Agriculture, construction and China Bank are all good, mainly depending on the applicant's family economic situation and the choice of study abroad country.
I ICBC's study abroad loans are divided into withdrawal type and non-withdrawal type. "Withdrawal of personal loan for studying abroad", the upper limit of which can reach 2 million yuan, can be paid in one lump sum or in installments according to the borrower's tuition, accommodation and living expenses. Personal study loan cannot be withdrawn, with an upper limit of 654.38+0 million. Customers only need to provide ICBC with 654.38+00% of the loan amount, and they can get RMB loans with the credit certificate recognized by the relevant embassies and consulates.
Second, the loans for studying abroad deposits, education and other related expenses issued by the Agricultural Bank to individuals who are applying for or have been approved to study for undergraduate (inclusive) and above degrees in institutions of higher learning, and their immediate family members and legal guardians are the loans for studying abroad of the Agricultural Bank. The maximum loan amount for studying abroad can reach 6.5438+0.5 million yuan, and the longest loan period is 5 years.
Third, CCB can handle personal consumption loans for customers with tuition fees and living expenses for studying abroad. For high-end customers, CCB also provides the "study abroad link" service, providing tailor-made design for customers' children with study abroad needs, covering their entire study abroad cycle. According to the customer's credit status and loan guarantee method, the loan ceiling can reach 2 million yuan, and the loan period can last for up to five years.
As a traditional specialized foreign exchange and foreign trade bank, China Bank has an extensive network of institutions in 37 countries and regions around the world, which can provide professional and all-round "one-stop" cross-border financial services for families studying abroad. Among them, the "one deposit and nine loans" deposit loan and the "two mistakes" foreign exchange study loan for studying abroad and increasing the value of family property have the advantages of high quota, long term and low cost, and their own funds can reach up to nine times, that is, "one deposit and nine loans".
6. The loan period for studying abroad in China Bank ranges from 1 year to 6 years, and the longest is not more than 10 year. There are dollars, pounds, euros, Japanese yen and Hong Kong dollars to choose from, and the loan amount does not exceed 80% of the total tuition and living expenses required.
Which bank is better for studying abroad loan? These four banks are all good.
Studying abroad is a hot topic in recent years, and I believe everyone is very interested in studying abroad. Before studying abroad, if you need to apply for a loan, you should first choose whether to seek a loan from major domestic banks or from financial or educational institutions. So which bank is good for studying abroad loan? Let's take a look together.
Which bank is good for studying abroad loan?
1, Agricultural Bank of China
The Agricultural Bank of China has a personal loan specially prepared for international students, with a maximum amount of 654.38+0.5 million yuan and a loan period of no more than 5 years. I, immediate family members and legal guardians can apply. Need to provide proof of study abroad qualification, including deposit certificate and study abroad certificate. Comprehensive preparation can improve the pass rate of visas.
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CCB has a product for studying abroad called "Learning Easy Loan", which can be used not only by international students, but also by higher on-the-job educators, with a maximum amount of 654.38+0 million. "Learning Easy Loan" can take the form of mortgage, pledge, credit and mortgage pledge. Support includes equal principal and interest method, average capital method, due principal and interest method and due principal and interest method. If the loan term is more than one year, the monthly repayment method of equal principal and interest or the monthly repayment method of average capital must be adopted.
3. Industrial and Commercial Bank of China
The highlight of ICBC's study abroad loan is the high loan amount, up to 2 million yuan and long term. Combined with the loan for studying abroad, it provides supporting services such as credit certificate, personal purchase of foreign exchange, settlement of foreign exchange, witness account opening, overseas account opening and international credit card handling. Loans can be issued at the time of the first application, or according to the borrower's tuition, accommodation and living expenses payment period.
4. Bank of China
Bank of China provides one deposit, one loan and nine deposits. For example, if you deposit 6,543,800 yuan in China Bank, you can borrow 900,000 yuan, and then get a deposit certificate of 6,543,800 yuan. Tuition, miscellaneous fees, transportation expenses and living expenses can reach 10 years (inclusive). Loans are used to pay tuition fees, miscellaneous fees, transportation fees and living expenses, and the maximum amount shall not exceed 80% of the total cost of the educated studying abroad.
Tuition and miscellaneous fees are based on reasonable certificates issued by colleges and universities, and the amount of living expenses and travel expenses is approved according to the countries and regions where they study, and the maximum amount can reach RMB or equivalent foreign exchange1.20,000-200,000 yuan/year.
Which bank can apply for a loan for studying abroad?
1, China Construction Bank
Loan purpose: used for tuition and living expenses of individuals studying abroad or studying MBA, MPA and other high-end vocational education on the job.
Loan amount: The maximum loan amount for a single household shall not exceed 6,543,800 yuan.
Loan term: "study time 1 year".
Loan interest rate: it is subject to the loan interest rate regulations of China Construction Bank.
Guarantee method: "Learning Easy Loan" can adopt mortgage, pledge, credit and "mortgage pledge" loan methods.
Repayment methods: including equal principal and interest method, average capital method, one-time principal and interest repayment at maturity, and any scheduled principal and interest repayment. If the loan term is more than one year, the monthly repayment method of equal principal and interest or the monthly repayment method of average capital must be adopted.
2. Industrial and Commercial Bank of China
The highlight of ICBC's study abroad loan is its high loan amount, up to 2 million yuan and long term.
High loan amount: the maximum loan amount for withdrawing personal study abroad loans is 2 million yuan; The maximum amount of non-drawable personal loan for studying abroad is 6,543,800 yuan.
Long loan term: the longest loan term can reach 10 year.
There are various forms of guarantee: mortgage, pledge, guarantee, etc.
Flexible loan granting method: the loan can be granted in one lump sum at the time of initial application, or in installments according to the payment period of the borrower's tuition, accommodation and living expenses.
Comprehensive services: in combination with the loan for studying abroad, it provides supporting services such as credit certificate, individual purchase of foreign exchange, settlement of foreign exchange, witness account opening, overseas account opening and international credit card handling.
3. China Construction Bank
Loan purpose: used for tuition and living expenses of individuals studying abroad or studying MBA, MPA and other high-end vocational education on the job.
Loan amount: The maximum loan amount for a single household shall not exceed 6,543,800 yuan.
Loan term: "study time 1 year".
Loan interest rate: it is subject to the loan interest rate regulations of China Construction Bank.
Guarantee method: "Learning Easy Loan" can adopt mortgage, pledge, credit and "mortgage pledge" loan methods.
Repayment methods: including equal principal and interest method, average capital method, one-time principal and interest repayment at maturity, and any scheduled principal and interest repayment. If the loan term is more than one year, the monthly repayment method of equal principal and interest or the monthly repayment method of average capital must be adopted.
4. Bank of China
Bank of China provides "one deposit and nine loans" as a margin loan. For example, if you deposit RMB 6,543,800+in China Bank, you can borrow RMB 900,000, and then get a deposit certificate of RMB 6,543,800+0,000.
deadline
Tuition, transportation and living expenses can be used up to 10 years (inclusive). The maximum use period of study abroad deposit shall not exceed the borrower's study period.
loan currency
Rmb, USD, JPY, EUR, GBP, HKD, AUD and CAD.
Maximum loan amount
The purpose of the loan is to pay tuition and fees, transportation expenses and living expenses, and the maximum amount shall not exceed 80% of the sum of all the expenses required for the educated to study abroad.
Tuition and miscellaneous fees are subject to the valid certificate issued by the school, and the amount of living expenses and transportation expenses is approved according to the countries and regions studying abroad, and the maximum amount can reach RMB or equivalent foreign currency1.20,000-200,000 yuan/year. The maximum deposit for studying abroad can reach 6.5438+0.5 million yuan or equivalent foreign currency.
loan rate
The loan interest rate adopts the method of "benchmark floating/adding point". Renminbi loans are based on the interest rate announced by the People's Bank of China. Foreign currency loans are based on the international financial market interest rate or the official interest rate issued by the relevant countries, and are determined according to the loan currency.
Grace period for repayment
The lender may grant the borrower a certain grace period, and the longest grace period for individual study abroad loans shall be 2 years, which shall not exceed the schooling years of the educated. During the grace period, only interest is paid, not principal. The borrower shall repay the loan principal and interest on schedule as agreed in the contract from the next month after the expiration of the grace period.
5. The study abroad loan business of CITIC Bank.
Rmb loan used to pay tuition and living expenses during studying abroad, or the deposit required in the process of applying for studying abroad visa.
The maximum loan amount of real estate mortgage can reach 90% of the value of collateral, 95% of the value of pledge, and the credit guarantee is 6.5438+0.5 million yuan. The term can be as long as 30 years; You can choose to use it once or in stages.