What are the application conditions for interest-free study abroad loans?
1. The borrower has full capacity for civil conduct, and the actual age of the loan due date is no more than 55 years old; ?
2. The borrower has no violation of laws and regulations, is healthy, and is honest and trustworthy; ?
3. If the borrower is an overseas student, he should have a permanent residence or other valid residence status at the lender's place before studying abroad; ?
4. If the borrower is an immediate family member or spouse of a student studying abroad, 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 have the ability 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 limited to property with mortgage right; Pledges are limited to securities such as government bonds, bank certificates of deposit and corporate bonds; The guarantor shall be a legal person or natural person with compensatory ability, and be willing to bear joint and several liability for repayment. ?
Extended data:
What information do you need to apply for an interest-free study abroad loan?
1. Legal and valid identity documents (resident identity card, household registration book or other valid residence documents) and their copies. Married people should also provide the above information of their spouses.
2. Proof of stable economic income of the borrower (family).
3. The borrower's stable occupation certificate.
4. List of collateral or pledge and ownership certificate.
5. The student's school registration certificate or admission notice and other admission certificates.
6. Other documents or materials required by the bank. ?
China CITIC Bank-What are the requirements for interest-free study abroad loans?