Korean students can apply for study abroad loans, and the banks for study abroad loans are generally China Bank, Agricultural Bank and China Construction Bank. , are all about the same.
Secured mortgage:
(1), real estate mortgage: the loan amount shall not exceed 60% of the value of collateral recognized by the lender;
(2) Pledge: The loan amount shall not exceed 80% of the value of the pledged property.
(3) Credit guarantee: If a third party provides joint and several liability guarantee, and the guarantor is a legal person recognized by the bank, it can pay in full; If it is a natural person recognized by the bank, the loan amount shall not exceed 200,000 yuan.
Application for studying abroad loan:
The applicant can get the Approval Form for the Application for Studying Abroad Loan of Shanghai Pudong Development Bank (in duplicate) from the branch designated by the lender, fill it out truthfully according to the requirements of the application form, sign and seal it, and submit it to the lender together with the following materials.
1. If the applicant is an overseas student, he shall provide the following materials:
(1) Original and photocopy of the applicant's and spouse's ID card, marriage certificate, household registration book or valid residence certificate issued by the competent authority;
(2) The valid admission documents such as the admission notice and the admission notice issued by the school for studying abroad, and the relevant necessary expenses certificates, and provide my academic credentials;
(3) Provide a China citizen with full capacity for civil conduct as the domestic agent of the borrower, and provide the domestic agent's ID card, relevant residence certificate and mailing address.
(4) If the property is mortgaged or pledged, the ownership certificate of the mortgaged property or the original certificate of the pledged property and the certificate that the authorized person (including the property owner) agrees to mortgage or pledge shall be provided, and the appraisal certificate of the mortgaged (pledged) property issued by the competent department shall be provided when necessary;
(5) If the guarantor is a legal person, it shall issue a written document that the guarantor agrees to guarantee (if the guarantor is a branch of a legal person, it shall also issue a guarantee document authorized by the legal person), a business license of an enterprise as a legal person, audited financial statements and relevant credit certification materials;
If the guarantor is a natural person, he shall provide the guarantor's identity card, household registration book, income or property certificate and other credit certificates;
(6) Other materials required by the lender.
2. If the applicant is an immediate family member or spouse of an overseas student, the following materials shall be provided:
(1) Original and photocopy of the applicant's ID card, marriage certificate, household registration book or valid residence certificate issued by the competent authority; If the above information is insufficient to prove the relationship between the overseas students and the borrower, a certificate of immediate family members issued by the household registration management department shall also be issued;
(2) Provide the academic credentials of those who intend to study abroad;
(3) proof of income or property of the applicant;
(4) Other materials required by the lender.
The Lender shall give a reply within seven working days after receiving the above application materials from the applicant. If the loan is not approved, explain the reasons to the applicant and return all the materials provided by the applicant; If you agree to the loan, you will issue a Notice of Loan for Studying Abroad, inform the applicant to sign a loan contract and a guarantee contract, and require the borrower to come to our bank to handle the loan formalities with the passport of the country to study abroad within the prescribed time limit.
1. If the borrower is an overseas student, his domestic agent should be present when signing the loan contract and sign the loan contract at the same time.
2. If the loan is guaranteed by a legal person, the legal representative or duly authorized agent of the guarantor must be present and sign the guarantee contract.
3. If the loan is guaranteed by a natural person, the guarantor must be present and sign and seal the guarantee contract.
4. The loan contract and the guarantee contract must be notarized with enforcement effect, and the agency agreement between the borrower and its domestic agent should be signed and notarized at the same time as the above contract.
5. The expenses such as appraisal, insurance, registration and notarization of collateral and pledge shall be borne by the borrower.
2. Requirements for studying in Korea
1, education
Senior high school students, students from three colleges, junior colleges and undergraduate courses, as long as they can complete their studies, obtaining academic qualifications is the basic condition. High school students and three undergraduate students don't have to take the college entrance examination, but they have to graduate! Undergraduates can choose to change classes. In other cases, undergraduate students must have a complete double certificate to apply for Korean graduate students!
2. Language
The most important thing in studying abroad is language achievement! Students with Korean proficiency can directly apply for undergraduate and graduate students in Korean universities, while those without Korean proficiency can apply through school exams or graduation forms of our language school.
General requirements: minimum level 3.
Postgraduate: minimum level 4, advanced application of Korean.
3. Transcript
The report card is the embodiment of the learning situation. High school students applying for undergraduate courses need to submit their transcripts for three years in high school. Similarly, they also need to submit their school grades.
4. Economy
Although studying in South Korea is cost-effective, it is also a study abroad, which needs a certain economic foundation.
The tuition fee of private universities in Korea is 40,000-50,000 RMB per year. According to different majors, tuition fees will be different. The tuition fee of public universities is 20,000 RMB per year, which will be more economical. In addition to tuition fees, you need to prepare a deposit certificate, 70,000 yuan for the Language Institute and 0.4 million for the Master's degree/kloc-0.
3. Safety precautions for studying in South Korea
1, safe accommodation
Pay attention to the surrounding environment and fire safety conditions when choosing a house. Usually a particularly cheap house may have security risks, so try to rent a house through a housing agency.
Before going out or going to bed, you should confirm the lock of the gas cut-off device and lock the door lock of the entrance door.
You should get into the habit of carrying your keys with you, and lock the door when you go out or leave temporarily.
If you lose your key, please contact the owner to change the lock.
2. Property security and financial crimes
Take good care of your property and money, and don't tell others about your property easily.
Deposit large sums of money such as tuition and living expenses in the bank, and only carry the minimum amount of cash.
Important documents should be stored separately. If they are lost, they should be reissued as soon as possible.
If you receive a phone call asking about the passbook number, card number, password, etc. , usually telephone fraud. The Embassy of China once issued a notice, in the name of the Embassy and the public security organs, informing the victims by telephone that there was a case involved and it was necessary to transfer the cash to the bank account. 100% of the behavior is fraud.
Taking high salary as bait, purchasing, withdrawing money for money, taking packages, buying vouchers, etc. It's usually telecom fraud. Work related to a lot of money must be cautious again!
When using online banking, don't tell others your ID card, password and other information. When entering the password, confirm whether there are suspicious people in the surrounding environment and whether the network environment is safe. Try not to use the public network to enter any password.
3. Others
Don't lend money to others easily.
Asking for a high salary to collect money may also be an illegal act such as money laundering. Be careful not to be suspected of a criminal offence.
Because the laws of different countries are different, it is necessary to abide by Korean laws in Korea, make inquiries in advance, and pay special attention to the inconsistencies between China and South Korea (many drugs in Korea are managed differently from those in China, such as painkillers, which are prescription drugs and cannot be brought into China, which will seriously bear legal responsibilities).