If the funds for studying abroad are insufficient, you actually have three ways to consider.

One is to continue studying in China and help the family save money.

The second is to study in China and go abroad for postgraduate study after graduation. Because the postgraduate study time is short, it usually takes about 2 years, and some students graduate in 1- 1.5 years. Studying abroad will not depend on whether you are a fresh graduate or your specific age, but only on qualified application materials.

The third is the loan for studying abroad. Foreign universities rarely provide scholarships for international students, and most of them need our own loans to complete.

At present, China Bank, China Construction Bank, China Merchants Bank, Industrial and Commercial Bank, Shanghai Pudong Development Bank, China CITIC Bank, etc. You can apply for a loan for studying abroad. Each bank has different application conditions, quota, term, guarantee method and withdrawal method. It is recommended that formal admission is the best, but you can also ask the institutions that provide loans for studying abroad.

The general process of studying abroad loan will be:

1. The applicant prepares the materials and submits them to the bank, and fills in the Application Form for Studying Abroad.

2. After approval, the bank determines the loan amount, term and interest rate, and notifies the borrower.

3. Both parties sign a loan contract (if the borrower is an overseas student, his domestic agent must sign the contract at the same time).

4. The borrower shall go through the guarantee formalities at the bank and sign the guarantee contract. Where a guarantor is adopted, a natural person or legal representative as the guarantor shall be present and sign a guarantee contract.

5. Go through the notarization procedures (see the requirements of the bank)

6. I hope the loan will help you ~ If you have more questions and needs about studying abroad, such as school selection, major selection, application process and materials, visa preparation, internship, scholarship, study abroad life and tuition fees, etc.

Second, I have a question about the loan for studying abroad.

Loans are relatively fast, and there are generally fewer types. If you have enough funds, you can choose to borrow more, that is, you deposit a certain amount in the bank, and then the bank will issue a loan certificate for you in one form, so that your predecessor does not need to have a deposit history. Covering your whole study abroad period. For example, if you want to study abroad for 2 years, you need a loan for 2 years. After you get the visa, the bureau will ask you to repay the loan. At least many students I contact are like this. As for which banks can handle it, I have heard of China Bank, Shanghai Pudong Development Bank and China CITIC Bank. It seems that China Bank in Beijing can't do it, but Shanghai can. I have consulted them before. The telephone number is 021-50583118 and 2 127299 in Shenyang. If necessary, you can call for specific rates and so on. As for the processing stage, this should be easy to handle (as long as it is done before the visa is submitted, it will take effect immediately. As for interest, I think it's not good. It's about five to six. You'd better consult the bank for details. The mortgage rate of a loan varies according to the duration of the loan. For example, if the term is 3 years, you need to deposit 400 thousand. And the money you deposit in the bank also bears interest (you can deposit it for a fixed period). I hope I can help you.

3. How to apply for an interest-free student loan within five years?

2. Application process:

Students who apply for loans should apply for loans to their schools with their valid certificates before and after the start of the new school year 10 days (loan applications should be directly submitted to the relevant departments of their schools, and banks do not directly accept students' individual loan applications), receive the Application Form for National Student Loans, the Commitment Letter for Applying for National Student Loans and other related materials, and fill them out truthfully. According to the difficulties of students and the loan amount determined by the state, the school will examine the qualifications of students applying for loans, and after sending them to the handling bank for approval, the bank will sign a loan contract with the students. For some students whose families are particularly difficult and unable to provide guarantee, they can apply for loans for poor students. After the school reports to the student loan management department for examination and approval, the handling bank shall handle the loan formalities according to the regulations.

Fourth, about the loan for studying abroad

This is ok. Many schools can apply for financial aid, but the application requirement for financial aid is that you must get a score of 27 or above in the act exam before you can apply. If you apply for a student loan, Bian Xiao compiled a list of the conditions and materials needed for the student loan.

Borrower conditions

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 have a legitimate occupation, a stable and reliable source of income, good credit, and the ability to repay the principal and interest of the loan on schedule;

4. There is a school's "Admission Notice" or "Admission Notice"; There are certification materials issued by the school;

5. Provide a third-party guarantor who is recognized by the lender as an asset mortgage or pledge or has compensatory ability and bears joint and several liabilities;

6. The borrower shall bear a certain proportion of the expenses required by the educated.

Loan term, interest rate and limit

1. loan term: the loan term for education aid is generally 3 to 6 years, and the longest is not more than 10 year (including 10 year). The specific period is determined according to the borrower's schooling and the nature of the guarantee.

2. Loan interest rate: The student loan interest rate is the same as that stipulated by the People's 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 statutory interest rate is adjusted, the contract interest rate remains unchanged; If the loan term is more than one year, in case of legal interest rate adjustment, it shall be implemented according to the provisions of the People's Bank of China on interest rate adjustment.

3. Loan amount: In principle, the maximum loan amount shall not exceed 80% of the total tuition and fees. There are three ways of loan guarantee, namely mortgage, pledge and guarantee.

1. Where a house or other real estate is mortgaged to apply for a loan, the mortgage rate shall be 60% of the assessed value, but it shall not exceed 80% of the total tuition and fees;

2. The pledge rate of the bank's certificates of deposit or voucher-type government bonds as the pledge for the loan is 90%, and the pledge rate is determined according to the value of the pledge, but it does not exceed 80% of the total tuition and fees;

3. If a loan is applied by means of third-party guarantee, the maximum loan amount shall not exceed 70% of the total tuition and fees. If the bank or insurance company provides joint and several liability guarantee, it can be increased to 80%.