I'm sure I will. Try to get out of debt.

2. Will China Bank use less loans and more study visas?

The loan for studying abroad has nothing to do with obtaining a visa, and the loan itself will not affect the visa result.

Because the loan has proved that the applicant has certain assets and certain conditions for going abroad, 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.

1. 1 application conditions for studying abroad loans

(1) The lender's loan is used for the tuition and living expenses of international students.

(2) The age of the lender should not exceed 55 years old on the loan maturity date.

1.2 application materials for studying abroad loan

(1) Valid identification, show the 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 shall be provided, and a consent signed by the person who has the right to dispose of the property (including the property owner) shall be provided.

A promise or statement. 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 studying abroad loans

The borrower shall have full capacity for civil conduct, and the actual age of the loan due date shall not exceed 55 years old.

1.4 study abroad loan interest rate

Loan Term Annual Interest Rate (%)

Within one year, including 5.85 per year.

One year to three years, including three years 5.94

Three to five years, including five years.

Five to six years 6.2 1

Note: within one year, the loan will be paid off in one lump sum; For loans of more than one year, the principal and interest shall be repaid equally every six months.

1.5 loan amount for studying abroad

It shall not exceed the sum of the equivalent RMB of the registration fee, tuition fee, living expenses and other necessary expenses within one year specified in the admission notice of the school studying abroad or other valid admission certificates, with a maximum of RMB 500,000, and the term is generally 1 ~ 6 years, with a maximum of 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 amount of deposit 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 is either big or big.

The embassy requires students to provide a deposit of 200,000 yuan, and 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 you a deposit certificate with a certain maturity of 200,000 yuan, which can be used to fill in financial statements and visa certificates. The loan interest rate fell by 5% according to the national benchmark interest rate for the same period. When making a loan,

According to the actual needs of borrowers. 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 to sign a bill.

Certificate to determine the ability to go to school after processing. 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 Relationship between studying abroad loan and obtaining visa

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?

The guarantee of studying abroad is generally solved by providing "proof of deposit record" and "study abroad loan". The deposit method is to deposit a specified amount of deposit in the name of the applicant and its legal guarantor (including the applicant's parents).

Grandparents and grandparents can submit it to the consulate as a guarantee. The loan for studying abroad refers to the comprehensive consumer mortgage loan for ordinary individuals, and the lender can obtain the loan with real estate, certificates of deposit, etc. As collateral. study abroad

Students can fill in the loan application form with ID card, school admission notice and mortgage guarantee information, and then go to the embassy for pre-visa with personal study loan notice. After success, they can go through formal loan procedures.

3. What are the chances that the bank will sign the IOU in person?

After face-to-face mortgage, the pass rate is over 90%.

After the mortgage is signed face to face, it can generally be passed. Many people think it can be passed, but this is not the case. Moreover, after the mortgage was signed in person, there were also cases of rejection.

When applying for a mortgage, the bank will check the lender's credit information. The average bank will check the loan records within five years and the credit card records within two years. If it is overdue for three consecutive times or accumulated for six times, it is a serious credit failure, and the bank will directly refuse it.