, and on the other hand, I have to take college courses. You will be in a hurry. The suggestion is to get the first grade (N 1) before applying. Or go directly to a language school to exercise for six months to one year, so that the funds will be available and Japanese will meet the requirements.

4, read the Japanese university preparatory course → Japanese university

As a matter of fact, Japanese preparatory classes will also arrange and prepare counseling courses for "Japanese study abroad experiment" just like language schools. In Japan, however, there are fewer institutions offering preparatory classes, usually only private universities. However, some preparatory classes have certain limitations, such as restricting students' choice of further studies and stipulating that students can only enter the university where preparatory classes are located in the future. Moreover, in addition to Japanese classes, preparatory classes also arrange other basic courses, which are full-time classes, and students have little time to work. There is no better guarantee in life. The preparatory classes start in April and June 10 every year, and the language school system is more flexible, starting in June 1, April, July and June 10 every year. There is little difference in tuition fees between language schools and preparatory schools, but in terms of visa success rate, language schools have higher visa success rate than preparatory schools.