The loan for studying abroad refers to the foreign exchange consumption loan issued by the bank to overseas students or their immediate family members or spouses to pay tuition and fees and living expenses for studying abroad. The loan amount for studying abroad shall not exceed the sum of the registration fee, tuition, living expenses and other necessary expenses within one year specified in the admission notice or other valid admission certificates of foreign study schools, and the maximum amount shall not exceed RMB 500,000. The loan for studying abroad can be unsecured mortgage loan or unsecured personal loan for personal consumption. Just provide the application materials: ID card, proof of income, proof of work and proof of loan use.

The borrower must meet the following seven conditions:

1. The borrower has full capacity for civil conduct, and the actual age of the loan due date is no more than 55 years old;

2. The borrower has no violation of laws and regulations, is healthy, and is honest and trustworthy;

3. If the borrower is an overseas student, he should have a permanent residence or other valid residence status at the lender's place before studying abroad;

4. If the borrower is an immediate family member or spouse of a student studying abroad, he should have a permanent residence or other valid residence status in the area controlled by the lender, have a fixed residence, have a stable occupation and income source, and have the ability to repay the principal and interest on schedule;

5. The borrower shall hold an admission notice or other valid admission certificate issued by the school where the student intends to study abroad;

6. The borrower shall provide property mortgage, pledge or third-party guarantee recognized by the lender. Mortgaged property is limited to property with mortgage right; Pledges are limited to securities such as government bonds, bank certificates of deposit and corporate bonds; The guarantor shall be a legal person or natural person with compensatory ability, and be willing to bear joint and several liability for repayment;

7. Meet other conditions stipulated by the lender.