I. Conditions for applying for a loan for studying abroad:

1, a natural person with full capacity for civil conduct;

2. Have a local permanent residence or valid residence status and a fixed detailed address;

3. There are official admission notices or admission notices from overseas schools;

4. Proof of tuition and fees required during the study period issued by overseas schools;

5. Providing mortgage or pledge of assets recognized by the bank or a third-party guarantor with compensatory ability and joint liability;

6. The borrower has a certain proportion of the required expenses;

7. Other loan conditions stipulated by the bank.

Second, the loan amount for studying abroad:

The maximum loan amount shall not exceed 80% of all tuition and fees and normal living expenses of the borrower during his study abroad, and the maximum loan amount of each borrower shall not exceed 500,000 yuan.

Iii. Term of study abroad loan:

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).

Four, study abroad loan interest rate:

The interest rate of foreign exchange loans for studying abroad is the same as that stipulated by the Bank of China.

If the loan term is within one year (including one year), the interest shall be calculated at the interest rate agreed in the contract. When the interest rate is adjusted, the contract interest rate remains unchanged;

If the loan term is more than one year, in case of interest rate adjustment, it shall be implemented according to the provisions of Bank of China on interest rate adjustment.

Second, can a family with an annual income of 300,000 yuan afford to send their children to study abroad?

Your question is too general. The annual income of 300,000 families is not enough in principle, but it depends on which country you go to, whether you are studying in middle school, university or graduate school. Is there a scholarship? Rent a house? Or a relative's house? Wait, the more specific, the more accurate the suggestion, such as 1. Age, if you are young, you can't live in a student apartment, you can't rent a family, and you need a guardian. The cost will be great; 2. Tuition, private prestigious schools are expensive, universities depend on majors, and art classes are expensive; 3. Germany is cheap to study abroad, but English teaching is expensive. Different countries and regions have different fees, such as Tokyo, new york, Washington, Los Angeles, San Francisco, Singapore, London and Sydney, Australia. In the study stage, middle schools and universities are more expensive than graduate students. From the use of expenses, tuition, accommodation, meals, transportation and insurance are the main ones. It is very important to make a good evaluation, choose the right country, city, school and major, and choose the right learning stage!

3. Can I get a national loan if I want to study in Britain or the United States because of my poor family conditions?

Can I get a national loan if I want to study in Britain or the United States because of my poor family conditions? 1, ok. 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 and living expenses for studying abroad. 2. The loan for studying in China can be unsecured mortgage loan or unsecured personal consumption loan. Just provide the application materials: ID card, proof of income, proof of work and proof of loan use. 3. At the same time, being a TCFL teacher during studying abroad can also reduce their economic pressure, but they can only hold the qualification certificate of TCFL. 4. As the only legal national vocational qualification certificate for teaching Chinese as a foreign language, the National Ministry of Human Resources and Social Security Certification is an important certificate for the employment and promotion of Chinese as a foreign language practitioners, and it can also increase the overall competitiveness of individuals. College students, unemployed people and on-the-job people can come here to sign up for the training of Chinese as a foreign language teachers and the qualification examination for Chinese as a foreign language teachers and obtain certificates.

Want to study in Britain or America, and want to know how to determine which country you are suitable for? The overall cost in Britain is a little more expensive, only the top five universities are not bad, and the universities behind are more water. In the United States, there are many Nobel Prize winners and the quality of education is good. It is recommended to study in the United States.

Family conditions are average. Can I apply for studying in the United States? How to apply? You can apply for studying abroad. Step 1. Make clear your intention to study abroad. Many people give up choosing employment, postgraduate entrance examination, civil service examination or travel halfway because their intention to study abroad is not clear, which not only makes them lose a lot of examination fees, application fees or agency fees, but also makes them spend energy and time and do nothing. Therefore, before deciding to study abroad, clear intentions and firm beliefs are very important. There are two kinds of study abroad exams. One is the language test, which mainly examines the applicant's English ability. The second category is the entrance examination, which focuses on the research ability of the applicant's professional category. A. Language test: TOEFL, IELTS B. Entrance test: GRE, GMAT, LSAT, SAT, ACT 3. There are more than 4,000 colleges and universities in the United States, among which more than 3,600 universities offer undergraduate degrees, and more than 700 universities offer master's degrees and above. Among so many schools, how to choose and locate the schools to apply for after reasonably evaluating their own conditions? 4. Prepare application materials A. Standardized test scores (official transcripts such as TOEFL, IELTS, GMAT, GRE, etc.) B. Transcripts of high school/university/graduate stage (need to be stamped by the academic affairs office of the school or notarized by professional institutions) 3. Resume C. Personal statement or essay. Letter of recommendation (preferably a well-known professor or intern, senior leader of the company) E. Degree certificate/diploma or proof of studying F. Property certificate G. Other materials (copy of scholarship certificate, copy of award-winning certificate of international competition, copy of published academic papers, research plan of professional direction, etc. Almost all American universities have started school today. Generally speaking, online application generally needs to fill in the basic information of the applicant, or personal description, resume and other materials. Specific operations: A. Log in to the "online application system" of the school you want to apply for and register a new account. B. Log in to the online application system with your account, fill in personal information and PDF materials to be uploaded as required, and click the Submit button after confirmation. Since it cannot be modified after submission, please save the final submission first if you are not sure. Finally, the system will list the materials that must be mailed. According to this list, all materials will be packaged and mailed to the school by international letters, express delivery, etc. Pinch the deadline. In order to ensure the success probability of the application, it is recommended that the applicant deliver the materials to the school before the deadline. 6. Magnetization and interview 7. Waiting for the results and answers Generally speaking, after the first round of applications, American colleges and universities began to issue admission notices in June+February (after Christmas) in 5438, while some schools may not finish sending them until March and April (the third round of applications) at the latest. The latest reply time will generally be indicated in the admission notice. You must return to school before this time. Do you accept or not accept the admission of the school? The last time for the applicant to decide which school to choose cannot exceed April 15. In other words, if you refuse to accept the school, you must send all kinds of admission and scholarship materials (including I-20 form) back to the school before April 15. If you accept the school's admission, you should also inform the school as soon as possible. (namely 4. 15 protocol) 8. Visa preparation is the last step in the whole process of applying for studying in the United States. Generally speaking, applicants can pass safely. But there are exceptions, so we should be prepared to face American interviewers with the best face and positive attitude. Since studying abroad requires a visa of F 1, the principles are as follows: A. Applicants must prove that they have the ability to be full-time students in the United States. B. Applicants must also prove that the sole purpose of their short stay in the United States is to complete their studies in well-known academic institutions. In particular, we should eliminate tendencies. C. Applicants must also prove that they have the ability to pay tuition fees and living expenses required during their stay at school. 9. preparation before departure a. start booking air tickets, hold a visa F 1 and be the first person to enter the country, and you can enter the country 30 days before the start of school at the earliest. B prepare clothes, school supplies, medicines and other daily necessities. However, it should be noted that any kind of fresh fruits, vegetables, plants, seeds or plant products, all kinds of meat, unprocessed leather or animal fur, cattle, horses or poultry (including eggs) are not allowed to be brought into the country unless there is a license. C. According to American law, cash brought into the country exceeds $65,438+00,000 yuan, which needs to be declared to the US Customs, otherwise it will be confiscated by the Customs. Therefore, it is recommended to have a dual-currency credit card, which is more convenient to use in the United States. D.2011165438+Starting from1October 29th, the U.S. Department of Homeland Security will require all non-U.S. citizens to have their fingers scanned at the time of entry inspection. At the same time, the physical examination is not mandatory, so there is no need to provide a medical certificate.

If the family conditions are not good, can I enter an American university? Then apply for a full scholarship. If you are good enough, there will be no problem.

What kind of family conditions do you think are suitable for people studying in the United States? Or are there any international students in America who can communicate with me? I want to go to ESL. Basically, families who can pay more than 500,000 yuan a year for studying abroad are likely to study abroad without considering scholarships. If most schools in the United States give only three or four ELS of scholarships to foreigners, there is basically no threshold. The only threshold is the capital requirement.

I used to apply for a loan from the Bank of China for studying abroad, and I didn't have any special requirements for family conditions. I just need to save a certain amount of money for them. At that time, I seemed to have saved 5 loans and 9 loans (this ratio is now exaggerated). The specific proportion seems to be different from province to province. An intermediary I consulted said that they also provided loans to banks in China. Some provinces can deposit 2 loans and 9 loans, while others can only deposit 10 loans and 5 loans. Just consult your local bank. I hope I can help you.

Go to study in Britain or go to the United States for an undergraduate course. Can you recommend some schools? > this depends on your current academic performance, language performance and domestic study abroad funds. Second, it depends on the major you are interested in and the city you want to go to. You can ask me specific questions.

Can I work while studying in Britain or America? Of course, the high cost of studying abroad makes most international students have to work to increase their income and reduce the financial burden on their families. However, due to the lack of understanding of the policies of international students working, some people work illegally. An important reason why international students are expelled is that many international students work overtime. In order to let readers know more about the policy of studying and working abroad, the situation of several major countries studying abroad is introduced as follows. United States: Students who want to have a "work card" to study in the United States generally hold two kinds of visas, namely J 1 public student visa and F 1 private student visa. According to the regulations of the US Bureau, formal students with J 1 visas can work 20 hours a week, but the nature of their work must be related to their studies. Students with visa F 1 can also work 20 hours a week, but the scope of work must be on campus. Throughout the campus work in the United States, there are many manual jobs, such as sorting books in the library, cleaning in the canteen, selling meals and so on. The salary of these jobs is the minimum wage in the United States, that is, $5.75 per hour. It's only 460 yuan a month, so it's good to make a living. The 20-hour week stipulated by the bureau is only for the formal semester, and you can work 40 hours in the summer, which is not necessarily limited to the campus. But before looking for a job, you must apply for a work permit at the school's international student office. Then go to the bureau to get a "work permit", that is, a "work permit". Many international students regard summer vacation as a good opportunity to make money, and Chinese restaurants are generally the first choice. There are many jobs in Chinese restaurants, such as picking vegetables and washing dishes, cutting vegetables in the kitchen and watching the oil pan, cleaning the table and pouring tea in class, and then taking a seat. It is best to entertain, because the host not only gets a basic salary, but also a tip. In the United States, tipping is generally 15% to 20% of the meal fee. If you do anything else, I'm afraid you won't even get the federal minimum wage, because Chinese restaurants generally don't recognize any national regulations. Canada: You can only work on campus. According to Canadian law, only Canadian citizens or people with Canadian status who are over 18 years old can legally work in Canada. According to the regulations, international students are not allowed to work outside the school, but they can work in the school without paying taxes. International students can't work in school for more than a certain number of hours, which can't affect their study. For example, a student has five courses (full-time students) in a semester, and he has no time to work at school at all; If he takes three courses, he will have time to work. If students want to graduate early and take five courses a semester, the learning burden will be quite heavy and unbearable. How can they have time and energy to work? The positions of international students working in the campus mainly include library, student canteen and international student service center. In addition, they can also take care of the laboratory and do some data collection for the professor. Some students secretly work in a Canadian-run shop in the city, with an hour of 6.5 Canadian dollars (1 Canadian dollars is about 5.22 yuan), and the boss does not deduct tax on cash. It is said that in Toronto, most international students work outside the school to earn tuition. It is said that the bureau also knows this situation, but based on various considerations such as the complexity of the situation, they turn a blind eye. The supplementary clause also stipulates that any employer who employs undocumented foreigners must report to the bureau and apply for a work visa according to regulations, otherwise the employer will be financially punished, or even his business license will be revoked or sentenced. France: It is forbidden to work in the first year. The French Ministry of Education stipulates that international students are forbidden to work in the first year of study, so that students have enough energy to study. Therefore, everyone must prepare their living expenses for at least one year before going abroad. In France, there are various preferential policies for students, and we can estimate that this figure is around 7000 to 9000 euros. In the second year, only students who start professional study are eligible to receive work cards. The so-called work permit is the work permit you get from the police station after signing a contract with your employer. Without this work permit, you are a "black worker". Moreover, in case the boss is caught by the police using "illegal workers", he will be more than one bargained for, and the fine is not negotiable. In France, the minimum wage for working is 7.5 euros per hour, and you can get 45 euros for a day's work. Generally speaking, foreign students who have no special skills and engage in manual labor can only get the minimum wage. Australia: Although the application fee for studying abroad visa in Australia is lower than that in Europe and America, middle school students only need at least $654.38+$4,000 in tuition and accommodation each year, while international students above university need about $20,000. Many international students go out to work in their spare time and earn some subsidies in order to alleviate the financial pressure on their families. The Australian authorities have clear regulations for students to work. Canberra Education Bureau officials said that students applying for jobs must be over 18 years old. You must have a student visa to work. Offenders will be disqualified and repatriated. The specific procedures are as follows: international students can obtain an application form for a student visa that allows them to work in a school or department with a 57 1 (student) visa when entering the country, and then apply to the Ministry for a replacement of the student visa that allows them to work. If approved, you can work. The school's rule is that students can't work more than 25 hours a week, and holidays can be relaxed appropriately. According to the international students of Australian National University, it is one thing to apply for a work visa, and the specific work is another matter. There are not many jobs here, and there are too many people looking for jobs. Japan: There is a time limit for working. In Japan, there were no regulations on the behavior of international students working. However, with a large number of people coming to Japan in the name of studying abroad, the number of people actually working to make money has increased. 1June, 990, Japan issued regulations that international students must first obtain the consent of the university when they need to work, and then, with the school's certificate, the employer's contract (indicating the work content and time, etc.). ) and foreigners' login cards. The reason is that international students come to Japan not to make money, and they should not rely on part-time jobs to pay all the expenses, including tuition and living expenses. There are two main types of international students in Japan, namely, foreign students with "study abroad" and "study abroad" visas. Universities, short-term college students and junior college students with "study abroad" visas are required to work within 4 hours a day (or no more than 28 hours a week), but they are allowed to work 8 hours a day during the summer vacation from July/KLOC-0 to August 3/KLOC-0. In the "study abroad" visa, college students, graduate students (before entering the master's degree), or college students or short-term students are more restricted. Generally, they are only allowed to work 2 hours a day (or less than 14 hours a week), but as mentioned above, they are allowed to work 8 hours a day during the summer vacation from July 1 day to August 3 1 day. Language school students with "study" visas are required to work within 4 hours a day (or 28 hours a week).

Family conditions are not good. How to study in Australia depends on the approximate study budget. At present, the annual cost of studying abroad in Australia is around 220,000-250,000. Consider going to third-and fourth-tier cities in Australia, where the cost of living is lower. You can earn some living expenses by working again, and your family can bear the tuition of 654.38+ 10,000 yuan. It is legal to work while studying in Australia.

Are there any graduate students who have studied in Britain or America for more than one year? I have been in England for 12 years. You can leave a message in my knowledge if you have any questions.

After finishing junior high school, I want to go to England or America to study in senior high school. Family conditions are average. What are the requirements for applying for studying abroad?

First of all, English scores, such as SLEP, TOEFL or SSAT, depend on the requirements of the school you want to apply for.

And yours.

When you are old, it is no problem to be at least 14 years old in high school.

Ok, a better school may require a grade of over 90 or 10%.

Bank's family financial certificate, passport, parents' application self-report (that is, an explanation for you, nothing more than proof that you can go out and complete your studies independently)

The school you apply for will also give you an interview, either by phone or by skype.

Letter of recommendation (there may be three in high school, and your English teacher, math teacher and head teacher or principal will each write a letter of recommendation for you).

Your own self-report

If you want to know about American high schools, you can go to Migao. Com have a look and compare them one by one.

Hope to adopt you