Study abroad loan
First of all, the borrower should have the conditions.
Having full capacity for civil conduct; The actual age of the loan due date shall not exceed 55 years old; Should hold the admission notice or other valid admission certificate of the school where the intended overseas student is located, as well as the passport with the entry visa of the country where the intended overseas student is located; Should have a fixed residence or other valid residence status in the controllable area, have a fixed residence and a stable occupation and economic source.
Second, the amount and duration of the loan.
The amount of the loan for studying abroad shall not exceed the sum of the registration fee specified in the letter of admission or other valid admission certificates of the school for studying abroad and the equivalent RMB of tuition, living expenses and other necessary expenses within one year, with a maximum of 500,000 RMB and a maximum term of 6 years (including 6 years).
Types of guarantee mortgage for studying abroad loans
(1). Real estate mortgage: The maximum loan amount shall not exceed 60% of the value of collateral recognized by the lender; (2) Pledge (mortgage of government bonds and bank certificates of deposit): The maximum loan amount shall not exceed 80% of the value of the pledged property.
(3) Credit guarantee: If a third party provides joint and several liability guarantee, and the guarantor is a legal person recognized by the bank, it can pay in full; If it is a natural person recognized by the bank, the maximum loan amount shall not exceed 200,000 yuan.
Three. Information to be provided by the borrower
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; The valid admission documents such as the admission notice and the admission notice issued by the school to study abroad and the relevant necessary expenses certificates, and at the same time provide my academic credentials.
Including the passport of the People's Republic of China that has gone through the entry visa formalities in the country where the school is located; Provide a China citizen with full capacity for civil conduct as the domestic agent of the borrower, and provide the ID card, relevant residence certificate and mailing address of the domestic agent.
If the property is mortgaged or pledged, the ownership certificate of the mortgaged property or the original of the pledged property, the documents and certificates of the authorized person (including the property owner) agreeing to mortgage or pledge shall be provided, and the appraisal certificate of the mortgaged (pledged) property issued by the competent department shall be provided when necessary.
If the guarantor is a legal person, it shall issue a written document that the guarantor agrees to guarantee (if the guarantor is a branch of a legal person, it shall also issue a guarantee document authorized by the legal person), 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, he shall provide the guarantor's identity card, household registration book, income or property certificate, etc.
Capital carrying
1, foreign exchange cash
Students studying in Korea should carry a certain amount of foreign exchange cash with them, but for safety reasons, the amount should not be too much, only enough to cover the daily expenses in the first few days after arriving in Korea. Under special circumstances, if it is really necessary to carry a large amount of foreign exchange out of the country, it is necessary to apply for a Permit for Carrying Foreign Exchange, hereinafter referred to as the Carrying Permit.
How to apply for a "carrying card"
Those who leave the country with foreign currency cash equivalent to less than $5,000 (including $5,000) do not need to apply for a certificate of carrying, and the customs will release them.
Anyone who carries foreign currency cash with the equivalent value of more than US$ 5,000 to US$ 10000 (including US$ 10000) shall apply to the designated foreign exchange bank for a "certificate of carrying", and the customs shall examine and release it with the seal of the designated foreign exchange bank. In order to ensure a smooth exit, you should go to the bank to apply for a "certificate of carrying" with relevant documents and materials before leaving the country. Please consult the relevant bank for details.
In principle, outbound personnel are not allowed to carry foreign currency cash exceeding the equivalent of US$ 65,438+RMB 0,000. If there are special circumstances, the exit personnel may apply to the foreign exchange bureau for a carrying permit.
2. Traveler's checks
Traveler's checks are liquid, permanent and valid, with no time limit. If you don't use it up, you can keep it for next time, or pay a certain fee to cash it. Like cash, traveler's checks have different faces, but compared with cash, traveler's checks have one advantage, that is, even if they are accidentally lost, they can be reported to the designated agency with their passports and purchase contracts to get new traveler's checks. Individual customers can use their personal foreign exchange accounts or personal foreign exchange and foreign currency traveler's checks within the purchase limit with their valid identity documents, passports with valid visas from countries or regions or passes to and from Hong Kong and Macao. The cost of buying traveler's checks is usually 65438+ 0%-0.5% of the purchase amount, and the difference fee that needs to be remitted when buying in foreign currency cash. When purchasing, the buyer must sign the traveler's check first, and when exchanging, the traveler's check must be countersigned in front of the bank teller.
3. International credit cards
Besides cash and traveler's checks, international credit cards are also a good choice, and even the best choice in some cases. Its advantages are:
Family members hold the main card to handle deposit business in China, and international students hold the secondary card to spend money abroad. However, you need to pay a certain handling fee to withdraw cash abroad with an international card. Therefore, it is suggested that the use of international cards should focus on consumption.
For spending with international cards, the cardholder can repay all the overdrafts within the credit line before the repayment date stipulated in the statement, and can enjoy an interest-free repayment period for a certain period of time, which is conducive to increasing income and reducing expenses.
If you spend money with an international card abroad, the bank will automatically convert it into your currency for settlement according to the foreign exchange transaction quotation published by the international credit card organization on the settlement day, thus reducing the loss and trouble of foreign currency exchange and avoiding the risk of carrying a large amount of foreign currency cash.