To study overseas without financial support open deposit certificate, for studying abroad loans, open foreign account, purchase, traveler's checks, international credit card...... Various financial services to find who do? This week to go abroad weekly, commercial daily help you a few big Banks inventory study in business.
China currently has three policy Banks (the state development bank, agricultural development bank, the export and import bank of China), 5 state-owned commercial bank (China bank (601988, shares it), agriculture bank (601288, shares it), industry and commerce bank (601398, shares it), construction bank (601939, shares it), traffic bank (601328, shares it)), 12 share-holding commercial Banks (citic bank (601998, shares it), the Chinese bank (600015, shares it), China merchants bank (600036, shares it), everbright bank (601818, shares it), minsheng bank (600016, shares it), pudong development bank, shenzhen development bank, the bohai sea bank, wide hair negotiable bank, industrial bank (601166, shares it), zhejiang merchants bank and China's postal savings bank) and 110 city commercial bank. In general, the basic study abroad in the state-owned business all can deal with the big four.
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Part of the bank to go abroad to study abroad loan process and related information service different remittance way different advantage sex
Part of the bank to go abroad to study abroad purchase service project
The bank of China
Bank of China to go abroad to study abroad of foreign exchange loan period normally 1 to 6 years, the loan amount is highest do not exceed the borrower in studying abroad during all fees and living expenses of 80%. Divide into overseas travel RMB loan and study abroad foreign currency loan, specific loan time limit, loan rate and loan amount by bank according to the borrower expenses required to study abroad and guarantee respectively determine.
China bank loans for studying abroad product features: can be used for already approved in overseas study at university undergraduate course or for master's or doctor's degrees in the student learning and the cost of living overseas; Provide RMB loans and dollars, pounds sterling, the Japanese yen and the euro, and Hong Kong dollar, the five currency the foreign exchange loan, according to the actual demand borrower can choose, overseas easily get tuition fee; Can choose mortgage, pledge guarantee and third party guarantee assure means of bid for the loans. Reimbursement channel is swift and convenient: can I choose in foreign remittance, through the bank on the net or entrust others in domestic to reimbursement. Reimbursement grace close benefit: the lender may give the borrower a grace, grace not only pay the interest in principal, fund use a more flexible.
Agricultural bank
Agricultural bank loans for studying abroad open method: the applicant shall carry valid identity, certificates of deposit, bankbook, bank card, Treasury vouchers, to any deal with the business a agriculture bank network, and fill out the "Chinese agriculture bank certificate application form". If I am unable to come to, also may authorize others to deal with the business. Agent in addition to the provisions of the carrying above the documents, still should hold to the authorization and agent of my valid identity.
Effective period: the bank deposit certificate issued the date for the customer for the date of the business, apply to establish a deposit certificate of deposit involved the deadline to stop payment of the decision, and the applicant indicate the application, such as the date of the fill in for the same day, the deadline for issuing on that day.
Citic bank
The borrower loan application studies abroad should also meet the following conditions: has the legitimate identity certificate, have permanent residence or effective local residential documents; The borrower or its family member has the stable occupation, reliable income, have on schedule to repay the loan principal and interest on schedule or the ability; The borrower or its funding objects have to go abroad to study written proof materials; Have the bank approved assets as a mortgage or pledge; Other conditions stipulated by the bank.
Loan repayment method according to the loan time limit and assure means sure, can use the following way: a. pledge fashion. If the loan term is within 1 year (with 1 year), a due a debt servicing, and along with the clear; If the loan term is one year or above, a monthly or quarterly servicing. Except for some countries head office has special provisions allow a press season servicing outside, on a per month are servicing reimbursement way. B. housing mortgage way. No matter the length of the loan time limit, shall implement monthly debt servicing reimbursement way.
According to information, about international remittance, in addition to the traditional way, d t, etc, the use of international credit card, deal with related account is also a good "take export countries" way.
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