Loan objects and conditions: the educated person himself, the educated person’s immediate family member or the educated person’s legal guardian. If the educated person is under 18 years old, his or her immediate family member or legal guardian should be the borrower and meet the following conditions:

1. Personal study abroad loan for the purpose of paying tuition and miscellaneous fees, transportation expenses, and living expenses , the educated should hold admission notices and other admission certification materials issued by overseas higher education institutions recognized by the Ministry of Education of China (including comprehensive universities, higher professional colleges, higher vocational and technical colleges, language schools, etc.). For those who are already studying, Educators should provide valid proof of enrollment (including student ID, valid study visa, etc.).

The purpose of the loan is a personal study abroad loan as a deposit for study abroad. The school where the educated person attends can be an overseas (including Hong Kong, Macao and Taiwan) middle school and an overseas higher education institution recognized by the Ministry of Education of China.

2. Must have the nationality of the People's Republic of China and hold legal identity documents (referring to resident ID card or temporary resident ID card, household registration book, military ID card, armed police ID card, etc.) And have a fixed residence in China.

3. Be over 18 years old and have full capacity for civil conduct.

4. Have a stable source of income and the ability to repay the principal and interest of the loan on time; if the borrower is an educated person and has no stable source of income, his or her relative with a stable source of income should be the first peer. The borrower must provide proof of valid kinship with the person being educated.

5. The borrower (including *** the same borrower, if any) and the guarantor (if any) have good credit status, and have no bad credit records with Bank of China and peers.

6. Laws, regulations, regulatory provisions and other conditions stipulated by the lender.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GO APP to handle related businesses.