1.
First, the meaning of studying abroad loan
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 for studying abroad and living expenses.
Nowadays, in addition to studying abroad loans, foreign currency traveler's checks are also a convenient way of remittance payment. Traveler's check refers to a fixed denomination bill issued by domestic commercial banks, printed by overseas banks or professional financial institutions, with the issuer as the final payer and the freely convertible currency as the pricing and settlement currency. Domestic residents must personally sign the check when purchasing. You only need to sign it again when you change it, which is convenient for people who study abroad or travel abroad.
Loans for studying abroad belong to the category of educational aid loans. Education student loans include commercial education student loans and national student loans with financial discount. Business education student loan refers to the tuition and miscellaneous fees (including travel expenses abroad) paid by the lender to the borrower for the borrower or his legal guardian to attend domestic middle schools, ordinary colleges and universities and study for master's and doctoral degrees, or the consumer loans that have been approved to study in universities and study for master's and doctoral degrees abroad; The national student loan refers to the student loan granted by the lender from the central or local financial discount to the borrower, which is used for the tuition, miscellaneous expenses and living expenses required by the borrower himself or his immediate family or legal guardian to study full-time undergraduate, junior college or graduate students in domestic universities. At present, study abroad loans are only applicable to commercial loans.
Second, the object of studying abroad loans
The object of the loan for studying abroad is the intended overseas students or their immediate family members or spouses.
Three. The borrower shall meet the following 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 currently limited to real estate with mortgage; Pledged goods are currently limited to government bonds, bank certificates of deposit, corporate bonds and other securities; 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. Other conditions stipulated by the lender.
Four, the amount and duration of the loan for studying abroad
The loan amount for studying abroad shall not exceed the sum of the equivalent RMB of the registration fee, tuition, living expenses and other necessary expenses specified in the admission notice or other valid admission certificates of foreign study schools, and the maximum amount shall not exceed RMB 500,000. At the same time, the following conditions must be met:
1. If the mortgaged property is used as collateral, the loan amount shall not exceed 60% of the collateral value recognized by the lender;
2. The loan amount shall not exceed 80% of the value of the pledged property if it is pledged by treasury bonds or bank certificates of deposit; Where corporate bonds are pledged, the loan amount shall be determined according to the credit status of the bond issuer, and the amount shall not exceed 60% of the face value of the pledge;
3. If a third party provides joint liability guarantee, and the guarantor is a legal person recognized by the bank, the loan can be paid in full; If it is a natural person recognized by the bank, the loan amount shall not exceed 200,000 yuan.
The term of the loan for studying abroad shall be determined according to the duration of studying abroad, the income of the borrower and the guarantee ability of the guarantor and collateral, and the longest term shall not exceed six years (including six years).
2. Requirements for learning Korean in Korea
1, Korean language requirements of Korean study universities
Seoul National University
Undergraduate Korean requirements: IK 4.
South Korea's requirements for graduate students: IK level 4 or above.
korea university
Undergraduate Korean requirements: IK 4.
South Korea's requirements for graduate students: IK level 4 or above.
yonsei university
Undergraduate Korean requirements: IK 4.
South Korea's requirements for graduate students: IK level 4 or above.
Sungkyunkwan university
Korean requirements for undergraduate/graduate students: According to the needs of various disciplines, the required IK language scores are different.
Xinjiang university
Undergraduate Korean requirements: IK 3 or above.
South Korea's requirements for graduate students: IK level 4 or above.
Kyung hee university
Undergraduate Korean requirements: IK 3 or above.
South Korea's requirements for graduate students: IK level 4 or above.
Central University
Korean requirements for undergraduate/graduate students: IK level 4 or above.
dongguk university
South Korea's requirements for undergraduate/graduate students: IK level 3 or above.
Jianguo university
Undergraduate Korean requirements: IK 3.
South Korea's requirements for graduate students: IK 4.
Seoul National University
Korean requirements for undergraduate/graduate students: IK 4.
Korea Foreign Studies University
Korean requirements for undergraduate/graduate students: IK 4.
national university
South Korea's requirements for undergraduate/graduate students: IK level 3 or above.
sejong university
Korean requirements for undergraduate/graduate students: IK level 4 or above.
Ewha Womans University
Undergraduate Korean requirements: IK 3 or above.
South Korea's requirements for graduate students: IK level 4 or above.
Busan University
Undergraduate Korean requirements: IK 3.
South Korea's requirements for graduate students: IK 4.
Jeonbuk University
Korean requirements for undergraduate/graduate students: IK 4.
2. Korean proficiency test level
IK is divided into 6 grades, 1~2 is primary, and 3~6 is intermediate.
1 level: pronunciation, basic sentence patterns in the introductory stage, and basic daily communication.
The second level: basic sentence understanding, simple sentence making and basic communication.
Level 3: intermediate grammar, simple composition, daily language and daily dialogue.
Band 4: intermediate grammar application, in-depth writing and multi-topic dialogue.
The fifth level: intensive training aimed at applying for universities or graduate students to improve the ability of multi-topic in-depth dialogue.
Grade 6: I majored in Korean to prepare for college courses, and I was proficient in using Korean in class for personal publication.
Generally, if you reach the level of IK4, you will reach the stage of understanding most of the agenda dialogues.
3. Matters needing attention in studying in South Korea
1. Exchange money online
When you go out, you have to spend money everywhere. To study in Korea, you need to pay tuition, rent, dormitory expenses, daily living expenses, transportation expenses and so on. In addition to the money earned by working, most of the expenses are still supported by the family, but the family can only provide RMB and need Korean won in Korea. Although you can withdraw money directly outside Korea, after all, the bank exchange rate is low and there is a daily limit, so many people seize this point and provide money exchange services. You give him RMB, and he transfers it directly to you in Korea. The exchange rate is very high.
However, this private money exchange transaction is a gray area and is not protected by law. It is generally an online transaction. Once something goes wrong, you can't contact anyone at all. There is no good way to solve the alarm, and finally I have to give up. During my study in Korea, I heard a lot of such tricks, ranging from thousands to tens of thousands.
Remind the students that money must be exchanged through the bank, and don't be greedy and cheap, leaving the safe channel.
2. The airport helps to transport parts.
Some students experienced it once at the Korean airport. At that time, I went back to China on vacation with my friends. When I was waiting for the consignment at the airport, I met two Korean uncles who came to help me bring things. It is said that it is a mechanical part and needs to be reissued to customers, but the logistics is too slow. I want to put it in my suitcase and check it back to China. Then I will give that person's contact information and pay a certain fee.
The classmates didn't think much at that time, but after all, they were not at ease with strangers and refused. Later, I talked about it with my friends. I searched the internet and found that there would be such a situation, that is, helping to bring things at the airport, which would contain some contraband. Once it is seized by the customs, it may inadvertently become an accomplice, and if it is serious, it may be subject to legal sanctions.
3. The purchasing agency or agency helps to bring medicine or cosmetics.
Similar to the above situation, some beauty salons or purchasing agencies will recruit people to bring cosmetics or some medicines to China. It is no problem to bring some cosmetics at ordinary times, but there may be some cosmetics or medicines that have never been seen before, and some ingredients contained in them may be prohibited in China. If you carry prohibited items without any declaration, it will be smuggling. In serious cases, you may be arrested and sent to prison.
So remind students who want to study abroad that they must pay more attention when they go out, and don't be greedy for petty gain and resist temptation.