1. 1 application conditions for studying abroad loan (1) The lender's loan is used for tuition and living expenses of overseas students (2) The lender is not over 55 years old on the loan maturity date. 1.2 valid identification of application materials for studying abroad loan (1), show your original passport and provide a copy for the record; (2) the school's admission notice, the school issued by the total amount of tuition and fees required by students during their study; If the loan is issued according to the academic year, you should show the tuition and fees certificate for the next year before the end of each academic year. (3) If the property is mortgaged or pledged, a list of mortgaged property and pledged property and a letter of commitment or statement signed by the person who has the right to dispose of the property (including the property owner) agreeing to mortgage and pledge shall be provided. For the mortgaged property, submit the value evaluation report issued by the relevant department and the insurance documents of the insurance department; for the pledged property, provide the right certificate. Where the guarantee is provided by a third party, a written document of the guarantor's consent to the guarantee and relevant credit certification materials shall be issued. 1.3 Age limit for study abroad loans The borrower should have full capacity for civil conduct, and the actual age of the loan due date should not exceed 55 years old. 1.4 the annual interest rate of the loan for studying abroad (%) is less than one year, including one year, 5.85 to three years, including three years, 5.94 to five years, including five years, 6.2 1 Note: the loan is paid off in one lump sum within one year; For loans of more than one year, the principal and interest shall be repaid equally every six months. 1.5 The amount of the loan for studying abroad shall not exceed the sum of the equivalent RMB of the registration fee, tuition, living expenses and other necessary expenses within one year stated in the letter of admission to the school for studying abroad or other valid admission certificates, and the maximum amount shall not exceed RMB 500,000. The term is generally 1 ~ 6 years, and the maximum period shall not exceed 6 years. 1.6 margin loan and study abroad loan for international students who have not set foot in a foreign country, they should not only prepare tuition and living expenses for the first semester, but also provide a certain margin to prove their ability to complete their studies. According to the requirements of most embassies, the money used as a guarantee must be deposited in the bank with a certificate of more than 6 months. If the deposit does not reach the specified amount, then you can only apply for a margin loan. In fact, the margin loan will not give the applicant any cash, but just a bank deposit certificate, which proves that you have the required amount of deposit and have the ability to complete your studies. Take the Bank of China as an example. Suppose the school or embassy requires students to provide a deposit of 200,000 yuan, then students can apply to the bank. The premise is that you open an account in China Bank and have a deposit of more than 654.38+00000 yuan for 6 months. Then the bank will contact the relevant guarantee institutions and issue a deposit certificate with a certain maturity of 200,000 yuan for you to fill in the financial statements and visa certificate. The loan interest rate falls by 5% according to the national benchmark interest rate for the same period, and the loan time is determined according to the actual needs of the borrower. For international students who go abroad, a big difference between deposit loan and study abroad loan is that the deposit certificate is mainly used to apply for a visa, while the study abroad loan is applied after obtaining a visa and confirming that they can go to school. Because some countries, such as the United States, still don't accept the deposit certificate of mortgage loan certificate, banks provide convenience for international students through this business. 1.7 the relationship between studying abroad loans and obtaining visas; The loan for studying abroad has nothing to do with obtaining a visa. The loan itself will not affect the visa result, because the loan can prove that the applicant has certain assets and certain conditions for going abroad, and the visa officer focuses on the repayment ability of the guarantor. Therefore, the authenticity, rationality and feasibility of repayment ability and plan certification materials are the key to determine the success or failure of loan visa application. 1.8 how to handle the guarantee mortgage for studying abroad? Generally, study abroad guarantee is provided in two ways: "proof of deposit record" and "study abroad loan"/p > 1.9 Collateral guarantee method for studying abroad loan (1) Property mortgage: the maximum loan amount shall not exceed 60% of the value of collateral recognized by the lender; (2) Pledge: The maximum loan amount shall not exceed 80% of the value of the pledged property. (3) Credit guarantee: If a third party provides joint and several liability guarantee, and the guarantor is a legal person recognized by the bank, it can pay in full; If it is a natural person recognized by the bank, the maximum loan amount shall not exceed 200,000 yuan.