You mean studying in China? Or a loan in Japan?

If it is a domestic loan, you can go to the major banks for details.

Study abroad loan

The borrower must meet the following conditions

1. The actual age at which the borrower should have full capacity for civil conduct shall not exceed 55.

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 an overseas student, he should have the lender's domicile or other valid residence status, 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 entry 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 jointly and severally liable for repayment;

7. Other conditions.

If the loan is made in Japan, the identity of the international student will be forgotten and will not be approved.

2. What are the conditions for Japanese students to apply for loans?

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.

I am a Japanese major, and now I am a junior. I want to go to Japan for graduate study. What is the maximum living expenses and tuition?

Hello, classmate, I hope my answer will help you ~

& gt& gt Tuition fee

Tuition is the main part of the cost of studying abroad. In fact, Japanese institutions can be divided into private institutions, state-owned institutions and public institutions, and the tuition fees of state-owned institutions and public institutions are very different from those of private institutions.

The cost of general institutions is about 50,000-70,000 RMB.

Tokyo University of the Arts has an annual tuition fee of 642,900 yen, or about 42,350 yuan. In addition, it also needs to include tuition, insurance, etc. Together, it is equivalent to about 50 thousand a year.

Tuition at Tokyo University of the Arts

The tuition fee of Japanese private art colleges is about 170w- 180w yen per year, which is equivalent to about 1 10000 yuan per year.

Musashino University of Fine Arts and Tama University of Fine Arts are both private universities, and private universities are the most expensive.

Musashino University of Fine Arts Modeling Department

Brother Cheng, Graduate School of Modeling, Musashino University of Fine Arts

Tuition at Tama University of Fine Arts

& gt& gt Living expenses

In addition to tuition fees, accommodation, catering and transportation are also important components of expenses.

Tama University of Fine Arts has conducted surveys and statistics. We can see that in Tama University of Fine Arts, students spend an average of 44,700 yen per month, about 3,000 yuan, including transportation, production materials, catering and so on.

A survey of Tama University of Fine Arts.

For students who need to pay rent, the average monthly living expenses are 1 14000 yen, or about 8000 yuan.

transportation cost

Japan's public transport system is very developed, so the choice of travel is also very rich.

If students have just arrived in Japan and have the student welfare of handling the monthly bus ticket, they can take it unlimited times at the designated place.

Of course, if you love sports, you can also buy a bike and save some transportation expenses.

Food and beverage expenses

The food and beverage expenses in Japan are actually not cheap. If the living expenses are not sufficient, try to cook by yourself, which is cheap and healthy ~

Japanese ingredients are a little expensive, but supermarkets usually have various discounts on weekends, so you can hoard some ingredients.

If you can't cook and don't want to spend too much money, in fact, many supermarkets will sell cooked food at a 50% discount after 8 pm, which is also a good choice.

accommodation expense

There are six main types of accommodation for international students: on-campus dormitory, off-campus rental, student exchange hall, enterprise staff dormitory, professional international student dormitory and family boarding.

Accommodation fees in different schools are different, which is about 5,000-20,000 yen per month.

If students are studying in Japanese national or public universities, they will have the opportunity to apply for dormitories. Because living in a dormitory is relatively cost-effective, you should apply as early as possible.

If you don't apply for a dormitory or attend a private university, students are advised to consider sharing a room with friends, but pay attention to minimizing the number of room changes, because the cost of room changes in Japan is very high.

If you rent a house off campus, you need to pay attention to the following points:

1. Gift money: It is a Japanese custom, and the amount is generally 1-2 months rent, which is non-refundable.

2. Fire insurance: In order to prevent earthquakes, most houses in Japan are made of wood, so once a fire breaks out, the consequences are unimaginable, so you must buy fire insurance, and the price is generally around 20,000-30,000 yen.

3. Door lock replacement: In order to ensure the safety of new tenants and avoid it, the landlord will replace the door lock. This fee needs to be paid by the tenant, but it is not mandatory.

Compared with other regions, the overall consumption level in Tokyo is relatively high, and the accommodation and living expenses are usually around 654.38+058 million yen per month, or about 654.38+000,000 yuan.

Outside Tokyo, the consumption level of Chiba is slightly lower than that of Tokyo, but there is not much difference. Renting a house is generally 30,000-50,000 yen per month, which is about 2,000-3,200 yuan.

The consumption levels in Osaka and Kyoto are relatively close to the people, and the monthly living expenses are about 30,000-50,000 yen, which is equivalent to about 2,000-3,200 yuan per month.

& gt& gt tips for saving money

For any international student, the general rule of saving money is: good academic performance!

If students study in national or public universities, have good grades, good Japanese and respect their tutors, they basically have the opportunity to apply for a 50% tuition fee reduction.

If you attend a private school and the school standards are not uniform, you can apply for a 30% tuition fee reduction. The specific situation shall be subject to the actual regulations of the school.

The probability of tuition remission for Japanese students is very high, 50% in public universities and 90% in state universities. Some outstanding students in private universities can apply for tuition exemption.

There are also many kinds of scholarships in Japan, with as many as 245 scholarships provided by the government, consortia and the private sector (not including the university itself). In addition, the Japanese government also provides student loans for international students.

Of course, in addition to these, if students have enough time, they can earn living expenses and improve their Japanese.

However, it should be noted that studying and working in Japan can't exceed 28 hours per week and 120 hours per month.

Generally speaking, the overall cost of studying in Japan for one year is about RMB 65,438 +0.5-0.2 million. If you can reduce tuition fees or scholarships, plus daily life, you don't even have to spend money.

So studying in Japan is really a good choice for working families!

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

If you study in Japan, China Merchants Bank currently has a loan for studying abroad. Some cities of China Merchants Bank provide loans for studying abroad to natural persons to pay tuition and living expenses incurred by visa applicants or immediate family members during their study abroad. If you meet the application conditions, you can try to contact the outlets to apply.

Requirements: 1. Having legal and valid identification; 2. Age plus loan period shall not exceed 70 years old; 3. Have the ability to repay the loan principal and interest on time; 4. Have obtained the notice of studying abroad or other admission documents; 5. Abide by the law, be honest and trustworthy, have no illegal acts, and have not involved any criminal cases or civil cases against them at present; 6. Other conditions stipulated by this institution.

The amount needs to be determined according to the proof materials such as the notice of studying abroad. In principle, a single credit shall be at least 1 000 yuan and at most 1 000 million yuan. The specific amount needs to be confirmed by contacting the local outlets.

Generally, it is handled by mortgage, and the longest loan period is no more than 8 years (inclusive); With credit, the longest loan period does not exceed 3 years. It is recommended that you confirm with your local outlets whether you can apply.