1, Agricultural Bank of China

The Agricultural Bank of China has a personal loan specially prepared for international students, the amount of which can reach10.5 million yuan, and the loan period does not exceed 5 years. I, immediate family members and legal guardians can apply. You need to provide proof of study abroad qualification, including deposit certificate and study abroad certificate. Comprehensive preparation can improve your visa.

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CCB has a product for studying abroad called "Learning Easy Loan", which can be used not only by international students, but also by higher on-the-job educators, with an amount of 654.38+0 million. "Learning Easy Loan" can take the form of mortgage, pledge, credit granting and the combination of mortgage and pledge. Support includes equal principal and interest method, average capital method, due principal and interest method and due principal and interest method. If the loan term is more than one year, the monthly repayment method of equal principal and interest or the monthly repayment method of average capital must be adopted.

3. Industrial and Commercial Bank of China

The highlight of ICBC's study abroad loan is the high loan amount, reaching 2 million yuan and long term. Combined with the loan for studying abroad, it provides supporting services such as credit certificate, personal purchase of foreign exchange, settlement of foreign exchange, witness account opening, overseas account opening and international credit card handling. Loans can be issued at the time of the first application, or according to the borrower's tuition, accommodation and living expenses payment period.

4. Bank of China

Bank of China provides one deposit, one loan and nine deposits. For example, if you deposit 6,543,800 yuan in China Bank, you can borrow 900,000 yuan, and then get a deposit certificate of 6,543,800 yuan. Tuition, miscellaneous fees, transportation expenses and living expenses can reach 10 years (inclusive). Loans are used to pay tuition fees, miscellaneous fees, transportation fees and living expenses, and the amount shall not exceed 80% of the total cost of educated people studying abroad.

Tuition and miscellaneous fees shall be subject to the reasonable certificate issued by colleges and universities, and the amount of living expenses and travel expenses may reach RMB or equivalent foreign exchange/kloc-0.2 million yuan-200,000 yuan/year or more according to the approval of the country and region of entry.

2. Guidelines for handling loans for studying abroad in Switzerland

I. Introduction of Swiss Loan for Studying Abroad

The loan for studying abroad is a consumer loan for overseas students to apply to Minsheng Bank for studying abroad with the existing certificates of deposit, real estate and other family property as the guarantee. The loan for studying abroad can not only prove the credit of customers, but also be used to pay tuition and miscellaneous fees. In addition, western countries pay more attention to personal credit rating, and the way of studying abroad loan is a means to improve the personal credit rating of international students and help them get a visa for studying abroad smoothly.

Switzerland's economy is very developed and ranks among the best in the world. Economic pressure has become a problem for many students, so with the Swiss study abroad loan, the pressure on students and their families can be alleviated and students can successfully complete their studies.

Second, the conditions for studying in Switzerland

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 currently limited to mortgaged property; Pledged goods are currently limited to government bonds, bank certificates of deposit, corporate bonds and other securities; The guarantor shall be a legal person or natural person with compensatory ability, and be willing to bear joint and several liability for repayment;

7. Meet other conditions stipulated by the lender.

Three. Swiss study abroad materials

1. Legal and valid identity documents (resident identity card, household registration book or other valid residence documents) and their copies. Married persons 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.

3. Ways to save money by studying in Switzerland

First, one-time signing.

It costs a lot of money to apply for a visa for international students in Switzerland, including the cost of notarization of materials, the cost of physical examination, the fee for proof of funds and the fee for submitting applications, which add up to about 3,000 yuan.

If everyone passes at one time, then the above expenses will not be wasted; And if the application fails and the re-submission is rejected, then the money spent on it is useless, and everyone needs to start over from the school application stage.

Second, apply for a bonus.

Scholarships are one of the most important sources of income for international students. The Swiss government, schools and all walks of life attach great importance to education. One of the manifestations is the establishment of a large number of scholarships, which can basically be applied by international students.

Of course, scholarships are only available to people with excellent grades and abilities. Everyone needs to estimate their own level, and then choose the appropriate scholarship project to submit an application, so that the success rate of application will be higher.

Third, work-study programs.

The way to make money with a lower threshold is to work. There are not many kinds of jobs that international students can do, and they can only work full-time in winter and summer vacations. Usually only part-time, the main content is study.

The sense of security at school will be higher, and most of the division of labor will be helpful for your study; Although there will be more job choices outside the school, the scope that everyone can engage in is relatively small, so we must learn to safeguard our rights and interests.

Fourth, work and rent.

Accommodation is a relatively large part of the daily expenses of studying abroad, and renting a house will be much more expensive than living on campus. However, if you choose a host family, you can consider exchanging labor for rent and paying rent with labor.

Generally, everyone's job is to calculate wages by the hour, and there is not much work, mainly to keep it clean and tidy, so as to offset the rent, which not only solves the rent problem, but also ensures the comfort of the living environment.

4. Guidance Manual for Freshmen Studying in Switzerland

First, arrange to pick up the plane.

Generally speaking, the school will provide shuttle service, but it is not free. You need to submit your own application in order to meet you at the airport at the specified time, so as to ensure that everyone can get to school smoothly and will not delay admission.

Although you can check the route by yourself, it is difficult to predict the unexpected situation in a strange environment. It is better to contact the school directly and spend money to get a set of perfect services to ensure your enrollment progress.

Second, determine the accommodation.

Accommodation needs to be confirmed in advance. If dormitory is provided, you can directly log in to the application interface and submit your own accommodation application after you get the admission notice. After success, you can check in directly after paying admission.

Of course, you can also choose to rent a house. There will be private apartments for rent around the school, mostly students. The environment is still relatively good, you can apply directly online, and there will be a special website to receive international students.

Third, apply for an account.

Many banks provide online account opening applications, so you can fill in the information of the bank card you want to apply for in China, and you don't need to spend time in the bank to submit materials after you arrive, waiting for approval and wasting time.

If you find the bank you want to apply for, you can switch the language to Chinese, which will make the operation faster. Fill in the application form as required, submit the basic materials, and automatically generate an account after the approval is successful.

Four, familiar with the environment

You also need to be familiar with the surrounding environment of the school. Now you don't need to go directly to Switzerland, you can have a clearer understanding, because Google Maps can provide you with a clear map of the surrounding real scene, which is convenient for everyone to be familiar with.

And the route from school to shopping malls, banks, post offices, shopping streets and other places can also be familiar to everyone, so that when you arrive, you can quickly find your destination and pretend to be a local person.