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.

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".

3. China CITIC 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.

4. China Merchants Bank

The borrower can be an international student himself or a relative of an international student. They can use real estate as collateral, or they can use savings time deposits, national debt, entrusted wealth management products and so on as collateral to borrow money. They can open the function of revolving credit, and the loan amount can be recycled. The procedure is simple, and all branches of China Merchants Bank can accept it.

5. China Industrial and Commercial Bank

China Industrial and Commercial Bank's loan for studying abroad refers to the RMB loan used to pay the tuition and fees and living expenses required by the borrower or his immediate family members during their study abroad; Non-withdrawal loan for studying abroad refers to the RMB loan used to go through the formalities of studying abroad or accompanying students of the borrower or his immediate family, and approved by the relevant embassy or consulate.

6. China Everbright Bank

If the deposit period of self-owned funds of international students or their guarantors is less than 6 months or their own funds are insufficient, their close relatives can apply to China Everbright Bank for a study abroad loan to pay for the necessary expenses such as tuition and basic living expenses for studying in Australia and Ireland.