I. Application conditions
International students can apply for special loans, and the state will have special channels, but the application is not 100% unconditional. Students with excellent grades but difficult family conditions will be given priority, and there will be hard standards.
Everyone must also submit the materials submitted to the school to the application department, and also need to show proof of family income, which will be presented and audited by the working enterprise and the bank, and the internal audit is strict.
Second, the loan amount
Students who enter undergraduate majors can apply for an average of 300,000 yuan, which is the average that everyone can get after submitting their applications. It can be reduced or improved according to the actual situation of the family, and international students have high autonomy.
There are also students who receive language training and students who study at a higher stage. According to the survey, the minimum application is 5,000 yuan, and the maximum application is 600,000 yuan. Don't be greedy. If there are too many applications, the pressure for subsequent returns will be even greater.
Third, the loan term.
The shortest loan period is three years and the longest loan period is six years, that is, you can submit loan applications for up to six years in a row. The longer you apply for a loan, the more proof materials you need to show, because the risk of the bank will be higher.
Subsequent repayment behavior can only begin after everyone has completed their studies. You can choose monthly repayment, quarterly repayment or annual repayment, which involves loan interest. , and can be modified, need to consult.
Fourth, the advantages of loans.
For most families studying abroad, the pressure to spend a large sum of money at one time is still relatively great, and even if they do, they may still need money for a while, and their ability to resist risks will be reduced, which is not conducive to normal life.
And you need to show a deposit when you apply for a visa. If you submit a loan deposit, it will make the auditor believe that you have better economic strength and the time required for the audit will be shorter.