Conditions of the applicant for the letter of guarantee

The applicant is a self-funded international student.

The applicant has obtained a formal admission notice from a foreign school.

Applicants are required to provide RMB or certificates of deposit opened in China CITIC Bank as full pledge.

Materials to be provided by the applicant of the letter of guarantee.

Formal written admission notice of foreign schools

Identity card and household registration book

Renminbi or certificates of deposit used for pledge

If you have paid part of the tuition fee, you should provide a bank remittance receipt for the paid part.

If you have applied for a visa, you should provide a copy of your passport.

Guarantee pledge rate

If the pledged deposit certificate currency is the same as that of the letter of guarantee, the cash pledge rate (the ratio of the amount of the letter of guarantee to the denomination of the deposit certificate) is 100, and the cash pledge rate is 95; If the currency of the pledged certificate of deposit is inconsistent with that of the letter of guarantee, the pledge rate is 80; When the deposit certificate is pledged in RMB, the amount pledged in RMB is converted according to the foreign exchange quotation of the day, and the pledge rate is 80%.

Validity, cancellation and compensation of letter of guarantee

If the applicant obtains a visa after the issuance of the letter of guarantee, he shall go through the formalities for the letter of guarantee to take effect at the original application outlet with his passport and a copy of the letter of guarantee within 10 working days from the date of signing.

If the applicant is refused after the issuance of the letter of guarantee, he can cancel the letter of guarantee at the original application outlet with a passport with a record of refusal.

If the applicant applies for issuing a letter of guarantee after obtaining a visa, the letter of guarantee will take effect from the date of issuance.

After the letter of guarantee comes into effect, the applicant can apply for cancellation of the letter of guarantee from a remote application outlet or an overseas notifying bank, and the bank can handle the cancellation formalities only after receiving the written notice of the foreign school agreeing to cancel it. After the letter of guarantee is revoked, the applicant can get back the pledged deposit certificate.

When the applicant can't pay the tuition fee before the guarantee expires, foreign schools can claim compensation from our bank, and our bank will withdraw the applicant's pledge deposit certificate for external compensation.

Opening fee: USD 100- 150.

If you want to apply for cancellation after the letter of guarantee comes into effect, you need to pay a cable fee of $30.

Guarantee extension fee: $20.

Penalty for not notifying the letter of guarantee to take effect after signing: 300 USD.

Claim: $30

During the validity period of the letter of guarantee, the fees that may be charged by overseas banks (such as certificate cancellation fee, claim fee, extension fee, etc.). ) shall be borne by the applicant.

Note: Except the license fee, all the above fees can be charged in RMB.

At present, this service has been opened in the following cities: Beijing, Shanghai, Shenzhen, Dalian, Nanjing, Qingdao, Hangzhou, Guangzhou, Chengdu, Zhengzhou, Chongqing, Fuzhou, Wuhan, Tianjin, Changsha, Jinan, Shenyang, Hefei, Xiamen and Ningbo. Welcome to call the local CITIC Bank for details.

When you apply for a passport and study abroad at your own expense, you need to apply for a deposit certificate. CITIC Bank provides you with safe and efficient services.

Convenient. As long as you have a savings account (current account, fixed account or current account) with CITIC Bank and have purchased treasury bonds from the bank, you can apply for issuing savings deposit certificates.

Come on. It only takes 5 minutes to open a deposit certificate.

Savings certificates of deposit can only be issued according to the actual deposit currency and term of the customer.

The maturity date of the deposit certificate must be within the validity period of the deposit.

Every procedure: 65,438 yuan +00-20 yuan. Please consult your local CITIC Bank for details.

For students who are going to apply for a study visa, if the funds cannot meet the deposit period of more than 6 months required by the embassy, they can apply for a personal study loan from our bank. Our bank will issue a personal study loan certificate to the embassy according to the actual situation of study abroad loan.

Students provide the following materials to our bank to apply for the issuance of the Notice of Studying Abroad Loan for pre-visa application.

A copy of the legal identity certificate (household register, ID card or other valid residence certificate of the borrower, pledge guarantor and the person planning to study abroad) shall be submitted to the original for verification.

Copy of the admission notice of foreign schools and other relevant proof materials for studying abroad, and submit the original for verification.

To apply for the issuance of the pledge loan letter for studying abroad, you must provide the pledge that meets our personal requirements and sign the Collection Certificate of Collateral and Pledge Documents.

If you apply for the issuance of the Notice of Studying Abroad Loan by mortgage, you must provide the original certificate of ownership of the mortgaged property that meets the requirements of our private property mortgage loan.

Fill in the Application Form for Issuing the Notice of Studying Abroad Loan.

Our bank issued the Notice of Personal Loan for Studying Abroad.

Students apply for a pre-visa with the visa application materials such as the Notice of Personal Loan for Studying Abroad.

If the applicant obtains a pre-visa for studying abroad, he can go through the formal loan formalities at the original accepting branch. After the bank issues loans, it will issue a credit certificate for personal study abroad loans. Students apply for an official visa at the embassy with the personal loan certificate for studying abroad.

If the applicant has not obtained the pre-visa for studying in the country, he can go to the original acceptance branch to release the pledge with the visa refusal certificate.

Maximum 300 yuan/serving. (Please consult your local CITIC Bank for details)

The applicant pays the handling fee to our bank when applying for the issuance of the Notice of Studying Abroad Loan. After the applicant obtains the pre-visa, there is no additional charge for opening the "Certificate of Personal Study Abroad Loan". If the applicant fails to obtain the pre-visa, the handling fee will not be refunded.

Second, CITIC Bank's loan for studying in Australia

I made this loan in Anzhenli, Beijing. I don't know where you are from. You can't borrow more money with less. I can't get through. For a loan of 350,000 yuan, you need to deposit about 380,000 yuan or 390,000 yuan. You can call the nearest CITIC first and ask what to bring, and then you can handle it. They all have special people to handle this business.

3. How much guarantee does CITIC Bank need to apply for a loan for studying abroad?

There are two ways for CITIC Bank to apply for a loan for studying abroad:

1. Take the unsecured property in the name of the borrower himself or his family members as the guarantee;

2. With the personal credit of the borrower himself or his family members as the guarantee, you can apply as long as you have a stable occupation and income, a real estate at home and a good personal credit record. The whole loan process does not exceed 65,438+00 days, and our overseas financial experts will accompany and guide you throughout the whole process to ensure the smooth collection and rational use of the funds you apply for studying abroad.