First, the conditions for applying for studying abroad loans in Italy
The borrower must meet the following seven conditions:
1. The borrower has full capacity for civil conduct, and the actual age of the loan due date is no more than 55 years old;
2. The borrower has no violation of laws and regulations, is healthy, and is honest and trustworthy;
3. If the borrower is an overseas student, he should have a permanent residence or other valid residence status at the lender's place before studying abroad;
4. If the borrower is an immediate family member or spouse of a student studying abroad, he should have a permanent residence or other valid residence status in the area controlled by the lender, have a fixed residence, have a stable occupation and income source, and have the ability to repay the principal and interest on schedule;
5. The borrower shall hold an admission notice or other valid admission certificate issued by the school where the student intends to study abroad;
6. The borrower shall provide property mortgage, pledge or third-party guarantee recognized by the lender. Mortgaged property is limited to property with mortgage right; Pledges are limited to securities such as government bonds, bank certificates of deposit and corporate bonds; The guarantor shall be a legal person or natural person with compensatory ability, and be willing to bear joint and several liability for repayment;
7. Meet other conditions stipulated by the lender.
Two. Notes on Loan for Studying Abroad (Taking Bank of China as an Example)
1. loan purpose: the loan can only be used for tuition, miscellaneous fees and living expenses of undergraduate, master and doctoral degrees of overseas universities.
2. Loan term: one to six years, with a maximum of ten years (inclusive).
3. Loan currencies: USD, GBP, EUR, JPY and HKD.
4. Loan amount: 80% of the total tuition and fees and living expenses required by the educated during the school period.
5. Guarantee methods: mortgage, pledge, third-party guarantee, etc.
6. Loan issuance: After the examination and approval of foreign exchange loans for studying abroad, the payment method shall be selected according to the Interim Measures for the Administration of Personal Loans and the actual use of the funds, and the local BOC outlets shall be consulted specifically.
7. Repayment method: remittance, online banking or entrusting others to repay in China.
8. Grace period for repayment: the longest grace period for foreign exchange study abroad loans is 2 years.
Three. Materials required for applying for study abroad loan
1. The original legal and valid identity certificate, household registration certificate or other valid residence certificate of the borrower and the repayment person, and the valid identity certificate of the educated person, and provide copies of the above documents;
2. Proof of the relationship between the borrower and the educated;
3. Proof that the borrower recognized by the lender and its repayment partner have a fixed occupation and stable economic income;
4. The admission notice of the educated students attending the school and other admission documents, as well as the original relevant materials of the total amount of tuition and fees and living expenses required by the students attending the school (the school must be an overseas institution of higher learning recognized by the Ministry of Education of China), and the valid certification materials of the students attending the school (including student ID card, tuition payment voucher of the previous year, valid study visa, etc.). ) should also be provided;
5. If the real estate is used as collateral, a valid certificate of rights of the collateral and an agreement or statement signed by the person who has the right to dispose of it (including the owner of the real estate) shall be provided. Collateral shall be submitted to the value appraisal report issued by the appraisal agency recognized by the lender, and the pledge shall provide proof of rights, and the third party guarantee shall provide written documents and relevant certification materials that the guarantor agrees to undertake irrevocable joint and several liability guarantee;
6. The borrower, the repayment party and the guarantor shall personally issue and sign a written authorization to allow the bank to inquire about their personal credit reports;
7. Other supporting documents and materials required by laws, regulations and regulatory provisions.
2. Apply for the Italian study abroad education system
First of all, the Italian academic system
Domestic undergraduate course 4 years, Italian undergraduate course 3 years; In China, you have to graduate in four years, but in Italy, you have to complete the credits in three years. Only when the credit reaches 180 can you graduate after successfully defending your thesis. If it can't be achieved in three years, it needs to be completed.
Second, the tuition fees in Italy
Domestic universities have tuition fees, while Italian universities are free of tuition fees. Unlike other European countries, university tuition in Italy is funded by the government. Students are free and can enjoy this welfare treatment. They only need to pay a certain registration fee (you can also understand it as tax) to complete their studies, and excellent students can also apply for scholarships, so children from working-class families can go to Italy for further study.
Three. Enrolment and graduation in Italian schools
Domestic strict entry and wide exit, Italy wide entry and strict exit. In China, if your score does not reach 600 or above, well-known colleges and universities are convenient for you to pass by;
If you get more than 400 marks in the college entrance examination of comprehensive public universities in Italy, and more than 380 marks for art students in public universities of art colleges (college entrance examination score+art examination score), you will have a chance to enter world-famous universities in Italy, but strict examinations will make you learn more useful knowledge about stepping into society.
The Turandot Project, which has always been sought after by art students, was launched by the governments of China and Italy in 2009. It is mainly aimed at China students majoring in art, music and design, and provides them with opportunities to study in Italian art and music colleges. The purpose is to enable China art students to enter Italian universities smoothly, which can be said to be the "Kelpolo Plan" for art students. Students are free of tuition during their studies in public universities.
Of course, art students can choose Turandot as their first choice. If you want to apply for a comprehensive university in Italy, it is also convenient to take the Kelpolo plan. This program was initiated by the Italian Federation of University Presidents (CRUI), aiming at strengthening academic exchanges between Italy and China from the end of 2005 and consolidating the existing stable relations between the two countries.
More than 50 national universities participated in this project. Under the implementation of this plan, high school graduates from China can study for 3-year undergraduate courses in Italian universities, and university graduates can study for 2-year master's courses in Italian universities, free of charge.
Fourth, the attendance rate
Italian schools attach great importance to students' attendance, so students studying in Italy must try their best to maintain attendance. There are two forms of attendance in Italy. In Italian universities, the form of attendance is determined by the professor's teaching form. If the professor cares about attendance, you must attend class on time, otherwise the professor will forbid you to take the exam. When you meet a professor who doesn't care much about attendance, but pays attention to cultivating autonomous learning ability, there are two options: attending classes or not attending classes. Of course, students who don't attend classes will ask for more textbooks.
3. About the living expenses of studying in Italy
1, accommodation
Depending on the type you choose and the economic situation of your city, renting a house in a big city will definitely be more expensive than boarding in a small city, and the quality of life you enjoy will be different. What you should consider is your daily needs.
In first-tier cities such as Milan and Rome, ordinary houses cost about 3,500 yuan a month, and renting houses and water and electricity costs about 4,500 yuan; In Turin, Fellmer and other smaller cities, it costs about 3,000 yuan to live on campus and 4,000 yuan to rent a house.
Step 2 eat
In school, you can choose a canteen to provide a safe and convenient dining environment. The price is generally between 20-30 yuan, which can meet everyone's basic needs. Three meals a day add up to 60-80 yuan, about 2000 yuan a month.
Eating in ordinary restaurants, the average person is around 50 yuan, and a higher-end western restaurant will be more expensive. However, if you rent a house, you can do it yourself and the cost will be much lower. Generally, it is the choice of the parties, and the budget needs to be around 500 yuan.
Step 3 shop
It is generally cheaper and time-saving to buy daily necessities in large shopping malls, because you can buy what you want at one time. Most things will be more expensive than in China, but some things will be cheaper, such as meat and dairy products.
If people's daily demand for clothes is not great, they should buy them when there are seasonal discounts or big discounts, which can save money well. The budget generally needs about 2000 yuan to live a more comfortable life.
Step 4 transport
International students are generally advised to apply for a city transportation card, so that you don't have to worry about your own traffic problems for a while. The longer the time, the more cost-effective. The annual card fee needs about 1.500 yuan, while the minimum one-way ticket needs 10 yuan.
In addition, there is insurance. You should make sure that you decide on the project before entering the school and pay the fee on time every month. The cost of basic projects is about one month in 200 yuan, and then you can get complete medical benefits.
5. Other expenses
Daily necessities, skin care products, toiletries, etc. They are durable goods, so you don't need to buy them every month. An average of 20 euros per month is enough.
Step 6 travel
It is necessary to visit other cities or other countries to increase your knowledge. You can choose a homestay during the tour, and the cost is not high. Take Florence as an example, the price of a suite is about 50 euros per night.
7. Learn books and tools
You can choose to copy books to study, which will save a lot of money. Other painting tools or pigments are not counted, and there should not be too many on average every month.