For students who want to apply for studying abroad, if they encounter any difficulties in the economy, they can apply for a loan for studying abroad. The following Xiaobian brings you “precautions for applying for a loan for studying abroad in Switzerland”, which can be a reference!
1. If the borrower is a student studying abroad, his/her domestic agent should be present and sign the loan contract at the time of signing;
2. If the loan is guaranteed by legal person, the legal representative or the valid authorized agent of the guarantor must be present and sign and seal the guarantee contract;
3. The Borrower shall bear the costs of the evaluation, insurance, registration and notarization of the mortgaged property and the pledged property.
4, explain the purpose of the loan abroad friends in the application for study abroad loan, the applicant must clearly indicate the purpose of the loan is used for study abroad.
5. The loan contract needs to be prepared in English. Many banks provide loan services for overseas students, but not all banks can provide the English version of loan contract for overseas students.
This is also the need to pay attention to the customer in the process of studying abroad loan.
If there is no English version, there may be a little trouble in the visa.
6, pay attention to their integrity when dealing with loans for studying abroad should check their integrity, the bank through the inquiry of credit records, can know the borrower’s integrity, integrity is very important in studying abroad.
After the contract is signed, the loan for studying abroad will be transferred directly to the debit card or current savings account opened by the borrower at the bank.
The borrower shall deposit the principal and interest of the loan into a savings card or a current savings account before the maturity of the loan as stipulated in the loan contract.
After the principal and interest of the loan are fully paid off, the bank shall return all the vouchers to the mortgagor or the pledgor and go through the formalities of registration and cancellation of the pledge.
Study abroad loan is a consumer loan that students apply for studying abroad from Minsheng Bank with their existing certificates of deposit, real estate and other family property as security.
Student loan can not only prove the customer’s credit, but also be used to pay tuition and miscellaneous fees.
In addition, Western countries pay more attention to the personal credit level of the students. Through studying abroad loan, it is a means to improve the personal credit level of the students, and help them get the study visa smoothly.
Switzerland’s economy is very developed and ranks among the top in the world.
Financial pressure has become a problem for many students, so the Swiss student loan can reduce the pressure on students and their families, so that students can successfully complete their studies.
1. The borrower shall have full capacity for civil conduct and shall not be more than 55 years old on the maturity date of the loan;
2. The borrower has no violation of the law or discipline, has good health, and has the character of honesty and trustworthiness;
3. If the borrower is the person studying abroad, he/she shall have a permanent household registration or other valid residence status in the place where the lender is located before studying abroad;
4. If the borrower is the immediate family member or spouse of the student studying abroad, he/she shall have permanent household registration or other valid residence status within the territory under the control of the Lender, have a fixed residence, a stable occupation and income source, and have 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.
Mortgaged property is currently limited to properties for which mortgage rights can be established;
At present, the pledge is limited to Treasury bonds, certificates of deposit of the Bank, enterprise bonds and other securities;
The guarantor shall be a legal or natural person with compensatory capacity and willing to undertake joint and several repayment liabilities;
7. Meet other conditions specified by the Lender.
1. Legal and valid identity documents (resident ID card, household register or other valid residence permit) and photocopies. The married person should also provide the above information of his/her spouse;
2. Proof of stable financial income of the borrower (family);
3. The borrower’s stable career certificate;
4. List of mortgaged property or pledge, ownership certificate;
5. Student’s school status certificate or admission letter;
6. Other documents or information required by the bank.
Zurich As the largest city in Switzerland, Zurich is also one of the world’s major financial centers, home to the world’s fourth largest stock exchange and the headquarters of many international companies.
Located at the end of Lake Zurich, the city offers plenty of opportunities to take in the beautiful Swiss landscape and explore the hills and mountains in a mixed backdrop of historic and modern architecture.
The cost of living in Switzerland is generally high, but the country’s relatively low tuition fees may compensate for this for international students.
German-speaking is predominant in Zurich.
Zurich is home to two of Switzerland’s highest-ranked universities: ETH Zurich and the University of Zurich.
Lausanne is located in the French-speaking part of Switzerland, rich in cultural heritage and, like Zurich, in an excellent lakeside location on the shores of Lake Geneva.
Switzerland’s fifth largest city, Lausanne is famous for its historic medieval center, home to a grand Gothic cathedral, and its proximity to ski resorts, making for a lively artistic scene.
The two main universities in Lausanne are Ecole Polytechnique Federale de Lausanne and the University of Lausanne.
Geneva Located between Lake Geneva and the French border, Geneva is the heart of Switzerland.
It is known on the international stage as one of the world’s major diplomatic centers, being the second largest base of the United Nations and home to numerous non-governmental organizations.
Like other Swiss cities, Geneva is one of the most expensive places to study abroad, but at the same time you can attend a world-class university in a comfortable, safe and international environment.
The highly ranked university in Geneva is the University of Geneva.
Known for its relatively laid-back pace of life, Bern is Switzerland’s federal capital and the country’s fourth most populous city.
The old town, with its charming cobblestone streets and 15th-century buildings, is a UNESCO World Heritage site.
Although Bern is not bordered by a lake, it has the winding Aller River and many hiking trails in the surrounding hills and mountains.
There are also museums and galleries, such as the modern art-themed Paul Klee Centre, as well as a dizzying array of bars and nightclubs.
The highest-ranked university in Bern is the University of Bern.
Located in the north of France, near the French-German border, Basel is definitely a good choice for those who wish to explore more than a few European countries during their stay.
Basel is the third most populous city in Switzerland, the center of the Swiss chemical and pharmaceutical industries, and an important cultural center, especially for music culture.
Basel is home to the Schola Cantorum Basiliensis and an international centre dedicated to the study of music from the Medieval to Baroque periods.
The highly ranked university in Basel is the University of Basel.
