1, a natural person aged 18, with full capacity for civil conduct and no bad credit record;
2. China citizens with valid residence status in China (referring to resident identity cards or temporary resident identity cards, household registration books, military identity documents, armed police identity documents, etc.). ) and have a fixed residence;
3, the borrower should have a stable source of income, with the ability to repay the loan principal and interest on schedule; If the borrower is an educated person and has no stable source of income, his immediate family members should be the same borrower, and provide valid proof of kinship with the educated person;
4. The educated should hold the admission notice and other admission documents issued by overseas institutions of higher learning recognized by the Ministry of Education of China; Students applying for loans should also provide valid proof materials (including student ID card, tuition payment voucher for the previous academic year, valid study visa, etc.). );
5. The borrower must have not less than 20% of all tuition and fees and living expenses of the educated during their study period in foreign currency or equivalent RMB funds;
6. The borrower shall provide a guarantee recognized by the handling bank;
7. The sum of the borrower's age and the loan term shall not exceed 65 years old;
8. Other conditions stipulated by laws, regulations, regulatory provisions and the handling bank of China.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.