I. Introduction of ICBC's loan for studying abroad
ICBC's study abroad loans are divided into two categories, one is a withdrawal-type product specially designed for the tuition, miscellaneous fees and living expenses of borrowers or their immediate family members during their study abroad, and the other is a non-withdrawal-type study abroad loan, which is used to handle the formalities of studying abroad or accompanying students of borrowers or their immediate family members, and has been recognized by relevant embassies and consulates.
Ii. 20 18 application conditions of China industrial and commercial bank for studying abroad loan
Users aged between 1 and 18 (inclusive) and 65 (inclusive) can apply;
2. It has legal and valid identity certificate, marital status certificate and household registration certificate (or valid residence certificate) of the lender's location.
3. The customer rating assessed by China Industrial and Commercial Bank's retail internal rating system complies with relevant regulations.
4. Individuals and families have good credit and repayment ability.
5. Relevant purposes of submitting the loan for studying abroad. The purpose of the loan is in line with national laws, regulations and relevant provisions, as well as the provisions of embassies and consulates in relevant countries or regions.
6. It can provide certain guarantee, which has been audited by ICBC.
7. You must open a personal settlement account in China Industrial and Commercial Bank.
Three. Application materials of China Industrial and Commercial Bank for studying abroad loan
1. Fill in the Application Form for Personal Study Abroad Loan of Industrial and Commercial Bank of China, and suggest going to a nearby branch to get it.
2. The original and photocopy of the borrower's valid identity certificate, household registration certificate (household registration book or other valid residence certificate) and marital status certificate (marriage certificate, divorce certificate, unmarried statement, etc.). ).
3. Original and photocopy of the relationship certificate (household registration book, birth certificate, etc.). ) between the borrower and international students or accompanying students.
4. Proof of personal repayment ability, such as personal tax payment certificate, salary certificate, proof of expected return on investment, proof of rental income, and proof of financial assets in ICBC or other banks in the past 6 months.
5. Proof of loan use. Including the admission notice or other valid admission documents issued by the school studying abroad. For those who have not yet obtained the letter of admission or other valid admission certificates, they can also provide the Self-funded Study Abroad Intermediary Service Agreement signed by the study abroad intermediary service institution recognized by ICBC and the person planning to go abroad, or other valid written certificates recognized by the lender.
6, mortgage (pledge) guarantee, provide proof of ownership of the mortgaged (pledged) property.
7. If the borrower is a student studying abroad or an accompanying person, he shall provide at least one domestic borrower and a notarized power of attorney (except for not withdrawing personal loans for studying abroad), and designate a domestic agent in the power of attorney to authorize him as the sole agent of the borrower to dispose of the mortgaged (pledged) goods according to the contract.
8. If a financing guarantee institution is adopted for guarantee, relevant information of the guarantor that meets the requirements of China Industrial and Commercial Bank shall be provided.
9. Other documents or materials required by the lender.
The above is the whole content of ICBC's study abroad loan. Among the four major banks, ICBC has the lowest loan interest, so if it meets the loan conditions, it is recommended to apply for a bank loan for studying abroad, and the cost will be much lower.