1. Understanding the common sense of applying for a loan for studying in Korea
1. The loan for studying abroad has nothing to do with obtaining a visa
The loan itself will not affect the visa result, because it proves that the applicant has certain assets and has certain conditions for going abroad, and the visa officer focuses on the repayment ability of the guarantor. Therefore, the authenticity, rationality and feasibility of repayment ability and plan certification materials are the key to determine the success or failure of loan visa application.
2. Requirements for loan for studying abroad
The borrower should provide the Admission Notice or Acceptance Letter of the school he attends, provide the supporting materials for the tuition and miscellaneous living expenses required by the school during the study period, and also provide the third-party borrower recognized by the lender with assets mortgage, pledge or compensatory ability and joint liability, and the borrower already has a certain proportion of the expenses required by the educated.
3. 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 fee, living expenses and other necessary expenses within one year stated in the admission notice or other valid admission certificates of overseas study schools, and shall not exceed 5, RMB, with a term of 1-6 years in general and the longest term of no more than 6 years.
4. Several secured mortgage methods for studying abroad loans
(1) Real estate mortgage: the loan amount shall not exceed 6% of the value of the collateral approved by the lender; (2) Pledge: The loan amount shall not exceed 8% of the value of the pledged property; (3) Credit guarantee: if a third party provides joint and several liability guarantee, if the guarantor is a legal person recognized by the bank, it can be paid in full; If it is a natural person recognized by the bank, the loan amount shall not exceed RMB 2,.
2. List of materials for studying in Korea
1. Nationality certification materials
As we all know, if you want to apply as a foreigner in studying in Korea, not only you must be a foreign national, but also your parents must not be Korean, so we need to prove the nationality of three people.
2. Academic credentials
Academic credentials are the most critical and important part in the preparation for studying abroad. Academic credentials are mainly divided into notarization and certification, and certification is divided into consular certification and Ministry of Education certification. Each certification institution is different.
Specifically, it includes high school diploma certification, high school entrance examination score certification, college entrance examination score certification, undergraduate diploma, degree certificate notarization, transcript notarization (some schools require certification), education inquiry report from the Ministry of Education, and education degree certification from the Ministry of Education.
3. Proof of family relationship
This part is mainly to prove the family relationship between me and my parents. For most families, you only need to provide the household registration book, that is, to prove that you are the son and daughter of your father or mother, commonly known as the proof of kinship. Generally speaking, only institutions can issue this certificate.
4. Language proficiency certification materials
If most schools explicitly request to submit language scores when applying, then we must submit the language scores together with the materials.
5. Proof of deposit
At present, more than 9% of Korean universities need to submit proof of deposit when applying. Generally speaking, the proof of deposit required by the Language Institute is 8, yuan, and that of undergraduate and graduate students is 15, yuan. It is suggested that the proof of deposit be issued in my own name, so it will be more convenient to submit the materials.
6. Letter of recommendation (in some schools)
Some schools will ask for a letter of recommendation from a university, so we need to contact a professor with a good relationship to prepare it. Generally speaking, the letter of recommendation is free-form, but it needs to be completed in English or Korean, put in an envelope, signed and sealed, and submitted. Only in this way can the school recognize it.
7. Award-winning certificates and work experience inside and outside the school
This part of the materials is basically not required by the school, but if you have them, you will get extra points for admission. If you have a certificate in Chinese, you can't submit it directly, but you need to translate it and notarize it. It is recommended to submit a certificate related to your major, and you will get more points.
3. General knowledge of life in Korea
1. Clothes
The weather in Korea is actually similar to that in China. You can bring some clothes from China, but there is no need to bring too much, because you will definitely go shopping when you are in Korea, and you will naturally buy beautiful clothes when you see them. There are many kinds of clothes in Korea, and they are in line with the fashion style of young people, and the price of clothes is not too expensive. I believe that everyone has seen a lot of men and women wearing in Korean dramas. I wonder if you have a crush?
If your school is in Seoul, it will be more convenient to go shopping. Besides, clothes can be bought near the school or in the underground commercial street. Of course, you can also choose to shop online, and the prices are still relatively affordable.
Second, eating
Students who have seen Korean dramas know that Koreans like to eat fried chicken and drink beer. The staple food for daily meals is rice, supplemented by meat, beans, seafood, kimchi and soup. Moreover, Koreans are very particular about their diet, and there is a saying that "eating is one of Five Blessingg". You can choose to eat in the school cafeteria or the restaurant near the school. The Korean diet is acceptable to us, and the price is reasonable. Of course, you can also choose to cook by yourself.
3. Living
Studying in Korea, there are the following kinds of accommodation:
1. School dormitories
Many schools in Korea will provide accommodation, but school dormitories will be limited, so you need to apply in advance, otherwise you may not be able to apply.
2. Examination center
The examination center used to be rented to students who took special examinations. Generally, the houses were very small, and only one bed, a desk for study and some basic facilities could be put in. Many facilities in it were also used by others. If you don't want to use them with others, you need to pay more rent yourself.
3. Renting a house
Renting a house means that you can find a house near the school. There will be many students renting a house near the general school. If you rent a separate room, you will also have your own bathroom and kitchen, which is the same as in China. You will pay the rent on time every month, and there will be a certain amount of utilities. This also requires a deposit, just like the domestic deposit, which will be returned in full when the house expires.
4. Hosting families
Hosting families live with local Koreans and rent one of their rooms. Everything else is for * * *, so you are equivalent to being a member of their family. This kind of renting is also relatively cheap. Living with them can improve your Korean by the way, and the landlord will prepare meals for you all day. You can concentrate on your work without worrying about eating.
4. Travel
There will be more trips by subway and bus in Korea. You can buy a T-money card, which can be used for bus and subway, and also for shopping in supermarkets. There are also many means of transportation in South Korea. When you first arrive in South Korea, it is recommended to travel with your companions, but international students should not stay out too late and take regular public transportation when they go out.