1. How do international students get foreign student loans in France?
1. What are the financial subsidies for international students?
If we encounter financial difficulties while studying in France, we can try to apply for a grant to help us study, rent a house and pay our daily expenses:
Scholarships or financial subsidies provided by the government or institutions for students: Erasmus scholarships, regional or city subsidies, and financial subsidies provided by schools, foundations or non-profit organizations for students. Although there are various financial subsidies, most of them are aimed at local French students or students from the European Union, and China students can hardly apply.
General bank student loans: student loans with relatively low interest rates lent by local banks in France help us complete our studies in France. The bank will determine the specific amount according to the student's personal situation and expenses. The advantage of this kind of loan is that students of any nationality can apply.
Second, how to get an international student loan in France?
French student loans need to meet some basic conditions like traditional student loans:
Must be an adult;
Has entered higher education institutions (public universities, engineering colleges, business schools, etc.). ) and can provide student id card or school certificate;
The age must be below 28 (some banks can extend the time to below 30);
France must have a guarantor. (Can be parents, relatives, friends)
All foreign students in France have the right to apply for student loans, but banks need students to ensure that they can pay off their loans after completing their studies. Therefore, in order to apply more favorably, we need to have a good bank account management, such as no overdue debts, and having a part-time job is the advantage of applying for a loan.
Iii. Matters needing attention in choosing student loans
Big banks in France will provide student loans with different preferential policies. The first thing we should do is to compare the advantages of different student loans. The following are the core issues of comparing student loans:
The total amount of student loans that can be applied;
The loan term of the student loan;
Repayment period of student loan
Student loan interest rate
Conditions of advance payment
Fourthly, the comparison of student loans in French big banks.
BNP Paribas (BNP Paribas)
The fixed interest rate is 0.8%, the minimum monthly repayment amount is 183.68 euros, and the student loan amount is 15000 euros.
If you apply for a student loan with an amount of 65,438+05,000 euros, the longest repayment period is 84 months, the monthly fixed remittance rate is 0.8%, the total repayment amount is 65,438+05,429. 12 euros, and the total interest amount is 429.12 euros.
French agricultural credit bank
Student loans can be provided to students aged 65,438+06-30 who are registered in higher education institutions recognized by the French state. Student loans do not need to prove the purpose of the loan. You can apply for school-related loans such as tuition fees and purchase learning-related materials. And you can also apply for accommodation, transportation, daily necessities and other living expenses related to the study profile. However, the specific loan amount, repayment period and interest rate need to contact the local bank staff to understand.
SocGen
Any student can apply, and no education is required. Student loans can be applied for from 1000 euros to 120000 euros. The repayment period is 10 year and the fixed interest rate is 0.89%. If we apply for a student loan of 20,000 euros, the repayment time is 84 months, and the minimum monthly repayment amount is 245.68 euros, and the total repayment amount is 20,637.438+02 euros.
French credit lyonnais
Students under the age of 35 can provide student loans and apply for student loans ranging from 65,438+0,500 euros to 75,000 euros. The repayment period is 65,438+00 years, and the student loans ranging from 65,438+0,500 euros to 5,000 euros can enjoy the discount of 0 interest. If the fixed interest rate of student loans above 5,000 euros is 0.99%.
French Kaiser Depagne
Student loans can be provided for students aged 18-28 to help them solve their study and life needs. It is flexible to obtain one or more student loans, and the repayment period is 10 year. The loan amount is 45,000 euros, which can be used to pay tuition or registration fees, rent a house, buy a car, etc.
2. Conditions to be met in applying for a loan for studying in France
First, the borrower must have the application conditions.
1. The borrower shall have full capacity for civil conduct, and the actual age of the loan due date shall not exceed 55 years old.
2. The borrower is in good health and the products are honest and trustworthy.
3. If the borrower is an overseas student, he should have a permanent residence or other valid residence at the lender's place before studying abroad.
4. If the borrower is an immediate family member or spouse of an overseas student, he should have a permanent residence or other valid residence status in the area controlled by the lender, have a fixed residence, have a stable occupation and income source, and be able to repay the principal and interest on schedule.
5. The borrower shall hold an admission notice or other valid admission certificate issued by the school where the student intends to study abroad.
6. The borrower shall provide property mortgage, pledge or third-party guarantee recognized by the lender. Mortgaged property is currently limited to real estate pledge with mortgage, and is currently limited to national debt, bank deposit certificates, corporate bonds and other securities. The guarantor should be a legal person or natural person with compensatory ability and willing to bear joint and several repayment responsibilities.
7. Meet other conditions stipulated by the lender.
Second, what materials should be prepared for the loan?
The borrower is required to provide the admission notice or admission notice of the school he attends.
Provide evidence of tuition and miscellaneous living expenses required by the school during the study period.
It is also necessary to provide assets recognized by the lender as collateral, pledge or a third-party borrower with compensatory ability to bear joint liability.
And the borrower already has a certain proportion of the expenses required by the educated.
Third, the amount of the loan
The amount and duration of the loan The amount of the loan for studying abroad shall not exceed the sum of the equivalent RMB 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 the study abroad school.
3. Apply for recommendation to study in a French university.
1, Paris Normal University
Many students have heard of the name of this school, which has a history of more than 200 years and has trained as many as 13 Nobel Prize winners and all 14 French Fields Prize winners (known as the Nobel Prize in mathematics).
2. Paris Institute of Technology
Paris Institute of Technology, a French engineering university established in 1794, has a strong background and belongs to the French Ministry of Defence, where three French presidents graduated.
3. Lyon Teachers College
Lyon Teachers College is a public educational research institution and one of the affiliated institutions of the French public university-Lyon University, which has long been a symbol of the high-quality public education system in France.
4. University of Paris VI
Paris VI is a European scientific and medical teaching institution with more than 125 laboratories. The University of Paris was founded in 197 1 year.
5.XI Paris University
XI University is one of the world famous universities. The majors of physics, mathematics, chemistry, medicine and biological sciences in the school enjoy a high reputation in France, and also have a position and excellent reputation in the world.
6. Paris University of Political Science
This is a world-renowned social science university, located in the center of Paris, enjoying a high reputation in Europe and even the world. Politics is a trump card. In the QS world university discipline ranking, political science is second only to Harvard University for many years.
7. University of Grenoble
Founded in 1339, the school has a long history and is also the top public university in France.
8. University of Paris I
Founded in the13rd century, it has a history of 800 years. It is the oldest university in Europe and even the world, and has always enjoyed a high status in western academic circles. It is also one of the universities in France, with 40,000 students, more than 14 teaching and research departments.
9. Descartes University in Paris
Named after17th century philosopher rene descartes. Paris Descartes University also benefited from the decomposition of Paris University, and inherited the medical departments of established universities, especially the life sciences and medical majors of the world's top universities. Students who want to study related majors should not miss it.
10, Paris Hi-Tech Road and Bridge College
This is the first public engineering university in France and one of the excellent engineering colleges in France. This school also attaches great importance to international cooperation, and has cooperated with 67 universities around the world, including Tsinghua University.