1. Introduction to the loan for studying in Korea
First, the loan for studying abroad has nothing to do with obtaining a visa.
The loan itself will not affect the visa result, because the loan can prove that the applicant has certain assets and certain conditions for going abroad, and the visa officer focuses on the repayment ability of the guarantor. Therefore, the authenticity, rationality and feasibility of repayment ability and plan certification materials are the key to determine the success or failure of loan visa application.
Second, the conditions required for studying abroad loans
The borrower is required to provide the school's admission notice or admission notice, the proof materials of tuition and miscellaneous living expenses required by the school during the study period, and the third-party borrower recognized by the lender with compensatory ability and joint liability. The borrower already has a certain proportion of the expenses required by the educated.
Third, the amount and duration of the loan.
The loan amount for studying abroad shall not exceed the sum of the equivalent RMB of the registration fee, tuition, living expenses and other necessary expenses within one year specified in the admission notice or other valid admission certificates of studying abroad, and the maximum amount shall not exceed RMB 500,000. The term is generally 1 ~ 6 years, and the longest period shall not exceed 6 years.
Four, several ways to ensure the loan for studying abroad
(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.
Verb (abbreviation of verb) loan amount and term
The amount of the loan for studying abroad shall not exceed the registration fee stated in the admission notice of the school studying abroad or other valid admission certificates, and the sum of the equivalent RMB of tuition, living expenses and other necessary expenses within one year shall not exceed 500,000 RMB, and the longest period shall not exceed 6 years (including 6 years).
2. Introduction to the main advantages of studying in South Korea
1, geographical location and cultural circle
South Korea is a close neighbor of China. The straight-line distance from Beijing to Seoul is 954 kilometers, and the nearest place is only 93 nautical miles apart. It only takes 2-4 hours to fly from China to Korea, and the traffic is very convenient. Because of the geographical proximity, the time difference between South Korea and China is only 1 hour, so it's really good not to stay up late to get the time difference.
In addition, South Korea, which belongs to the East Asian cultural circle, has been deeply influenced and edified by China culture for a long time. China's shadow can be seen in every aspect of life. Confucian culture has been well preserved in Korea, and even familiar Chinese characters can be seen in some ancient books and buildings.
In terms of diet, Koreans are also used to using chopsticks and taking rice as their staple food. These intimate life marks will also help you adapt to studying abroad more quickly.
2. Education level
In fact, South Korea is also a developed country with many world-class universities. In QS World University Ranking 202 1, * * 6 universities are ranked in the top of the world 100, namely Seoul National University, KAIST, Korea University, Yonsei University, pohang university of science and technology and Sungkyunkwan University.
There are 16 Korean universities in the world's top 500, and 39 universities in 1000. With the gradual expansion of government and enterprise financial support and the continuous output of high-quality academic achievements, more and more Korean universities rank among the top 100 in the world, and their rankings are getting higher and higher.
To tell the truth, even if you don't go to Europe and America, you can still become a student of the top 100 universities in Korea and fulfill your college dream.
3. The cost of studying abroad
Studying in Korea is definitely a cost-effective choice. Compared with European and American universities, most universities in South Korea have an absolute advantage in tuition fees, and the prices are really close to the people. The tuition fee of private universities in Korea is about 80,000-90,000 yuan a year, and the tuition fee of national universities is even lower, and the undergraduate students are about 60,000 yuan a year. In addition, most colleges and universities offer extremely generous scholarships. As long as the language score reaches the standard or the semester score is excellent, you can get scholarships ranging from 30% to 100% of the total tuition.
If you are a science and engineering student, you will generally have the opportunity to follow the professor to participate in various experimental projects and conduct scientific research experiments in the laboratory. You can receive a monthly subsidy equivalent to several thousand RMB, especially for the projects supported by BK2 1 national finance, and the subsidy will be more generous.
In addition, the Korean government allows students studying in South Korea to work legally, with a minimum hourly wage of about 50 RMB. If you find a suitable part-time job, you can be self-sufficient in living expenses and don't need to add any burden to your family. Many students studying in Korea have achieved zero-cost study abroad. Is it enviable?
4. Language learning
Some students may not have enough confidence in mastering a new language, but in fact Korean is one of the easiest languages to learn among many small languages. Korean is phonetic and has been influenced by Chinese for a long time. There are a large number of Chinese characters in the language, and their pronunciation is very similar to that of Chinese, which further reduces the learning difficulty. Learn Korean with zero foundation, and you can reach the level of IK4-5 in about one year, and apply for studying abroad.
Korean universities also attach great importance to English, reading a lot of English literature in their daily study, and most professors who have studied in Europe and America are usually willing to communicate with their classmates in English. English is also considered as a second language in Korea. Studying in Korea can not only help you master a small language, but also greatly improve your English.
In fact, for studying abroad, whether in Europe, America or South Korea, no matter which school, only by down-to-earth study can we really learn knowledge and improve our self-ability. Studying abroad is not a shortcut, but a difficult and bitter road, and those students who come to Korea to study may be under greater pressure than others. Stick to it, and you will eventually reap different scenery and wealth.
3. Share the common sense of studying in Korea
climate
South Korea has a temperate maritime climate, with four distinct seasons from China. It is the hottest from July to August every year, with an average temperature of about 25 degrees Celsius and a temperature of about 38 to 40 degrees Celsius. February to February, 65438 was the coldest, with an average temperature of about minus 5 degrees Celsius and a minimum temperature of minus 15 degrees Celsius.
Summer in Korea is hot, with rainy season and high temperature and humidity. In winter, the temperature is cold and windy. Only in spring and autumn, the temperature is pleasant, and the weather is sunny and livable. Because the four seasons in Korea change obviously, China students studying in Korea should be prepared to take clothes with reference to the weather in Beijing, so as to spend winter and summer smoothly.
2. Price
South Korea's overall price level is relatively high, which is similar to the consumption level of developed cities in China.
Prices in Korea vary from region to region. Prices in Seoul, the capital of South Korea, are higher than those in other regions, including accommodation, rent, tuition and catering.
Step 3 prescribe diet
Koreans mainly eat rice and pasta, and like to eat thick and spicy foods, such as kimchi and Chili sauce, which are the main side dishes or seasonings in Korean daily life. Koreans love to drink soup, especially pickled vegetable soup and bean curd soup, which are all necessary soups in Korea.
The Korean market is rich in spices and raw materials, so it is easy for China students to buy what they need if they cook by themselves. In addition, South Korea's fast food industry is also very popular, such as bread, hamburgers, pizza, fried chicken and other western-style fast food is extremely common. Of course, China restaurants are also appearing around us more and more.
4. Transportation method
South Korea has developed public transportation. Despite the traffic jam in Seoul, the developed subway lines and bus-only expressway can get anywhere you want quickly. If you use a transportation card uniformly throughout the country, you can enjoy the discount of free transfer.