Let me help you solve it.
1. If you study in Korea, the loan is not cost-effective. Because the cost in Korea is already very low, if you still need a loan, don't go.
2. What province do you want to apply for your ID card? What province is your God's address?
3. China Bank has loan business for international students. If you give them 10000 RMB, they can lend you 100000 RMB. The maximum loan is 500,000 RMB.
The loan of China Bank can only be borrowed for a few years at most. You can visit their website.
product name
Foreign exchange loan for studying abroad
product description
I. Purpose of the loan
The borrower can only use this loan for tuition and living expenses of secondary schools, universities and master's and doctoral degrees approved abroad, or for issuing corresponding credit certificates.
Second, the loan term.
The loan term is generally one to six years, and the longest is not more than ten years (including ten years). The specific period is determined according to the borrower's schooling and the nature of the guarantee.
Three. Loan currency: USD (richer currencies will be introduced at the right time).
Fourth, the maximum loan amount.
In principle, the loan amount shall not exceed 90% of the total amount of tuition and fees, living expenses and accompanying students' living expenses required by the educated during their school days.
Verb (abbreviation for verb) loan interest rate
The loan interest rate is priced according to the foreign exchange loan interest rate (floating), which is more favorable than the RMB loan interest rate.
The guarantee mode of intransitive verbs
Mortgage, pledge, third-party guarantee and insurance are acceptable.
Seven. make loans
According to the customer's needs, it can be directly transferred to the account of China Bank's overseas branch, and transferred to the school (tuition part) and the student loan account (living expenses part) respectively.
Eight. Repayment method
Entrust others in China to repay the loan on their behalf; The repayment method is remittance abroad.
Nine, the repayment grace period
The lender can give the borrower a certain grace period (the grace period is limited to the borrower's study period at school), during which he only pays interest and does not repay the principal. The educatee will make a repayment plan with the lender from the next month after obtaining the graduation certificate, that is, the principal and interest must be repaid monthly. The longest grace period is 4 years.
Applicable object
Any China citizen who has full capacity for civil conduct and has a permanent residence in China can apply for a foreign exchange loan for studying in China Bank. Customers can choose students themselves as borrowers according to their own needs, and they can also choose students' parents or legal guardians as borrowers. If the actual user is under the age of 18, the legal guardian shall be the borrower.
Submit information
1. The borrower himself or * * together with the original ID card, residence booklet or other valid residence certificate of the borrower and the valid identity certificate of the educated person, and provide copies of the above-mentioned documents;
2. Proof that the borrower or his family members recognized by the lender have a fixed occupation and stable economic income;
3. The admission notice or the admission notice of the educated school, and the relevant materials of the total tuition and fees and living expenses required by the students during their study period issued by the school (or the corresponding certification materials provided by the cooperative intermediary institutions);
4. If the property is mortgaged (pledged), it shall provide valid mortgage and pledge certificate and a letter of commitment or statement signed by the person who has the right to dispose of it (including the property owner) agreeing to mortgage (pledge). Collateral needs to submit the value evaluation report issued by the competent department, pledge needs to provide proof of rights, and third-party guarantee needs to provide written documents and relevant credit proof materials that the guarantor agrees to undertake irrevocable joint and several liability guarantee;
5. The borrower, the repayment party and the guarantor shall personally issue and sign a written authorization to allow the bank to inquire about their personal credit reports;
6. Other supporting documents and materials required by the lender.
Hehe, it's from the website of Bank of China, but I hope you like it.
Second, about the loan for studying in Korea?
1. If you study in Korea, the loan is not cost-effective. Because the cost in Korea is already very low, if you still need a loan, don't go.
2. What province do you want to apply for your ID card? What province is your God's address?
3. China Bank has loan business for international students. If you give them 10000 RMB, they can lend you 100000 RMB. The maximum loan is 500,000 RMB.
The loan of China Bank can only be borrowed for a few years at most. You can visit their website.
product name
Foreign exchange loan for studying abroad
product description
I. Purpose of the loan
The borrower can only use this loan for tuition and living expenses of secondary schools, universities and master's and doctoral degrees approved abroad, or for issuing corresponding credit certificates.
Second, the loan term.
The loan term is generally one to six years, and the longest is not more than ten years (including ten years). The specific period is determined according to the borrower's schooling and the nature of the guarantee.
Three. Loan currency: USD (richer currencies will be introduced at the right time).
Fourth, the maximum loan amount.
In principle, the loan amount shall not exceed 90% of the total amount of tuition and fees, living expenses and accompanying students' living expenses required by the educated during their school days.
Verb (abbreviation for verb) loan interest rate
The loan interest rate is priced according to the foreign exchange loan interest rate (floating), which is more favorable than the RMB loan interest rate.
The guarantee mode of intransitive verbs
Mortgage, pledge, third-party guarantee and insurance are acceptable.
Seven. make loans
According to the customer's needs, it can be directly transferred to the account of China Bank's overseas branch, and transferred to the school (tuition part) and the student loan account (living expenses part) respectively.
Eight. Repayment method
Entrust others in China to repay the loan on their behalf; The repayment method is remittance abroad.
Nine, the repayment grace period
The lender can give the borrower a certain grace period (the grace period is limited to the borrower's study period at school), during which he only pays interest and does not repay the principal. The educated should make a repayment plan with the lender in the month after getting the diploma, that is, they must repay the principal and interest on a monthly basis. The longest grace period is 4 years.
Applicable object
Any China citizen who has full capacity for civil conduct and has a permanent residence in China can apply for a foreign exchange loan for studying in China Bank. Customers can choose students themselves as borrowers according to their own needs, and they can also choose students' parents or legal guardians as borrowers. If the actual user is under the age of 18, the legal guardian shall be the borrower.
Submit information
1. The borrower himself or * * together with the original ID card, residence booklet or other valid residence certificate of the borrower and the valid identity certificate of the educated person, and provide copies of the above-mentioned documents;
2. Proof that the borrower or his family members recognized by the lender have a fixed occupation and stable economic income;
3. The admission notice or the admission notice of the educated school, and the relevant materials of the total tuition and fees and living expenses required by the students during their study period issued by the school (or the corresponding certification materials provided by the cooperative intermediary institutions);
4. If the property is mortgaged (pledged), it shall provide valid mortgage and pledge certificate and a letter of commitment or statement signed by the person who has the right to dispose of it (including the property owner) agreeing to mortgage (pledge). Collateral needs to submit the value evaluation report issued by the competent department, pledge needs to provide proof of rights, and third-party guarantee needs to provide written documents and relevant credit proof materials that the guarantor agrees to undertake irrevocable joint and several liability guarantee;
5. The borrower, the repayment party and the guarantor shall personally issue and sign a written authorization to allow the bank to inquire about their personal credit reports;
6. Other supporting documents and materials required by the lender.
3. Can I get a loan to study in a Korean university?
You should ask the bank that you need to apply for a loan for studying abroad. The bank's main consideration is your repayment ability. Of course, going to a top university will be more recognized.
Fourth, about the loan for studying in Korea.
Let me help you solve it. 1. If you study in Korea, the loan is not cost-effective. Because the cost in Korea is already very low, if you still need a loan, don't go. 2. What province do you want to apply for your ID card? What province is your God's address? 3. China Bank has loan business for international students. If you give them 10000 RMB, they can lend you 100000 RMB. The maximum loan is 500,000 RMB. The loan of China Bank can only be borrowed for a few years at most. You can visit their website. Product name Product description 1. Loan Purpose The borrower can only use this loan for tuition, miscellaneous fees and living expenses of secondary schools, universities and master's and doctoral degrees approved abroad or for opening corresponding credit certificates. Two, the loan period is generally one to six years, the longest not more than ten years (including ten years). The specific period is determined according to the borrower's schooling and the nature of the guarantee. Third, the currency of the loan: USD (more currencies will be introduced when appropriate) Fourth, the maximum amount of the loan. In principle, the maximum loan amount shall not exceed 90% of the total tuition and fees and living expenses required by the educated during their school days and the living expenses of accompanying students. V. Loan interest rate The loan interest rate is set according to the foreign exchange loan interest rate (floating), which is more favorable than the RMB loan interest rate. The guarantee method of intransitive verbs can accept mortgage, pledge, third-party guarantee, insurance and other guarantee methods. Seven, according to customer demand, the loan can be directly transferred to the overseas branch account of Bank of China, respectively, to the school (tuition) and the borrowing student account (living expenses). 8. Repayment channels entrust others in China to repay on their behalf; The repayment method is remittance abroad. Nine. Repayment grace period The lender may give the borrower a certain grace period (the grace period is limited to the borrower's study period at school), during which only the interest is repaid, but not the principal. The educatee makes a repayment plan with the lender the next month after obtaining the graduation certificate, that is, the principal and interest must be repaid monthly. The longest grace period is 4 years. Applicable object Any China citizen who has full capacity for civil conduct and has a fixed residence in China can apply for a foreign exchange loan for studying in China Bank. Customers can choose students themselves as borrowers according to their own needs, and they can also choose students' parents or legal guardians as borrowers. If the actual user is under the age of 18, the legal guardian shall be the borrower. Submit information 1. The original ID card, household registration book or other valid residence certificate of the borrower or * * * and the valid identity certificate of the educated person, and provide copies of the above documents; 2. Proof that the borrower or his family members recognized by the lender have a fixed occupation and stable economic income; 3. The admission notice or the admission notice of the educated school, and the relevant materials of the total tuition and fees and living expenses required by the students during their study period issued by the school (or the corresponding certification materials provided by the cooperative intermediary institutions); 4. If the property is mortgaged (pledged), it shall provide valid mortgage and pledge certificate and a letter of commitment or statement signed by the person who has the right to dispose of it (including the property owner) agreeing to mortgage (pledge). Collateral needs to submit the value evaluation report issued by the competent department, pledge needs to provide proof of rights, and third-party guarantee needs to provide written documents and relevant credit proof materials that the guarantor agrees to undertake irrevocable joint and several liability guarantee; 5. The borrower, the repayment party and the guarantor shall personally issue and sign a written authorization to allow the bank to inquire about their personal credit reports; 6. Other supporting documents and materials required by the lender. Hehe, it's from the website of Bank of China, but I hope you like it.