1. Personal loan for studying abroad for the purpose of paying tuition and fees, transportation expenses and living expenses:

(1) Loans used to pay tuition and miscellaneous fees can be paid in one lump sum or in installments according to the needs of the borrower and the educational system of the educated; According to the borrower's withdrawal application and entrustment (remittance application) and the charging requirements of overseas universities, the lender transfers it to the designated account of overseas universities by entrusted payment; Overseas colleges and universities do not accept remittance to pay tuition fees, and if they meet the conditions of independent payment, they can transfer the money to the account opened by the borrower in China Bank or overseas branches, and the lender will supervise the use.

(2) Loans used to pay living expenses and transportation expenses can be paid in one lump sum or monthly/quarterly/semi-annual/academic year according to the needs of borrowers. Among them, those who meet the conditions of entrusted payment must be entrusted with payment; If the conditions for independent payment are met, the money can be transferred to the account opened by the borrower in the domestic or overseas branches of China Bank, and the lender will supervise the use.

(3) If the borrower pays by itself, the lender will make an agreement with the borrower in advance, requiring the borrower to report or inform the lender of the disbursement of loan funds on a regular basis and submit payment vouchers. One-time withdrawal, the borrower shall submit the tuition and fees payment voucher and transportation fee certificate at least according to the academic year. The lender will check whether the loan payment meets the agreed purpose through account analysis, voucher inspection or on-site investigation.

2. Personal study loan with study abroad deposit as loan purpose. After the lender issues the loan to the account of the borrower or the educated person, it is required to freeze the account, and the freezing period shall cover the loan period. After the freezing is completed, the lender can issue a personal loan certificate for studying abroad according to the needs of customers.

Due to the differences in business in individual regions, please consult the acceptance outlets or transfer to manual service for details.

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.