China Bank Shenzhen study abroad margin loan handling materials:
1. Identification documents of the borrower, spouse (if married) and educated person, including ID card, marriage certificate, household registration book or birth certificate.
2. Proof of the purpose of the loan, including the letter of admission from the educated to the school (if the letter of admission is not obtained, relevant application materials can be provided).
3. Credit records of the borrower and his/her spouse (if married), including credit reports.
4. Mortgage materials, including real estate license and inquiry form.
5. Pledges, including fixed deposit books issued by Bank of China and voucher-type treasury bonds underwritten by Bank of China 1999.
6 guarantor materials, including the guarantor's identification materials, income proof materials, assets proof materials, credit records, etc.
7. Proof of the borrower's income, including proof of income or running water in the bank account.
8. Debit card (for repayment) and time passbook (for deposit pledge) opened by the borrower in China Bank.
The above contents are for your reference. Please refer to the actual business regulations.
How much is the deposit loan for China Bank to study in Shenzhen?
Introduction of China Bank's Guarantee Loan for Studying Abroad;
The loans granted by the Bank of China to borrowers are used for the deposits needed by the educated when they apply for visas in various foreign schools.
The above contents are for your reference. Please refer to the actual business regulations.
Bank of China Shanghai study abroad margin loan amount
1. The maximum amount of individual study abroad deposit loan in Shanghai shall not exceed10.5 million yuan or equivalent foreign currency.
2. The loan amount can be determined in the following two ways: 90% of the required amount is stated in the demand statement for study abroad deposit provided by the embassy of the destination country (or relevant institutions in the destination area), study abroad institutions and study abroad intermediaries recognized by the Ministry of Education, or the total amount of tuition and fees, transportation expenses and living expenses required by the educated during their study period is increased by 65,438+00%.
The above contents are for your reference. Please refer to the actual business regulations.
What are the guarantee methods of personal study abroad loans for the purpose of studying abroad deposits?
China Bank's personal study abroad loan guarantee method with study abroad deposit as loan purpose:
1. The lender can accept the forms of property mortgage, pledge guarantee, and irrevocable joint and several liability guarantee of natural persons for personal study loan with study deposit as the loan purpose. On this basis, the borrower can also insure the loan performance guarantee insurance.
2. No matter what method is adopted, the maximum loan amount shall not exceed RMB 654.38+RMB 500,000 or equivalent foreign currency.
The above contents are for your reference. Please refer to the actual business regulations.
What are the procedures for studying abroad deposit loan in China Bank?
The object and conditions of individual loan for studying abroad: the educated, their immediate family members or their legal guardians. If the educated person is under the age of 18, his immediate family member or legal guardian shall be the borrower and meet the following conditions:
1. Personal study abroad loan with study abroad deposit as loan purpose. The schools attended by the educated can be overseas middle schools (including Hong Kong, Macao and Taiwan) and overseas higher education institutions recognized by the Ministry of Education of China.
2. You must have the nationality of China people and hold legal identity documents (referring to resident identity cards or temporary resident identity cards, household registration books, military identity documents, armed police identity documents, etc. ) and has a permanent residence in China.
3. Be at least 18 years old and have full capacity for civil conduct.
4, with a stable source of income, with the ability to repay the loan principal and interest on schedule; If the borrower is an educated person and has no stable source of income, his relatives with stable source of income shall be regarded as * * * co-borrower, and valid proof of kinship with the educated person shall be provided.
5. The borrower (including * * * the same borrower, if any) and the guarantor (if any) are in good credit status, and have no bad credit records in China banks and peers.
6. Other conditions stipulated by laws, regulations, regulatory provisions and lenders.
Application process
1. You apply for a loan from China Bank and provide materials.
2. The Bank of China conducts the examination and approval according to the process regulations. Please consult the local branch of Bank of China for details.
The above contents are for your reference. Please refer to the actual business regulations.