In case of mortgage, the longest loan period shall not exceed 8 years (inclusive); The loan shall be handled by pledge, and the longest loan period shall not exceed 6 years (inclusive); With credit, the longest loan period is no more than 2 years.
A borrower applying for an education loan shall meet the following conditions:
1. A natural person with China nationality and full capacity for civil conduct. Can provide resident identity card, local permanent residence booklet and/or other valid proof of residence. If the educated and the borrower are immediate family members, guardians or spouses, they shall provide corresponding proof of relationship.
2 have a legitimate occupation, a stable and reliable source of income, a good reputation, and the ability to repay the principal and interest of the loan on schedule.
3. Being able to provide assets recognized by the bank as collateral or pledge, or a third person (natural person or legal person) with sufficient compensation capacity as a guarantor to repay the principal and interest of the loan and bear joint and several liabilities;
4. Be able to provide relevant use certificates of personal study abroad loans.
(1) The type of funds used to pay the tuition and living expenses of the visa applicants for studying abroad, and the Admission Notice or the Admission Notice of the school attending and the proof materials of tuition and fees and living expenses required during the study period shall be provided;
(2) For the types of funds used to apply for studying abroad and applying for visas, prepare materials (such as application for admission, personal data of overseas students applying for visas to go abroad, etc.). ) if you are applying for a school through an overseas agent or by yourself, you should provide.
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