The RMB loan for studying abroad is a RMB loan issued by the Bank of China to borrowers, which is used for the deposits, tuition fees and living expenses (including overseas travel expenses) required by the educated to participate in overseas university preparatory courses, universities or pursue master's and doctoral degrees. It can be divided into study abroad deposit loans before obtaining a visa to go abroad and study abroad education loans after obtaining a visa to go abroad. Among them, the study abroad deposit loan is a loan for the funds needed by the educated to study abroad.

Loan amount: in principle, it shall not exceed 80% of the total tuition and fees and living expenses required by the educated during their study in school. The minimum is 1 10,000 yuan, and the maximum is not more than 500,000 yuan.

Loan term: generally one to six years, and the loan interest rate shall not exceed ten years at the longest (including ten years): the loan interest rate of the same grade stipulated by the People's Bank of China shall be implemented. If the term is within one year (including one year), the interest will be calculated according to the contract interest rate, and the contract interest rate will remain unchanged when the legal interest rate is adjusted; The term is more than one year and the interest rate is fixed for one year. When the statutory interest rate is adjusted, it shall be implemented according to the adjusted interest rate of the People's Bank of China on the next interest rate determination date; Loans overdue did not approve the extension of the part, according to the provisions of the people's Bank of China overdue loan interest rate.

Loan conditions: The borrower who applies for studying abroad deposit loan shall submit the following documents, certificates and materials to China Bank:

(1) Fill in the education loan application form;

(2) The ID cards, household registration books, graduation certificates and copies of the borrowers and educated personnel shall be kept by the Lender;

(3) Proof of the relationship between the borrower and the educated;

(4) Proof of tuition fees and living expenses required during the school period issued by overseas schools;

(5) Proof of 20% of the borrower's self-raised funds (certificate of deposit);

(six) the guarantee letter of commitment issued by the guarantor and the guarantor's identity card, household registration book and income certificate.

In addition to the above certificates, the borrower applying for a loan for studying abroad shall also submit the following materials:

(a) Passport and embassy visa of the educatee, and provide copies for the lender's file;

(two) the admission notice issued by the educated who study abroad;

(3) The borrower provides one or more of the following documents:

1. Income certificate provided by the personnel or labor department of the unit;

2 certificates of deposit, certificates or treasury bonds;

3. Proof of other assets under the name of the individual;

4. Other proof of income.

(4) Opening the Great Wall Electronic Debit Card in China Bank;

(five) to apply for a loan by a third party guarantee, issue a written commitment of the guarantor to agree to the guarantee, and provide credit certificates such as the guarantor's ID card, household registration book, income or property certificate;

(six) to apply for a loan by mortgage of property or pledge of rights, it shall provide a list of collateral and pledge, and a letter of commitment or statement signed by the person who has the right to dispose of the property (including the property owner). Collateral shall submit the value evaluation report and insurance certificate issued by the relevant departments, and the pledge shall provide the right certificate.

Second, foreign exchange loans.

The foreign exchange loan for studying abroad is a foreign exchange loan issued by China Bank to the borrower to solve the tuition, fees and living expenses of the educated going abroad to study for a master's degree or above.

Loan amount: it shall not exceed 80% of the total expenses (tuition and fees and normal living expenses), and the single amount shall not exceed USD 40,000 in principle.

Loan term: generally one to six years. Loan interest rate: The loan interest rate of China Bank is the same. If the term is within one year (including one year), the interest will be calculated according to the contract interest rate, and the contract interest rate will remain unchanged when the legal interest rate is adjusted; If the term is more than one year, in case of interest rate adjustment, it shall be implemented according to the provisions of Bank of China on interest rate adjustment.

Loan terms:

(1) A natural person who has reached the age of 18 and has full capacity for civil conduct;

(2) Having a local permanent residence or valid residence status and a fixed detailed address;

(three) to provide the formal admission notice or admission notice of overseas schools, as well as the proof materials of tuition and fees required during the study period;

(4) Providing collateral, pledge, guarantor or purchasing performance guarantee insurance recognized by the bank;

(5) Deposit no less than 20% of self-raised funds;

Materials to be submitted: valid identity card, passport (pass), original and photocopy of household registration book; The valid residence identity certificate of the domestic agent; The borrower is the immediate family member and legal guardian of the educated person, and must provide proof of the relationship between the borrower and the educated person and proof of the economic income recognized by the lender; The letter of admission (letter of admission) and the supporting materials of the required expenses; Provide a list of mortgaged property and pledged property, and a letter of commitment or statement signed by the person who has the right to dispose of the property (including the property owner) agreeing to mortgage and pledge; Collateral value assessment report and insurance documents of the insurance department; Documents certifying the pledge of property rights; Written documents and relevant credit certification materials of the guarantor's consent to guarantee; Personal savings passbook opened in China Bank and its copy, or credit card. Other supporting documents and materials required by the lender.