You can apply for loans to study abroad. The bank has launched a loan for studying abroad, and users can apply as long as they meet the loan conditions. To apply for a study abroad loan, you need to provide collateral recognized by the bank or a third-party guarantee, but you can't apply for a study abroad loan with good credit. As for the successful loan application, it is necessary to repay the loan according to the contract.

Can I get a loan to study abroad

You can apply for a loan for studying abroad. The loan for studying abroad refers to the foreign exchange consumption loan issued by the bank to overseas students or their immediate family members or spouses to pay tuition and fees for studying abroad and living expenses. Nowadays, in addition to studying abroad loans, foreign currency traveler's checks are also a convenient way of remittance payment. Traveler's check refers to a fixed denomination bill issued by domestic commercial banks, printed by overseas banks or professional financial institutions, with the issuer as the final payer and the freely convertible currency as the pricing and settlement currency.

To apply for a loan for studying abroad, the following materials are required:

1. Original and photocopy of the applicant's ID card, household registration book or valid residence certificate issued by the competent department;

2. The admission notice, admission notice, other valid admission certificates and relevant necessary expenses certificates issued by the overseas study institution, as well as my academic credentials;

3. It is necessary to provide a China citizen with full civil capacity as the borrower's domestic agent, and provide his domestic agent's ID card, residence certificate, address and contact information;

4. If the loan is mortgaged or pledged by property, the ownership certificate of the mortgaged property or the original certificate of the pledged property and the certificate that the authorized person (including the property owner) agrees to mortgage or pledge shall be provided, and when necessary, the appraisal certificate of the mortgaged (pledged) property issued by the competent department shall be provided;

5. Other materials required by the lending bank to be provided by the lender studying abroad.

The definition of traveler's checks:

Traveler's checks refer to special checks issued by banks or travel agencies for the convenience of tourists or business travelers. Western countries have developed tourism and it is profitable to handle traveler's checks, so banks and travel agencies in western countries widely provide this kind of business. In order to prevent fraudulent use and ensure safety, travelers' checks must be signed twice. The specific procedures are as follows: when buying traveler's checks from the issuing bank, you must sign them yourself, which is called "initial signing"; When you arrive at your destination to withdraw cash from the local bank, you must sign the check in person, and you can only withdraw cash after the two signatures are verified.

Can I apply for a loan to study abroad?

You can get a loan for studying abroad, but you need to meet the loan conditions.

Age 1. 18, you can register in person. /kloc-under the age of 0/8, you need to apply for a loan from the relatives or guardians of the educated.

2. Have full capacity for civil conduct and China nationality.

3. There is an admission notice or other valid admission certificate issued by the school studying abroad.

4. Good credit and no illegal acts.

5. Can provide bank-approved real estate mortgage.

1. The loan for studying abroad refers to the foreign exchange consumption loan issued by the bank to international students or their immediate family members or spouses to pay tuition fees, miscellaneous fees and living expenses for studying abroad. The loan amount for studying abroad shall not exceed the sum of the registration fee, tuition, living expenses and other necessary expenses equivalent to RMB within one year specified in the admission notice or other valid admission certificates for studying abroad, with a maximum of 500,000 yuan. Overseas students can choose unsecured mortgage loans and unsecured personal consumption loans. Providing application materials is simple. You only need ID card, proof of income, proof of work and proof of loan use to apply.

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 certificate-based government bonds is 90%, and the pledge rate of the bank's certificates of deposit or certificate-based government bonds pledged by other banks or other pledges depends on the value of the pledged goods, but does not exceed 80% of the total tuition and fees;

3. If a loan is applied in the form of a third-party guarantee, the 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%.

Two. Loan procedure

A borrower applying for a student loan shall submit a written loan application to the lender, fill in the relevant application form, and submit the following documents and supporting materials:

1. The original ID card, household registration book or other valid residence certificate of the individual and spouse, and the valid identity certificate of the educated person. If you are studying in an overseas school, you should show the original passport or pass of the educated person and provide a copy for the record;

2. In principle, there should be a certificate of guardianship between the borrower and the educated person and a birth certificate of the educated person notarized by the national notary department;

3. Proof that the borrower confirmed by the lender has a fixed occupation and stable economic income;

4. The admission notice issued by the school, and the proof materials of the total amount of tuition and fees required by the students during their study period issued by the school;

5. If the property is mortgaged or pledged, a list of mortgaged property and pledged property shall be provided, as well as 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. Collateral shall submit the value evaluation report issued by the relevant departments and the insurance documents of the insurance department, and provide proof of the rights of the collateral. If a third party provides a guarantee, it shall issue a written document and relevant credit certification materials of the guarantor's consent to the guarantee;

6. Original and photocopy of personal savings passbook or credit card opened at the lender.

You can get a loan to study abroad.

May I ask if I can get a loan to study abroad? Yes, you can.

The loan for studying abroad refers to the foreign exchange consumption loan issued by the bank to overseas students or their immediate family members or spouses to pay tuition and fees and living expenses for studying abroad.

The loan amount for studying abroad shall not exceed the sum of the registration fee, tuition, living expenses and other necessary expenses within one year specified in the admission notice or other valid admission certificates of foreign study schools, and the maximum amount shall not exceed RMB 500,000.

Can I borrow money to study abroad?

1. You can apply for a study abroad loan, but you need to meet the loan conditions:/kloc-you can apply in person if you are over 0/8 years old, and/kloc-you need relatives or guardians of the educated to apply for a loan if you are under 0/8 years old;

2. Have full capacity for civil conduct and have China nationality;

3. There are admission notices or other valid admission certificates issued by overseas study schools;

4. Good credit and no illegal acts;

5. Property mortgage, pledge or third-party guarantee recognized by the bank can be provided;

6. Other conditions required by the bank.