Study in France is one of the first choices in Europe to study abroad, some students will apply for loans to reduce the economic pressure, the following from here Xiaobian with a detailed understanding of the 2022 French study loan application guide.
The guarantee and insurance of the loan for studying abroad is mortgaged by the house or other immovable property, the mortgage rate shall not exceed 70% of the value of the mortgage;
If bank certificates of deposit of the same maturity or certified state bonds are used as pledge, the rate of pledge shall not exceed 90% of the value of the pledge.
In the event of any change in affiliation, nature, name and address between the borrower and the guarantor, the borrower shall notify the lender 30 days in advance and sign an amended version of the loan contract and the amended version of the guarantee contract with the Lender.
The borrower who takes the asset as collateral shall handle the collateral insurance according to the requirements of the lender, and the insurance period shall not be shorter than the term of the loan.
Second, the French study application conditions: loan fixed number of year of the credit and overseas study loan does not exceed the amount of school admission notice or other effective entrance fee shown on the proof, within a year of tuition, living expenses and other necessary costs the equivalent of RMB, the borrower shall meet the following seven French application conditions: 1.
The borrower shall have full civil capacity and his actual age at the maturity date of the loan shall not exceed 55 years of age.
The borrower does not violate the law and discipline behavior good health has the honest and trustworthy product.
3. If the borrower is the person who goes abroad for study, he/she shall have a permanent hukou or other valid residence in the place where the lender is located before going abroad for study.
4. If the borrower is the immediate family member or spouse of the student studying abroad, he/she shall have a permanent hukou or other valid residence status within the area under the control of the lender, a fixed residence, a stable occupation and income source, and the ability to repay the principal and interest on schedule.
5. The borrower shall hold the admission notice or other valid admission certificate issued by the overseas school of the intended student.
6. The Borrower shall provide property mortgage, pledge or third party guarantee approved by the Lender.
The mortgaged property is currently limited to the real estate pledges that can establish the mortgage right. The mortgaged property is currently limited to Treasury bonds, certificates of deposit of the Bank, corporate bonds and other securities. The guarantor shall be a legal person or natural person with compensatory ability and willing to assume joint and several repayment liability.
Meet other requirements as prescribed by the lender.
If the term of the loan for studying abroad is less than one year (including one year), the principal and interest of the loan shall be paid off in a lump sum when the loan is due. If the term of the loan is more than one year (excluding one year), the principal and interest of the loan for studying abroad shall be repaid in equal amount each month.
For every student who wants to go abroad, study-abroad loans can be very helpful in proving their capital.
If the student’s family funds have not been deposited in the bank for a long time, it is difficult for most families to issue a deposit certificate of 400,000 yuan before going abroad.
With the bank as guarantee, the problem is solved. The bank lends money to the applicant, and the immigration bureau can trust the applicant’s financial ability by this.
For many students who do not have a long-term deposit certificate at home, the bank certificate solves the problem of “unclear explanation” to immigration authorities in the past.
The main reason that more and more applicants are learning to use loans is not that they have no means, but that the larger number of bank deposits are not that old.
When students arrive in France, the first thing to consider is accommodation, which needs to be distinguished between the provinces and the Paris area.
Renting in the Paris area is generally more expensive than in the provinces, and there are university apartments and self-rented apartments for reference.
University apartments are usually located near university towns and are in partnership with the university, but you need to apply in advance. If you apply late, you may have to wait until the next semester to move in.
Water, electricity, and heating are fully included in the student apartment, which covers an area of about 20 square meters. The price of this kind of housing is generally between 500 and 800 Euros. Please remember to bring the birth notarization and double certification issued in China, and you can go to CAF for housing compensation after arriving in France.
The Caisse d ‘Allocation Familiales, which are granted to legal residents of France who meet certain conditions, are French or of other nationalities.
The scope of CAF subsidy is mainly family subsidy and housing subsidy, and the housing subsidy is the one most closely related to students studying in France).
Generally speaking, this kind of student apartment can be applied for 200-300 euros housing supplement.
Second, travel, traffic in France is mainly based on their own car, bus, subway, holiday travel can take France’s high-speed train TGV.
The metro in the Paris region is perfect and the Ticket price is reasonable. There are Ticket t+, day ticket (Mobilis), weekly ticket (Le Passe Navigo Decourverte), monthly ticket and annual ticket in Paris. If you are far from the school, you may consider buying monthly ticket and annual ticket.
Or buy a bike to ride.
There are fewer subways in other provinces, and international students mainly travel by bus. The punctual rate of buses in France is very high. Students can record the bus schedule to make travel arrangements.
Due to the differences in eating habits, most students in France cook by themselves.
Most students have lunch in the dining hall of the university. The French government has a high subsidy for students. International students can apply for a meal card in the dining hall and get a meal subsidy.
We suggest you cook dinner and breakfast by yourself. We can go to Carrefour every week and buy enough ingredients for a week. We can eat very well at around 50 Euros.
The staple food of the French diet is mainly Baguette and pasta (nouille), and breakfast is more croissant with strawberry or chocolate sauce.
The dining room is about 40 to 60 euros for a single person, so it is more convenient for students to learn to cook in France.
Pendant le discount, such as Galeries Lafayette, Printemps, H&M, C&A, MANGO, ZARA and other brands will have discounts ranging from 30% to 70%. Students who love beauty can buy according to their own needs.
For Internet communication, students can buy B&YOU calling cards, which cost 19.9 euros per month for global call service.
If the accommodation does not have Internet access, you can contact an Internet communication company to assemble it, which can cost between 40 and 100 euros/month.
Medical insurance is a compulsory fee for every international student studying in France, and the cost varies according to the age and nationality of the student, as well as the insurance level.
The annual cost of living in France depends on where you live.
Chinese students in the Greater Paris area spend about 80,000 to 130,000 RMB per year, while students living in other provinces spend about 60,000 to 80,000 RMB per year.
