1. The borrower has reached the age of 18 and has full capacity for civil conduct. If the overseas students are under the age of 18, their legal guardian may be the borrower;
2. It has legal and valid identity certificate, marital status certificate, household registration certificate of the lender's location or valid residence certificate;
3. The borrower has a good credit record and repayment willingness, and provides personal credit report inquiry;
4. The borrower has a stable income source and good repayment ability, and provides relevant certificates;
5. It is necessary to have a clear proof of the use of the study abroad loan, such as the admission notice issued by the study abroad school;
6, can provide effective guarantee, such as real estate mortgage, financial pledge, guarantee, credit, etc.;
7. If the borrower is a student studying abroad or an accompanying student, he may provide a domestic applicant and entrust a notary as appropriate;
8. Other conditions stipulated by the lending institution.
Description of study abroad loan
1. You can find formal banking institutions, such as Bank of China, Industrial and Commercial Bank of China and China Construction Bank. In this way, the loan interest rate may be relatively lower, and the loan procedures and processes are safer and more transparent.
2. The longest term of the loan for studying abroad can reach 10 year, and the loan amount can reach 1 1,000,000,000 yuan. Borrowers need to borrow money reasonably according to the actual situation, and can also issue certificates on tuition and fees, living expenses and other required expenses.
3. When it comes to studying abroad, some banking institutions can provide services such as foreign exchange settlement and overseas account opening, so as to provide convenience to borrowers as much as possible.