You can apply for a loan for studying abroad, but each bank, even the same bank in different regions, has different specific conditions and procedures, so you need to consult the local bank.

Second, how to handle the deposit loan for studying abroad?

Hello, Bank of China/China Everbright Bank now has the business of studying abroad margin loan, which is almost based on less loans and more loans.

For example, a deposit of 6.5438+0.00 million and a loan of 200,000 can only be made as certificates of deposit, and the interest rate is not high, about 20% to 30%.

Take China Bank as an example, you can apply directly from the offline bank, or you can apply for a study loan from China Bank online through studypayment. Just go to the bank to get it, which is more convenient and faster!

3. Is it easy to apply for a loan for studying in Korea?

For ordinary people, studying abroad is expensive. Can I apply for student loans if I want to study abroad? Of course, the study abroad fever will continue to heat up, and banks will naturally strike while the iron is hot. At present, many domestic banks can handle the loan business for studying abroad.

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.

A third-party guarantor who provides mortgage, pledge or compensation assets recognized by the bank and assumes joint and several liabilities;

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

7. Other loan conditions stipulated by the bank.

Loan amount: 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 800,000 yuan.

Loan term: the loan term is 1- 10 years, and the longest loan term varies from bank to bank.

Nature of loan: Generally, the loan for studying abroad needs mortgage or pledge, which belongs to mortgage loan. At the same time, it has the nature of student loan, and usually needs family members as the same borrower.

4. Is it easy to apply for a loan for studying abroad?

When issuing loans for studying abroad, banks usually ask borrowers to explain the purpose of the loans in detail. So when you apply for a loan, you must clearly point out that the purpose of the loan is only to study abroad. Then in this case, the possibility of obtaining loan approval will be higher. When you apply for a loan for studying abroad, you usually need to provide a guarantor with repayment ability, so when you apply for a loan, the guarantor must also be present and have the corresponding agreement signed and sealed. Overseas students need an agent in China if they want to borrow money by themselves, so the agent must be present at the time of loan and sign and seal the loan contract. Under normal circumstances, banks will investigate the credit information of borrowers when lending. In addition, studying abroad will also take the issue of credit information very seriously, so we must pay attention to this aspect in our daily life. The application conditions for studying abroad loans should have full capacity for civil conduct. The actual age of the loan maturity date cannot exceed 55 years old. You should hold the admission notice of the school where you plan to study abroad, or other valid admission certificates and the passport of the entry visa of the country where you study abroad. Should have permanent residence or other valid residence status in the controllable area, and have a fixed residence, stable occupation and income source. The sum of tuition, living expenses and other expenses within one year of the loan amount and fixed number of years shall not exceed 500,000 yuan at the maximum and 6 years at the longest, including 6 years. And the amount of the loan for studying abroad is written on the admission notice of the school for studying abroad. Type of guarantee mortgage for studying abroad loan 1. Real estate mortgage: the maximum loan amount is 60% of the value of collateral recognized by the lender, and this ratio cannot be exceeded. 2. Pledge (one kind of national debt, the other is the deposit certificate mortgage of the bank): the maximum loan amount is 80% of the value of the pledged property, which cannot be exceeded. 3. Credit guarantee: The joint and several liability guarantee is mainly provided by a third party. If the guarantor is a legal person recognized by the bank, it can be paid in full. If it is a natural person recognized by the bank, the maximum loan amount cannot exceed RMB 200,000. Legal basis: Article 4 of the Operating Rules for National Student Loan of Bank of China must meet the following conditions to apply for a national student loan: (1) A natural person with full capacity for civil conduct (minors must have the written consent of their legal guardians); (2) Having valid residence identity documents and school registration certificates; (3) It meets the learning and behavior standards required by the lender and has no bad credit behavior; (four) the school signed a cooperation agreement with China Bank; (five) recommended by the school, and at least one witness; (6) Other conditions stipulated by the lender.