First, the application conditions for studying abroad loans

(1) The lender's loan is used for the tuition and living expenses of international students.

(2) The age of the lender shall not exceed 55 on the loan maturity date.

Second, prepare information.

1. Valid identity certificate, household registration certificate and marital status certificate; Proof of kinship and personal income/property (required if the borrower is an immediate family member or spouse of an international student);

2. Proof of valid student status and related expenses (such as foreign admission notice and tuition list, etc.). );

3. Application form for studying abroad loan (available at the business outlets around the Bank);

4. Other materials required by the bank.

Third, banks that support loans for studying abroad.

1, Bank of China

Generally, the term of foreign exchange loan for studying in China Bank is 1 ~ 6 years, and the maximum loan amount does not exceed 80% of the total tuition and living expenses of the borrower during his study abroad. It is divided into RMB loans for overseas students and foreign currency loans for overseas students. The specific loan term, loan proportion and loan amount shall be determined by the bank according to the expenses and guarantees required by the borrower to study abroad.

Characteristics of China Bank's overseas study loan products: it can be used for overseas study and living expenses of students who have been approved to study abroad for undergraduate, master and doctoral degrees; Provide RMB loans and foreign exchange loans in five currencies: USD, GBP, JPY, EUR and HKD. Borrowers can choose according to actual needs, and overseas tuition and living expenses can be easily settled. You can choose mortgage, pledge guarantee and third-party guarantee to apply for a loan. The repayment channel is fast and convenient: you can choose to remit money from abroad, make repayment through online banking or entrust others to make repayment in China. The repayment grace period is considerate and affordable: the lender can give the borrower a certain grace period, during which only the interest is repaid, not the principal, and the use of funds is more flexible.

2. Agricultural Bank of China

China Agricultural Bank's loan for studying abroad: The applicant shall handle this business at any branch of China Agricultural Bank with his/her valid identity certificate, deposit certificate, passbook, bank card and national debt certificate, and fill out the "Application for Deposit Certificate of China Agricultural Bank". If I can't come for some reason, I can also authorize others to handle this business for me. In addition to the above-mentioned documents, the agent shall also hold the power of attorney of the authorized person and the valid identity certificate of the agent himself.

Validity period: the date when the bank issues the certificate of deposit is the date when the customer handles this business. The time limit for stopping payment of the deposits involved in the application for issuing certificates of deposit shall be decided by the applicant and indicated in the application. If the date is the same day, the deadline is the date when the certificate is issued.

3. China CITIC Bank

Borrowers applying for study abroad loans should meet the following conditions: having legal identity documents, local permanent residence or valid residence certificates; The borrower or his family members have a stable occupation and reliable income, and have the ability to repay the principal and interest of the loan on schedule or on their behalf; The borrower or its sponsor has written proof materials for studying abroad; Having assets recognized by the bank as collateral or pledge; Other conditions stipulated by the bank.

The loan repayment method is determined according to the loan term and guarantee method, and the following methods can be adopted: a. Pledge method. If the loan term is within 1 year (including 1 year), the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid with the principal; If the loan term is greater than 1 year, the principal and interest shall be repaid monthly or quarterly. In addition to the special provisions of the head office, some countries allow quarterly repayment of principal and interest, and monthly repayment of principal and interest will be adopted. B. Housing mortgage method. Regardless of the duration of the loan, the principal and interest will be repaid on a monthly basis.

Extended data

Pay attention to your integrity.

When you apply for a loan for studying abroad, you should check your integrity. Banks can know the borrower's integrity by querying the credit records. Honesty is very important in studying abroad.

After the contract is signed, the loan for studying abroad will be directly transferred by the bank to the savings card or current savings account opened by the borrower in the bank. The borrower shall deposit the repayable loan principal and interest into a savings card or current savings account before the loan expires as agreed in the loan contract. After all the loan principal and interest are paid off, the bank will return all the vouchers to the mortgagor or pledger, and go through the mortgage (pledge) cancellation registration procedures.

Reference source? Study Abroad Loan-Baidu Encyclopedia