Since the Bank of China in Beijing, Shanghai and Guangzhou to offer study loans, many students who study abroad on the matter is of concern. Below a brief introduction to the Bank of China to study loan applications, security and repayment of the relevant provisions.
Loans:
The object of study for loans to students or their immediate family members or their spouses to pay their tuition fees for studying abroad, and basic living expenses, and other necessary costs. Loan guarantees of implementation, earmarking, the reimbursement schedule.
The borrower must meet the following requirements:
1, with full civil capacity;
2, the loan maturity date when the actual age shall not be more than 55 years of age;
3, should be held to the students studying abroad school enrolment notice or other effective school and has proved to be completed school students to study the country's passport entry visa;
4, should be controlled within the region accounts or other effective permanent residence status, have a fixed residence and stable occupation and source of income.
The amount of loans to study abroad does not exceed the school admission notice or other effective school that set out on the registration fee, within a year tuition, living expenses and other costs necessary for the RMB equivalent sum of up to more than 500,000 yuan, the longest period of not More than six years (including 2006).
Mortgage:
1, real estate mortgage: loan does not exceed the maximum approved by the lender's collateral value of 60%;
2, pledge (bonds, certificates of deposit Mortgage Bank): loan does not exceed the maximum value of the pledge of 80%;
3, credit and guarantee: to ensure that third parties jointly and severally liable, if the guarantor for the recognition of corporate banking, payment in full the case of banks approved a natural person, the maximum loan is not more than 200,000 yuan.
Application procedures:
Borrowers designated bank branches to receive applications for approval (in duplicate), and truthfully fill out the application form request, signed after the seal to the bank.
If the borrowers are studying abroad staff himself, is also required to provide the following information:
1, the borrower and spouse's ID cards, marriage certificates, residence booklet issued by the agency or the right to stay effective and copies of original documents;
2, to study the admission notice issued by the school to accept that letter and other effective admission that the necessary information and related costs that, along with my qualifications that information;
3, students have completed the school to host an entry visa procedures for the People's Republic of China passport;
4, to provide a safe civil capacity as a Chinese citizen an agent of domestic borrowers, and to provide its domestic agents of the ID card, proof of residence and communications address;
5, to mortgage or pledge of property, should provide collateral or proof of ownership of the original pledge, documents and entitled to punishment (including the consent of property collateral or a total of proof necessary to provide the right to be issued by the department arrived ( Quality) that the grantor of valuation;
6, if the guarantor is a legal entity, shall provide a written security guarantee agreement document (the guarantor for the corporate affiliates, should also guarantee issued by legal authority), corporate business license, the audited last year and the recent financial statements and related credit Evidence if the guarantor is a natural person, the sponsor should provide identity cards, thin accounts, income or property certificates and other credit proof;
7, the bank asked for additional information.
If the borrowers are studying abroad the immediate family members or spouses, in addition to material provided by the above 2,5,6,7 of the same security, but also can provide sufficient proof of borrowers and to students between the original and valid documents Photocopy; borrower income or property that; students have to be done to study the host school entry visa procedures for the People's Republic of China passport.
Bank borrower received the application, in seven working days to reply.
Bank approval of the borrower's loan application, will agree to loan amount, duration, interest rates and repayment plans to inform the borrower, the borrower and the guarantor and signed loan contracts and guarantees for the loans and contract procedures, and should note the following:
1, if the borrowers are studying abroad to my staff, signed loan contracts should have their domestic agents at the scene and at the same time in the loan contract signed on 2, if legal means guaranteed loans, as a guarantor of the legal representative or effective Authorized agents must be arrived at the scene and ensure that the contract was signed sealed;
3 If the natural way guarantee the loan, the guarantor must be arrived at the scene and ensure that the contract was signed sealed;
4, loan contracts and contracts must be secured for the enforcement of the effectiveness of notarization, the borrower and its domestic agent between the "agency agreement" with the contract should be signed and notarized at the same time;
5, collateral, the quality of the assessment, insurance, registration and notary fees by the borrower commitment.
After signing the contract, study loans from the bank directly assigned to the borrower in the bank at the opening of the savings card or call a savings account. The borrower's loan contracts should be agreed before the expiry of the loan will be returned to the loan principal and interest deposited in savings card or call a savings account. In all principal and interest loans are liquidated, the banks will return all the documents to mortgage or transfer, processing and touch (of) write-off charge registration procedures.
Loans:
The object of study for loans to students or their immediate family members or their spouses to pay their tuition fees for studying abroad, and basic living expenses, and other necessary costs. Loan guarantees of implementation, earmarking, the reimbursement schedule.
The borrower must meet the following requirements:
1, with full civil capacity;
2, the loan maturity date when the actual age shall not be more than 55 years of age;
3, should be held to the students studying abroad school enrolment notice or other effective school and has proved to be completed school students to study the country's passport entry visa;
4, should be controlled within the region accounts or other effective permanent residence status, have a fixed residence and stable occupation and source of income.
The amount of loans to study abroad does not exceed the school admission notice or other effective school that set out on the registration fee, within a year tuition, living expenses and other costs necessary for the RMB equivalent sum of up to more than 500,000 yuan, the longest period of not More than six years (including 2006).
Mortgage:
1, real estate mortgage: loan does not exceed the maximum approved by the lender's collateral value of 60%;
2, pledge (bonds, certificates of deposit Mortgage Bank): loan does not exceed the maximum value of the pledge of 80%;
3, credit and guarantee: to ensure that third parties jointly and severally liable, if the guarantor for the recognition of corporate banking, payment in full the case of banks approved a natural person, the maximum loan is not more than 200,000 yuan.
Application procedures:
Borrowers designated bank branches to receive applications for approval (in duplicate), and truthfully fill out the application form request, signed after the seal to the bank.
If the borrowers are studying abroad staff himself, is also required to provide the following information:
1, the borrower and spouse's ID cards, marriage certificates, residence booklet issued by the agency or the right to stay effective and copies of original documents;
2, to study the admission notice issued by the school to accept that letter and other effective admission that the necessary information and related costs that, along with my qualifications that information;
3, students have completed the school to host an entry visa procedures for the People's Republic of China passport;
4, to provide a safe civil capacity as a Chinese citizen an agent of domestic borrowers, and to provide its domestic agents of the ID card, proof of residence and communications address;
5, to mortgage or pledge of property, should provide collateral or proof of ownership of the original pledge, documents and entitled to punishment (including the consent of property collateral or a total of proof necessary to provide the right to be issued by the department arrived ( Quality) that the grantor of valuation;
6, if the guarantor is a legal entity, shall provide a written security guarantee agreement document (the guarantor for the corporate affiliates, should also guarantee issued by legal authority), corporate business license, the audited last year and the recent financial statements and related credit Evidence if the guarantor is a natural person, the sponsor should provide identity cards, thin accounts, income or property certificates and other credit proof;
7, the bank asked for additional information.
If the borrowers are studying abroad the immediate family members or spouses, in addition to material provided by the above 2,5,6,7 of the same security, but also can provide sufficient proof of borrowers and to students between the original and valid documents Photocopy; borrower income or property that; students have to be done to study the host school entry visa procedures for the People's Republic of China passport.
Bank borrower received the application, in seven working days to reply.
Bank approval of the borrower's loan application, will agree to loan amount, duration, interest rates and repayment plans to inform the borrower, the borrower and the guarantor and signed loan contracts and guarantees for the loans and contract procedures, and should note the following:
1, if the borrowers are studying abroad to my staff, signed loan contracts should have their domestic agents at the scene and at the same time in the loan contract signed on 2, if legal means guaranteed loans, as a guarantor of the legal representative or effective Authorized agents must be arrived at the scene and ensure that the contract was signed sealed;
3 If the natural way guarantee the loan, the guarantor must be arrived at the scene and ensure that the contract was signed sealed;
4, loan contracts and contracts must be secured for the enforcement of the effectiveness of notarization, the borrower and its domestic agent between the "agency agreement" with the contract should be signed and notarized at the same time;
5, collateral, the quality of the assessment, insurance, registration and notary fees by the borrower commitment.
After signing the contract, study loans from the bank directly assigned to the borrower in the bank at the opening of the savings card or call a savings account. The borrower's loan contracts should be agreed before the expiry of the loan will be returned to the loan principal and interest deposited in savings card or call a savings account. In all principal and interest loans are liquidated, the banks will return all the documents to mortgage or transfer, processing and touch (of) write-off charge registration procedures.
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