Loan purpose: used for tuition and living expenses of individuals studying abroad or studying MBA, MPA and other high-end vocational education on the job.
Loan amount: The maximum loan amount for a single household shall not exceed 6,543,800 yuan.
Loan term: "study time+1 year".
Loan interest rate: it is subject to the loan interest rate regulations of China Construction Bank.
Guarantee mode: Yi Xue loan can be mortgaged, pledged, credited or a combination of mortgage and pledge.
Repayment methods: including equal principal and interest method, average capital method, one-time principal and interest repayment at maturity, and any scheduled principal and interest repayment. If the loan term is more than one year, the monthly repayment method of equal principal and interest or the monthly repayment method of average capital must be adopted.
2. China Industrial and Commercial Bank?
The highlight of ICBC's study abroad loan is its high loan amount, up to 2 million yuan and long term.
High loan amount: the maximum loan amount for withdrawing personal study abroad loans is 2 million yuan; The maximum amount of non-drawable personal loan for studying abroad is 6,543,800 yuan.
Long loan term: the longest loan term can reach 10 year.
There are various forms of guarantee: mortgage, pledge, guarantee, etc.
Flexible loan granting method: the loan can be granted in one lump sum at the time of initial application, or in installments according to the payment period of the borrower's tuition, accommodation and living expenses.
Comprehensive services: in combination with the loan for studying abroad, it provides supporting services such as credit certificate, individual purchase of foreign exchange, settlement of foreign exchange, witness account opening, overseas account opening and international credit card handling.
3. China Construction Bank?
Loan purpose: used for tuition and living expenses of individuals studying abroad or studying MBA, MPA and other high-end vocational education on the job.
Loan amount: The maximum loan amount for a single household shall not exceed 6,543,800 yuan.
Loan term: "study time+1 year".
Loan interest rate: it is subject to the loan interest rate regulations of China Construction Bank.
Guarantee mode: Yi Xue loan can be mortgaged, pledged, credited or a combination of mortgage and pledge.
Repayment methods: including equal principal and interest method, average capital method, one-time principal and interest repayment at maturity, and any scheduled principal and interest repayment. If the loan term is more than one year, the monthly repayment method of equal principal and interest or the monthly repayment method of average capital must be adopted.
4. Bank of China?
Bank of China provides "one deposit and nine loans" as a margin loan. For example, if you deposit RMB 6,543,800+in China Bank, you can borrow RMB 900,000, and then get a deposit certificate of RMB 6,543,800+0,000.
deadline
Tuition, transportation and living expenses can be used up to 10 years (inclusive). The maximum use period of study abroad deposit shall not exceed the borrower's study period.
loan currency
Rmb, USD, JPY, EUR, GBP, HKD, AUD and CAD.
Maximum loan amount
The purpose of the loan is to pay tuition and fees, transportation expenses and living expenses, and the maximum amount shall not exceed 80% of the sum of all the expenses required for the educated to study abroad.
Tuition and miscellaneous fees are subject to the valid certificate issued by the school, and the amount of living expenses and transportation expenses is approved according to the countries and regions studying abroad, and the maximum amount can reach RMB or equivalent foreign currency1.20,000-200,000 yuan/year. The maximum deposit for studying abroad can reach 6.5438+0.5 million yuan or equivalent foreign currency.
loan rate
The loan interest rate adopts the method of "benchmark+floating/plus point". Renminbi loans are based on the interest rate announced by the People's Bank of China. Foreign currency loans are based on the international financial market interest rate or the official interest rate issued by the relevant countries, and are determined according to the loan currency.
Grace period for repayment
The lender may grant the borrower a certain grace period, and the longest grace period for individual study abroad loans shall be 2 years, which shall not exceed the schooling years of the educated. During the grace period, only interest is paid, not principal. The borrower shall repay the loan principal and interest on schedule as agreed in the contract from the next month after the expiration of the grace period.
5. The study abroad loan business of CITIC Bank.
Rmb loan used to pay tuition and living expenses during studying abroad, or the deposit required in the process of applying for studying abroad visa.
The maximum loan amount of real estate mortgage can reach 90% of the value of collateral, 95% of the value of pledge, and the credit guarantee is 6.5438+0.5 million yuan. The term can be as long as 30 years; You can choose to use it once or in stages.
Baidu encyclopedia-study abroad loan