method of remittance
telegraphic transfer
Suitable for international students who have gone abroad, have registered accounts abroad or paid tuition or registration fees for international students abroad; If the tuition or registration fee is telegraphic transfer, it will be received in 2-3 days at present, but there is a handling fee of 1% and a certain telecommunication fee.
Remittance bill
Suitable for international students who have gone abroad for the first time and have not yet opened a bank account abroad. By bill transfer, they only need to provide their names and the names of their cities. International students can go abroad with money orders and collect money in foreign banks.
traveler's checks / traveller's cheque
It has various denominations and can be directly used as cash in many countries without having to pay in the bank first. If it is lost, you can also report the loss, claim for compensation and make emergency compensation. The fly in the ointment is that the handling fee for traveler's checks is higher.
You can also try to use online banking to send money overseas. At present, most banks can provide remittance services in nine currencies, such as US dollars, Hong Kong dollars, euros, British pounds, Japanese yen, Australian dollars, Canadian dollars, Swiss francs and Singapore dollars, which can save the trouble of queuing at outlets and filling out bills manually.
As for the international student credit cards or international credit cards introduced by many banks, it is recommended to use them with caution. Because the issuing bank of credit card is in China, although it is convenient to consume, it needs to pay an annual fee, and the handling fee for withdrawing cash abroad is higher.
bank opens an account
I. Materials to be prepared
1. Basic materials
First, the necessary identification materials. As I have just arrived in Ireland, I have not obtained a formal residence certificate, so I can use my passport. I just need to show a copy of my passport.
Secondly, you need to prepare a letter of introduction, that is, a bank letter issued by the international student office of the school. With this, you can handle it for free, which is very convenient. Of course, everyone must be familiar with it in advance.
2. Additional materials
Of course, the above materials alone are not enough. You must also prepare some other supporting materials to prove that you are qualified to apply for a bank card. If it is a credit card, you need to prepare more materials.
The funds deposited in the bank card need to show proof of the source of funds; In addition, it is generally necessary to register users on the bank's official website website now; Finally, fill out the application form in the bank, and you need to improve your basic information.
Second, the handling process
Generally, schools will assist in opening accounts during the orientation week, so we must grasp the time, remember the registration date and prepare all materials in advance. The opening hours of different majors are different, so be sure to understand clearly.
First go to the school office to get the letter of introduction, then pack all the materials, go to the bank that needs to apply for a card, fill out the form, pay the fee and hand in the materials according to the instructions of the staff, and finally wait for it.
Loan guide
1, loan policy
The loan policy just signed this time will provide financial support for those students who are qualified to study abroad but are not well off to help them complete their studies in Ireland. In fact, Ireland is not stingy in providing scholarships. Take Dublin Institute of Technology (DIT) as an example. The scholarship provided by DIT is 23,000 euros a year, and 23,000+11500 = 34,500 euros for a one-and-a-half-year master's program. Excluding 15000 euros for living expenses and 8000 euros for accommodation, students can still spend money or send them home when they don't work. As long as the students are really excellent, willing to work hard and pass all the exams smoothly, it is not difficult to get a scholarship.
2. Allow students to study abroad with loans from designated banks.
Recently, the visa office of the Irish Embassy signed an agreement with China Everbright Bank to allow China students to freeze loans and funds in designated banks in Beijing and Shanghai. This agreement has been put into practice. The loan policy signed this time will provide financial support for those students who have excellent academic performance but are short of funds, get visas and help them complete their studies in Ireland.
3, loan application conditions
The borrower shall hold an admission notice or other valid admission certificate issued by the school where the student intends to study abroad;
The borrower has no violation of laws and regulations, is in good health, and is honest and trustworthy;
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;
The borrower has full capacity for civil conduct, and the actual age of the loan due date is no more than 55 years old;
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;
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;
Meet other conditions stipulated by the lender.
Step 4: Process
If the borrower is an overseas student, his domestic agent should be present when signing the loan contract and sign the loan contract at the same time.
If the loan is guaranteed by a legal person, the legal representative or authorized agent of the guarantor must be present and sign the guarantee contract.
If the loan is guaranteed by a natural person, the guarantor must be present and sign and seal the guarantee contract.
The loan contract and the guarantee contract must be notarized with enforceable effect, and the agency agreement between the borrower and its domestic agent should be signed and notarized at the same time as the above contract.
After receiving the borrower's application materials, the bank lender will give a reply within 7 working days. If the loan is not approved, the lender will explain the reasons to the borrower and return all the materials provided by the borrower; If the loan is agreed, the lender will inform the borrower of the amount, term, interest rate and repayment plan of the agreed loan, sign a loan contract and a guarantee contract with the borrower and the guarantor, and go through the relevant loan procedures.
Expenses such as appraisal, insurance, registration and notarization of collateral and pledge shall be borne by the borrower.