How much is the "certificate of deposit" for overseas study visas 1?
Nowadays, most countries require international students to provide deposit certificates issued by banks when applying for study visas.
China students must also have proof of deposit when applying for a visa before studying abroad.
The so-called deposit certificate refers to the certificate issued by the bank for the depositor to prove the deposit balance at a certain point in time or the deposit amount in a certain period, and to prove that the depositor has an unusable deposit balance in the bank before a certain point in the future.
Why did you keep it?
International students must apply for a student visa before studying in various countries. When applying for a visa, they must also have proof of visa funds.
At the same time, the proof of studying abroad funds that can improve the visa pass rate is also very important material.
It mainly includes three ways: certificate of deposit, loan for studying abroad and special account for remittance for studying abroad, but different countries have different requirements for identification methods.
In order to avoid the visa being affected by the insufficient deposit period, parents and students should know the requirements of the state for the guarantee fund for studying abroad in time after deciding to study abroad.
How much do you save?
1, UK study visa
In principle, the deposit amount cannot be less than the sum of the tuition fees of the school you are studying in the UK in the coming year and the living expenses in the area where the school is located.
Simply put, it is the tuition and living expenses for the next year (the living expenses here refer to 9 months, that is, the living expenses during school).
To be on the safe side, you can add about 5000 Jin on this basis.
The reference standard of tuition fees is subject to the notice, and the living expenses can refer to the living expenses standards of various regions issued by the British Immigration Bureau.
2. American study visa
The deposit requirements for studying in the United States are divided into the following three aspects.
1), the freezing date of studying in the United States:
1. When applying for a school: the freezing date of the deposit certificate depends on the requirements of different schools, and the freezing date is mostly before the start of school and after the visa.
2. When applying for a visa: the freezing date of the deposit certificate is after the visa and before the start of school.
2) Duration of study abroad deposit certificate in the United States:
There is no strict time limit. It is recommended that the storage period be more than 6 months. Parents' names, children's names and immediate family members' names are acceptable, but if they are immediate family members' names, it is necessary to prove the relationship between the applicant and the guarantor.
3) Proof amount of deposit for studying in the United States:
1, high school (800-1.2000 RMB), international students who have studied in American high schools for at least 2 years, the minimum is 250000 RMB per year.
2, undergraduate (500- 1 ten thousand RMB), three kinds of American undergraduate universities, community (within 1 ten thousand RMB per year); University of Arts and Sciences (250,000-300,000 RMB per year); Comprehensive university (65,438 yuan +0.5-0.3 million yuan).
3. Postgraduates (350,000-500,000 RMB), one semester 1-2 years, different majors charge different fees, the lowest is 1.5 million RMB, and most schools pay 200,000 RMB.
3. Canadian study visa
Generally speaking, this part of the money can't be used because there is proof of funds. Therefore, students who have the necessary certificates of deposit can be frozen in two installments (of course, if the money at home is abundant and spare money is not used for other investments, one installment is enough):
The first deposit was made when I was preparing to apply for a school.
At this time, as long as the funds are enough to pay your tuition and living expenses for one year at school.
If you apply for more than one school at the same time, you only need the highest deposit amount from the school, and then send it to each school together with the information as required.
The cost of studying in Canada is lower than that in Britain and the United States, and generally less than RMB 200,000 a year is enough.
In the actual application, you can first check the tuition fees of relevant universities and confirm the specific deposit amount.
The second one was saved before going to the visa.
At this time, you already know how much your school charges, and then multiply it by your years of study, which is the number you want to save.
Only one copy of the certificate is required.
If you have fewer years, you can save less.
The freezing period is stipulated by each bank. Usually three months. If you think it is not safe, you can do it for half a year.
The deposit certificate presented to the Canadian visa officer has little to do with the length of the freezing period. The safest way is to freeze it until you get a visa.
When your visa is completed, you can take the original deposit certificate, ID card and time deposit passbook (card) to the bank to unfreeze, and the funds can be used immediately.
The freezing period of the deposit certificate required by the school depends on the time when you submit the application materials and the expected time when you receive the admission notice.
In general, it is recommended to keep it for half a year and freeze it for half a year.
This certificate has been sent to the school, so the money will not be used until the end of the thawing period written when the certificate is issued.
4. Australian study visa
When applying for a visa, the amount of deposit certificate for studying in Australia should cover the tuition and living expenses during studying in Australia.
The tuition fee for studying in Australia for one year is around 200,000, and the specific amount should be calculated with reference to the tuition fee and living expenses of our school.
How long will the certificate of deposit be frozen?
The freezing period is stipulated by each bank. Usually three months. If you think it is not safe, you can do it for half a year.
The deposit certificate shown to the visa officer has little to do with the length of the freezing period. The safest way is to freeze it until you get a visa.
When your visa is completed, you can take the original deposit certificate, ID card and time deposit passbook (card) to the bank to unfreeze it.
These funds can be used immediately.
How to save it?
When handling the deposit certificate, students are required to show the following information:
Proof of deposit (certificate of deposit, discount), personal identification documents (resident ID card, temporary id card, residence booklet, passport, military card, military officer's card, civilian cadre's card, police officer's card, honorary certificate of retired military or armed police cadres, military school student's card, Hong Kong and Macao residents' travel permit to and from the mainland, mainland travel permit for taiwan residents and foreign border residents' entry and exit permit and other personal deposit real-name certificates stipulated by the People's Bank of China, etc. If you entrust others to do it for you, you should also show your personal identification.
Fill in relevant information: For example, the Power of Attorney for Personal Deposit Certificate of Industrial and Commercial Bank of China (the part filled in by the client) is in duplicate, and all relevant columns must be completed.
Where can I store it?
China students' deposits are mostly deposited in major domestic banks, such as China Bank, China Industrial and Commercial Bank, China Agricultural Bank, China Construction Bank and China Merchants Bank.
What documents do you need?
It is suggested that the deposit is in the applicant's own name, and only one proof of funds is needed, which is the simplest;
The deposit certificate issued must have a deposit period of more than 28 days in the corresponding account;
The freezing period of the deposit certificate shall cover the whole visa review period.
The visa review period is generally around 1 to 4 weeks, and the visa peak period is from June to September every year, and the review period may be longer, but according to past experience, it usually takes about 6 weeks to complete the review at the peak period;
If the parents have a student visa or 18 years old, you need to provide a letter of support signed by your parents, proof of your parents' income, and proof of the relationship between the household registration books and the students (if the household registration books in your are not together, you need to provide multiple household registration books; If there is no household registration book, it is necessary to issue a birth certificate or a certificate from a relative of the public security organ, or a notarial certificate from a notary office; /kloc-Students under the age of 0/8 also need parents' consent to let their children study abroad alone.
What additional materials are there?
Household registration book: if the funds are in the name of the applicant's parents/legal guardians or the applicant is under 18 years old;
Birth certificate: if the funds are in the name of the applicant's parents/legal guardians or the applicant is under the age of 18, and both parties are not in the same household registration book; If the funds are in a joint account, the applicant is one of the account holders, or under the name of the applicant's parents (one or both)/legal guardian, the applicant must submit the household registration book/birth certificate and the letter signed by the parents agreeing to provide financial assistance for your study, and confirm the relationship with you;
Parental consent: if the funds are in the name of the applicant's parents/legal guardians;
Letter from parents agreeing to the applicant's independent life: If the applicant is under 18 years old;
Proof of parents' income: if the funds are in the name of the applicant's parents/legal guardians.
How to answer the telephone survey?
After receiving the visa materials and starting to examine them, the British Visa Office will conduct a telephone survey on the applicants and related personnel for unclear issues in the materials.
Generally, you can directly dial the contact information in the visa materials to inquire and check the information.
The questions are all related to the visa materials, so just answer them truthfully. Generally speaking, telephone surveys are conducted in Chinese.
In the telephone survey, the applicant may also be required to supplement the relevant information to the visa office within the specified time. Be sure to listen carefully to the phone. Failure to submit the materials in time or submitting the wrong materials will lead to refusal.
In the telephone survey, it is found that the information is inconsistent with the information provided by the materials, which will also lead to the refusal of visas. The refusal rate of re-submitting visas after being identified as false materials is still high.
Proof of assets of studying in the UK II.
So how much, how and how long do you need to deposit the deposit certificate for studying in the UK, and what certificates do you need to issue? Today, we will introduce these issues to the students in detail, and finally attach a website of the information about the British student visa (Tier4) for students' reference.
1, how much deposit?
The main function of the deposit certificate for studying in the UK is actually to prove to the visa examiner that you have enough property to pay for your tuition and living expenses during your study in the UK.
Therefore, the calculation of the required deposit amount only needs to consider these two aspects.
tuition
Whether you are studying in the UK as a preparatory, undergraduate or graduate student, as long as you are a freshman, the part of the tuition deposit that needs to be prepared only covers the first year's tuition (less than one year's academic system is full tuition).
If you plan to renew your T4 visa, the amount of tuition deposit you need to prepare depends on the start time of the renewal phase:
1) If the new visa starts from the school year, you need to prepare the tuition fee for the rest of the school year;
2) If the new visa starts from the new school year, you need to prepare the annual tuition fee for the new school year.
So how to determine the amount of tuition? When the visa center examines the materials, the reference basis is the tuition fees listed in CAS (Confirmation of Acceptance of Study) provided by the school; However, since CAS documents must be issued within two months before the start of school, as long as students who are not language classes have not received them, the tuition amount needs to be inquired on the school curriculum page (usually updated every year) or contacted with the Admissions Office for confirmation.
In addition, many schools will require students to confirm attendance. Students will pay a certain amount of deposit in advance. As long as the payment is successful, this amount will be deducted from the unpaid tuition fee, so it will not be included in the visa deposit.
living expenses
According to the regulations of the Ministry of the Interior, the amount of living expenses for British students is calculated on a monthly basis, and the specific amount depends on the venue:
1) If the main teaching place of the course (more than 50% of the class hours) is in London, the living expenses will be calculated at 1265 per month;
2) If the main teaching place of the course (more than 50% of the class hours) is anywhere outside London, the living expenses will be calculated at 10 15 per month.
If the total duration of your course does not exceed 9 months, it will be calculated according to the actual number of months (if it is less than a whole month, it will be calculated according to the whole month, for example, 5 months, and 15 days will be calculated according to 6 months); If the course lasts more than 9 months, you only need to provide a 9-month living allowance deposit.
For a simple example, if you come to the UK to study undergraduate, the tuition fee for the first year is 16000, and the deposit you have paid to the school is 2000. The school is located in London, so the total deposit you need to prepare must exceed16000-2000+1265× 9 = 25.
It should be noted that if your deposit is RMB, because the exchange rate changes at any time, it is recommended not to deposit just the right amount at the exchange rate at the time of deposit; Appropriately preparing more deposits can make visa applications more secure!
2. how to save it?
Account owner
In principle, the account holder of the issuer of the certificate of deposit can be the student himself or his parents or legal guardians.
However, according to the personal experience of the friends around, if the parents/guardians agree, try to deposit the deposit in their own name, because apart from the deposit certificate, there is no need to provide additional documents to prove the relationship between the two parties and agree to use the property.
If the account holder of the deposit certificate is a parent or legal guardian, two supplementary documents are required in addition to the deposit certificate:
1) documents proving kinship;
2) Prove that parents or legal guardians agree that students can use the property in the deposit certificate.
The requirements for proof of kinship are very strict. In addition to the property certificate, you also need the personal ID card of the account holder (ID card or account page can be used) and translation, the student's own birth certificate (including parents' names) and translation.
The document agreeing to use the property needs to contain relevant account information, account holder information, clear and unified property use statement and holder's signature (all contents except signature must be in English or Chinese and English).
Evidence of property type of money
The types of attributes that can be used include:
1) Cash deposits in banks, including demand deposits and time deposits;
2) loan certificate, the lender can be any organization of the state or local government, a student loan company recognized by the government, and an academic education loan plan;
3) Financial assistance provided by legal institutions or the government, such as scholarships and grants.
The attribute types that cannot be used include:
Stocks, bonds (including treasury bonds), overdraft limit, credit card available limit, and various types of real estate.
Number of accounts: $ NUMBER accounts
If all the deposits are in a bank account and only one property certificate from the account is provided, the amount on the settlement date is the amount approved by the visa officer; If multiple property certificates are provided from the same account, the visa officer will use the latest certificate with payment date.
If proof of deposit in multiple accounts is provided, the visa officer will use the total amount of deposit in these accounts as audit evidence.
exchange rate
As long as the deposit is not in pounds, the applicant must fill in the final application form in pounds; For all currencies other than the pound, whether RMB or other currencies, visa examiners will use OANDA as the source of exchange rate calculation: the date of exchange rate extraction is based on the delivery date.
3. How long will it last?
For all bank certificates of deposit, there are two time standards, one in front and the other in the back, which cannot be violated:
1) Before opening the L/C, there must be enough money in the account for more than 28 consecutive days, that is to say, whether it is a time deposit or a current deposit, the total amount of deposits on any day within 28 days cannot be less than the required amount mentioned above.
2) The time between the issuance date and the delivery date of the certificate of deposit shall not exceed 365,438+0 days.
On the basis of the above two basic principles, Home Office has a more detailed regulation, and some students who ignore it are refused visas: the date of submitting the application (the domestic application is based on submitting the online application form, and the date of sending the materials in the UK) must be after the date of issuance of the bank certificate, even if it is the same day.
For example, if the bank deposit certificate is issued on June 30th, then the date of submitting the visa application must be any day between July 1 and July 3 1.
For the small partners who apply in China, because there are some days between submitting the online application form and submitting the materials to the visa center, students who are lucky enough to issue certificates of deposit during this time are refused to sign.
4. Supporting documents
Necessary documents
Proof of available property, which can be:
Bank deposit certificate, specific amount and deposit time requirements are shown in the above figure; It can be a running account (each page needs to be stamped with the official seal of the bank), a time deposit certificate or a formal bank deposit certificate, but it should be noted that from 2065438+August 2005, the word "frozen" cannot appear on all deposit certificates.
The loan certificate needs to include the student's personal information, the name and logo of the loan provider, the total amount of the loan, the available time of the loan, and the date of issuance of the certificate.
Scholarship certificates, such as scholarships and grants, need to include students' personal information, the information and contact information of the sponsor, the available time of the amount, the purpose of funding, and the date of issuing the certificate. (Note: If the scholarship is provided directly by the school, this information can be indicated in the CAS document, and no additional supporting documents are required).
Proof of payment, including:
The tuition fees paid (including the deposit) will generally be indicated in the CAS documents provided by the school. If not specified, you can use the payment receipt as proof;
Living expenses paid, such as prepaid dormitory rent, need to provide receipts as proof.
Documents that may be needed
Certificate of parents/legal guardians, including:
Identity documents of parents or legal guardians, which can be identity cards or household registration books;
Birth certificate, adoption certificate or guardian's court judgment document, which needs to contain the student's personal information and the information of (adopted) parents or guardians;
Proof of consent to use funds.
Chinese-English translation
For all supporting documents, if the original document itself is in English or in both Chinese and English, there is no need to provide additional translated documents, only the official seal of the issuer is required.
If the original document is a non-English document, it shall be accompanied by a corresponding English translation, which shall be signed by a third party with translation qualification, and provide materials that can prove translation qualification (such as translation qualification certificate code, etc.). ).
It should be noted that even if students are qualified for translation, they can't prove it themselves, and translation and confirmation must be carried out by a third party.
Detailed explanation of the capital certificates of the three major banks studying abroad 3
I. Bank of China
Distribution method: go to any online outlet with my valid ID card and certificate of deposit (discount).
When the trustee entrusts others to handle the deposit certificate, he must show his valid identity documents and those of the depositor.
Fees: A handling fee of RMB 20 yuan will be charged for each certificate of deposit.
Validity period: Generally speaking, the validity period of certificates of deposit is flexible (not necessarily three months).
After the customer sets a time limit and issues a certificate of deposit, the bank will freeze the deposit for the same period as the validity of the certificate of deposit.
Deposit type: fixed term only.
Other matters needing attention: When the customer requests to cancel the restriction of not withdrawing money within three months, the original deposit certificate should be returned first, and then the Bank of China can cancel the restriction of not withdrawing money within three months after opening the L/C for you.
Two. Industrial and Commercial Bank of China
Issuance method: report the loss with my ID card and the unfrozen deposit certificate of ICBC (including fixed deposit certificate (passbook), current deposit passbook and voucher-type national debt).
If you entrust others to do it for you, you should also show your agent's identity certificate.
Charging standard: issue personal deposit certificates, and charge 20 yuan for each certificate; Personal deposits are terminated in advance to collect 20 yuan.
Validity period: ICBC's certification period is also flexible: the shortest day, the longest year, customer-defined.
After issuing the deposit certificate, the bank will freeze the deposit for the same period as the validity of the deposit certificate.
Type of deposit: flexible: current deposit, term lump-sum deposit and withdrawal, deposit with interest, lump-sum deposit and withdrawal, and national treasury account can be handled.
Other precautions: when the deposit certificate expires, the personal deposit will be automatically released.
If you want to cancel the contract in advance, you must return the original deposit certificate and power of attorney, show the original deposit certificate and personal identity certificate, and fill out the Power of Attorney for Early Termination for personal deposits.
Third, China Merchants Bank.
Issuance method: you must bring your card or passbook, deposit certificate and your identity certificate (the agent must also issue the agent's identity certificate) to any branch of China Merchants Bank in the same city where the account is opened, and fill out the Application Form for Issuing Deposit Certificate by China Merchants Bank.
Charge standard: 20 yuan/copy.
Validity period: flexible time period selection: outlets can issue deposit certificates for depositors at any time and in different time periods as needed.
Types of deposits: certificates of deposit include all kinds of deposits: except frozen deposits, depositors can apply for certificates of deposit in various types and currencies of our bank.