A loan for studying abroad is a loan issued by a bank to a borrower, which is used for the tuition and fees required by the borrower's national citizens or their legal protectors to study in overseas universities and study for master's and doctoral degrees. Study abroad loan is a special kind of education loan.

1 loan object

Persons who have reached the age of 18, are applying for or have been approved to study in universities and master's or doctoral degrees abroad or their legal guardians. The borrower must meet the following conditions:

(1) A natural person with full capacity for civil conduct.

(2) Having a valid identity document and a fixed residence.

(three) good credit, with the ability to repay the loan principal and interest.

(four) has obtained the school's admission notice or admission notice.

(5) Having assets and pledges recognized by the handling bank.

2. Use of loans

1. Tuition and living expenses for studying abroad.

2. Studying abroad requires a deposit.

3. Loan currency

Renminbi or foreign exchange (foreign exchange is limited to US dollars and Hong Kong dollars)

4. Loan amount

Where certificates of deposit or treasury bonds are used as collateral, the maximum loan amount is 90% of the face value of the collateral; If the real estate is used as collateral, the maximum loan amount is 60% of the mortgage value. In principle, the maximum amount of foreign exchange loans for studying abroad shall not exceed $40,000.