According to introducing, the nation that accepts proof of loan of Chinese student studying abroad at present basically is Australia, New Zealand and England. Among them New Zealand was appointed in trustworthy trade bank and Bank of China, the domestic banking orgnaization that Australian immigration office approbates has 6: Bank of construction of Bank of China, Industrial and Commercial Bank of China, China, Chinese agriculture bank, medium trustworthy trade bank and Shanghai Pudong develop a bank. England is approbated study abroad the bank of loan has the bank that enrol business to wait.
According to reporter understanding, trustworthy trade bank studies abroad at present in the loan amount of loan is lowest 300 thousand yuan of RMB, loan time limit is 3 ～ 6 years; Newest the Bank of China that roll out studies abroad loan, lowest is 200 thousand yuan of RMBs, loan time limit is 1 ～ 6 years. Times reporter Yuan Feng
Small stick person
Study abroad loan conducts technological process 4 ask
1. The requirement that borrower needs?
Have the natural person of competence of completely civil action, go abroad assiduously study Master above degree study abroad personnel, can borrow foreign currency; Go abroad assiduously study what bachelor reachs bachelor above degree to study abroad personnel, can borrow a RMB.
2. How does is the forehead of loan spent and fixed number of year provide?
Study abroad the forehead of loan is spent do not exceed abroad to study abroad school admission notice or other carry on proof of effective enter a school bright cost signing up, the tuition inside a year, living cost and other are indispensible the equivalence RMB summation of charge, highest do not exceed 500 thousand RMB, deadline is 1 ～ 6 years commonly, the longest time does not exceed 6 years.
3. Study abroad of loan assure which a few kinds does guaranty have?
Basically have: (1) house property mortgages: Loan is highest 60% of the pawn value that the forehead does not recognize via usurer more than; (2) impawn: Loan is highest 80% what the forehead does not exceed impawn content value. (3) credence assures: Offer joint liability to assure with tripartite, if assure the legal person that factitious bank recognizes, but sum extends; If the bank is approbated natural person, loan is highest the forehead does not exceed 200 thousand yuan of RMBs.
4. How reimbursement?
Loan time limit is in a year of less than (contain a year) , loan principal and interest is one-time when loan expires pay off, loan time limit is in a year of above (do not contain a year) , loan principal and interest practices law of month of reimbursement of equal specified number.