The applicant should hold the admission notice or other valid admission certificate of the school where the intended overseas student is located, as well as the passport with the entry visa of the country where the intended overseas student is located;

Should have permanent residence or other valid residence status in the controllable area, have a fixed residence, stable occupation and income source.

The amount of the loan for studying abroad shall not exceed the registration fee specified in the admission notice or other valid admission certificates of the school for studying abroad, and the sum of the equivalent RMB of tuition, living expenses and other necessary expenses within one year shall not exceed 500,000 yuan at the maximum and six years at the longest (including six years).

Mortgage method:

Mainly include

(1) Property mortgage: the maximum loan amount shall not exceed 60% of the value of the collateral recognized by the lender;

(2) Pledge (mortgage of government bonds and bank certificates of deposit): The maximum loan amount shall not exceed 80% of the value of the pledged property. (3) Credit guarantee: If a third party provides joint and several liability guarantee, and the guarantor is a legal person recognized by the bank, it can pay in full; If it is a natural person recognized by the bank, the maximum loan amount shall not exceed 200,000 yuan.

As can be seen from the above regulations, you must have been admitted, so you must first determine whether you can provide a mortgage, and then you must apply for a university before you can apply for a loan.