Unscramble the problem of studying abroad loan in France
Loans for studying abroad have advantages and disadvantages.
For every student who wants to go abroad, the loan for studying abroad is of great help to prove the funds. If students' family funds are not deposited in the bank for a long time, it is difficult for most families to issue a one-time deposit certificate of 400,000 yuan before going abroad. With the bank as a guarantee, this problem will be solved. The bank lends money to the applicant, so the immigration bureau can trust the applicant's financial ability. For many students who have no long-term deposit certificate at home, the bank certificate has solved the problem of "unclear explanation" to the immigration bureau in the past. More and more applicants are learning to use loans. The main reason is not that they have no financial strength, but that a large number of bank deposits do not have such a long history.
However, the loan for studying abroad also has some disadvantages. For example, if you go to New Zealand to study for an undergraduate or master's degree for three or four years, the loan interest is not small, and this policy in New Zealand stipulates that students must make up their minds to terminate their studies before they can stop lending. This rule is not good for those who study abroad for a long time. It is recommended that students studying in 1+ 1 courses or short-term courses apply for loans, so that the repayment pressure will be relatively less.
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. Getting a loan for studying abroad is not directly related to getting a visa, but an important aspect of the application materials.
Conditions that applicants for studying abroad loans need to meet.
Generally speaking, there are a wide range of people who are suitable for applying for loans. According to the introduction of the relevant departments of the bank, the borrower who applies for studying abroad loan must be a China citizen with full capacity for civil conduct, have legal identity documents, provide the admission notice or admission notice of the school, and provide proof materials for the tuition and miscellaneous living expenses required by the school during the study period. It is also necessary to provide a third-party borrower (usually the borrower's parents) who is recognized by the lender as an asset mortgage, pledge or has compensatory ability and bears joint and several liabilities, and the borrower has paid a certain proportion of the expenses required by the educated. At the same time, it is also necessary to implement other loan conditions stipulated by the lender and provide relevant documents and materials for pledge.