Bank loans to help you raise
Study abroad is a huge sum of investment in education, the economy is not well-off families, in raising fees and deposits can be studied through a bank loan to ease the financial pressure.

At present, banks have offered loans to business credit, consumer loans and collateral loans, some banks have also launched for the overseas students for study in particular loans. Overseas students to choose according to their own loans, apply for a loan after a successful, but also receive a corresponding credit to prove.

Personal Credit Loan
Personal Credit loan is a bank or other financial institutions to borrowers with good credit need to provide guarantees issued by the RMB credit. Generally speaking, as long as the loan applicant has a good personal credit, in line with the relevant requirements of banks, we can obtain a certain amount of collateral-free bank loans.

As compared with other loans, credit loan limit will not be very high, such as the ICBC between 10000-1000000 yuan, while Bank of China’s personal credit revolving line of credit at less than 300,000 yuan. People’s Bank loan rates are generally in accordance with the provisions of the benchmark lending rate over the same period the implementation of the same grade.

Apply for a loan when I need to carry valid identity documents, proof of residential address (booklets, etc.), personal and professional certificates of the bank sets the material to the bank processing networks.

Pledged Loan
Pledged Loan refers to the lender according to Guarantee Law under the pledge approach to the borrower or a third person as a pledge of movable property or rights of material loans. Bank of acceptable quality of materials, including bank deposits, bonds, life insurance, personal foreign exchange trading funds.

It is understood that the bank has also introduced online banking personal secured loans business and the Bank PAT policy secured loans business. Single line of credit (households) Minimum 5,000 (inclusive), the maximum does not exceed 1000 million; Internet bank loans a maximum amount of not more than 1 million yuan. Loan period is generally one year, the longest no more than 3 years (inclusive).

China Construction Bank’s individual rights as security for loans from the same for 5,000 yuan (inclusive), loan term up to five years (if life insurance policies, pledge for a period of up to one year), but by the words Happy financial self-Card pledged, the loan can be the starting point of 1,000 yuan (inclusive). Customers In addition to outlets in the bank as security for loans apply for individual rights, business, self-help with the financial pledge card can also use ATM and other self-service terminals handled.

China Everbright Bank’s personal values in the document as security for loans also have an application ready access to, guarantee the maximum amount of flexibility and unlimited characteristics, customers can choose single or sub-sub-loans.

China CITIC Bank (6.29,0.02,0.32%) also accept the customers to pledge mortgage or by way of security deposit certificate, in order to apply for study abroad loans to customers.

At the same time, banks have to remind you that the insurance documents for the pledge out of quality people and insurance documents shall be insured under the same person.

Consumer loans
Consumer loans granted by banks to the borrower for the specified consumer applications RMB loans, consumer loans, but the use of bank and customer is still somewhat restricted. Although it can, such as China Construction Bank opened a personal consumer loans and study loans to prove, but only for teachers, Zhejiang University, provincial and municipal authorities handled the civil service.

The Composite Consumer ICBC’s personal line of credit by banks in accordance with the borrower credit conditions and guarantees provided by the situation in the identification of specific line of credit. Personal housing mortgage, the loan does not exceed the maximum amount of collateral the value of 70%; to individual commercial space picked mortgage loan does not exceed the maximum amount of collateral the value of 60%. Maximum term of the loan does not exceed 5 years for loans used for medical and study in a period of a maximum of 8 years (inclusive), but does not apply for renewal.

ABC provides a comprehensive credit personal loans can also be used to study abroad, received a one-time withdraw credit lines can also be agreed with the banks in determining the amount and period of validity recycling.

Study Loan
In addition to general loans, Bank of Communications (8.50,0.02,0.24%), China Everbright Bank has also launched a special study in lending operations.

Bank loans to target individual students to study abroad is limited to studies to determine the quasi-parents, the amount not to exceed those in school to study abroad tuition fees and living expenses during the period required for 70% of the total loan period of up to five years, the interest rate In accordance with the provisions of the PBC’s benchmark interest rate period of the implementation of quality customers the lowest interest rate to float downward by 10%. In terms of real estate mortgage, loan collateral does not exceed the maximum value of 70%; In terms of bonds, bank certificates of deposit as collateral, the loan does not exceed the maximum 90% of the value of collateral materials.

To go to Ireland and prospective international students studying in Australia can choose to study in China Everbright Bank loans. If the students or their own funds deposits, deposit funding period of less than 6 months or their own lack of funds, close relatives, students can also apply for study loans to the China Everbright Bank to pay to go to Australia, Ireland to study in school fees, basic living expenses and other necessary expenses .

In addition to specialized study loan, the bank’s business student loan can also be used to study raising of funds. It is understood that commercial student loans to students in institutions of higher learning, as well as study abroad students or their immediate family members, legal guardians issued to cover tuition, accommodation and basic living expenses of the lending operations. In with The People’s Republic of China nationality, and holds a valid proof of identity; with full civil capacity of natural persons (minors must provide their guardian’s consent to apply for loans written comments); no bad credit record; to provide legal, valid, sufficient values guarantees, etc. can apply under the conditions.