1, property mortgage. The maximum loan amount shall not exceed 60% of the collateral value recognized by the lender;

2. Take an oath. The maximum loan amount shall not exceed 80% of the value of the pledge;

3. Credit guarantee. If a third party provides a joint liability guarantee, if the guarantor is a legal person recognized by the bank, it can be paid in full; If it is a natural person recognized by the bank, the maximum loan amount shall not exceed 200,000 yuan. The borrower needs to go to the branch designated by the bank to get the application approval form, fill it out truthfully according to the requirements of the application form, and hand it over to the bank after signing and stamping.

The borrower is an Australian student and must provide the following materials:

1. People's Republic of China (PRC) * * * passport with entry visa formalities for the country where the school is located;

2. The original and photocopy of the ID card, marriage certificate, household registration book or valid residence certificate issued by the competent authority of the borrower and spouse;

3. The valid admission documents such as the admission notice and the admission notice issued by the school for studying abroad and the relevant necessary expenses certificates, and provide my academic credentials;

4. Provide China citizens with safe civil capacity as the domestic agent of the borrower, and provide their domestic agent's ID card, relevant residence certificate and mailing address;

5. If the property is mortgaged or pledged, the ownership certificate of the mortgaged property or the original pledged property, documents and the appraisal certificate of the person with the right to dispose of the pledged property shall be provided;

6. If the guarantor is a legal person, it shall issue a written document of the guarantor's consent to the guarantee, the business license of the enterprise as a legal person, the audited financial statements of the previous year and the latest period, and relevant credit certification materials; If the guarantor is a natural person, it shall provide the guarantor's identity card, household registration book, income or property certificate and other credit certificates;

7 other information required by the bank, the bank shall reply within seven working days after receiving the borrower's application materials.

After completing the above precautions for studying in Australia, after signing the contract; The loan is directly transferred by the bank to the savings card or current savings account opened by the borrower in the bank. The borrower shall, according to the loan contract, deposit the principal and interest of the loan to be repaid into a savings card or current savings account before the loan expires. After all the loans are paid off, the bank will return all the vouchers to the mortgagor or pledger, and go through the relevant mortgage registration cancellation procedures.