Holland is a very worthy country to study abroad, the Netherlands has a lot of different culture, is a lot of people want to know, next here to introduce to you “application for Dutch study loan requirements”, for reference only, welcome to read this article!
Study abroad loan refers to the foreign currency consumption loan issued by the bank to the students studying abroad or their immediate family members or their spouses, which is used to pay the tuition and miscellaneous fees and living expenses needed for studying abroad.
Nowadays, in addition to study-abroad loans, foreign currency traveler’s check is also a convenient way of payment.
Traveler’s check refers to a bill of fixed denomination sold on behalf of domestic commercial banks, printed by overseas banks or specialized financial institutions, with the issuing institution as the final payer and the freely convertible currency as the currency of valuation and settlement.
At the time of purchase, a domestic resident shall personally sign the check.
When exchanging, you only need to sign your name again, which is convenient for those who study abroad or travel abroad.
Student loan belongs to the category of education loan.
Educational loan includes commercial educational loan and national educational loan with financial interest discount.
Commercial education student loan is to point to the lender to the borrower for borrowers themselves or their legal guardian domestic school, ordinary university and study for a master or doctor degree or have been approved in the overseas college and study for a master’s and doctoral degree, such as the required tuition and fees in consumer loans (including money) to go abroad;
The state student loan refers to the student loan granted by the lender to the borrower by the central finance or local finance with discount interest, used for the tuition and miscellaneous expenses and living expenses of the borrower himself or his immediate family members or legal wards for full-time undergraduate, junior college or postgraduate study in domestic institutions of higher learning.
Study abroad loans are currently only available for commercial loans.
The object of the loan for studying abroad is the person who intends to study abroad or his immediate family member or his spouse.
1. The borrower shall have full capacity for civil conduct and his actual age at the maturity date of the loan shall not exceed 55 years of age;
2. The borrower has no illegal behavior, good health, and good 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 a permanent household registration 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.
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. Other conditions stipulated by the Lender.
Iv. The amount and duration of loan for study abroad The amount of loan for study abroad shall not exceed the sum of RMB equivalent to the application fee, tuition fee, living expenses and other necessary expenses in one year specified in the admission letter or other valid admission certificate of the overseas school, and shall not exceed RMB 500,000.
At the same time, the following conditions must be met: 1. The loan amount shall not exceed 60% of the value of the mortgaged property approved by the lender if the property can be mortgaged as mortgage; 2.
2. If national bonds or certificates of deposit of the Bank are used as collateral, the loan amount shall not exceed 80% of the value of the collateral;
Where enterprise bonds are used as collateral, the loan amount shall be determined according to the credit standing of the bond issuer and shall not exceed 60% of the face value of the collateral;
3. If a third party provides the joint and several liability guarantee, if the guarantor is a legal person recognized by the bank, the loan can be issued in full;
If it is a natural person approved by the bank, the loan amount shall not exceed RMB 200,000.
The term of the loan for studying abroad shall be determined according to the term of studying abroad, the income of the borrower and the guarantee ability of the guarantor and the collateral, and shall not exceed six years (including six years).
University of Amsterdam, is a university located in Amsterdam, the capital of the Netherlands, was founded in 1632, is a comprehensive university of the Netherlands, is also one of the oldest universities in the Netherlands, enjoys a high reputation in Europe.
It is a member of the University of Europe 21, the Union of European Capital Universities, and the European Union of Universities. It is also a member of the Union of European Research Universities together with Oxford, Cambridge and LMU Munich.
2. Delft University of Technology Delft University of Technology is located in Delft City, the Netherlands. It is a comprehensive university of science and technology with a long history, large scale and a wide range of majors.
Known as the “MIT of Europe”, it is one of the world’s top universities of science and technology.
Its high quality teaching and research level has a high reputation both at home and abroad, and its disciplines such as aeronautical engineering, electronic engineering, hydraulic engineering, chemical engineering, civil engineering and architecture have a high status and reputation in the world.
3, Rotterdam university Rotterdam university (Erasmus university/Erasmus university), the full name of the Erasmus university Rotterdam of the second largest city is located in the kingdom of the Netherlands, Europe’s first big port city of Rotterdam, the world’s top schools, is famous in the world’s top universities and public universities, with Europe and the world famous school of economics and management college.
4. Maastricht University Maastricht University is a young but world-renowned university.
Founded on September 16, 1974, it was formerly known as the National Limburg University. It is also a national research university in the Netherlands and a member of the World University Union.
Maastricht University is known for its highly international character. Among its 16,000 students, 45 percent are international students and 30 percent of its faculty are from abroad. Maastricht University is one of the most international universities in the Netherlands.
5. Radboud University Radboud University, officially named “Radboud University”, is commonly translated as “Radboud University” in China, and is also translated as “Radboud University”.
The university is located in Nijmegen, an ancient city in the Netherlands, and is one of the top research-based academic institutions in Europe.
Radboud University strives to create a good academic research and teaching environment for its students.
As a former missionary school, the university not only focuses on the cultivation of students’ scientific literacy, but also emphasizes the establishment of social responsibility. The university encourages students to take part in various academic and social activities to cultivate their insight and critical spirit on scientific and social issues.
Leiden University, one of the prestigious universities in Europe, was founded on February 8, 1575 AD. It is the oldest institution of higher learning in the Kingdom of the Netherlands.
Over the past five centuries, Leiden University has produced many outstanding people who have influenced the course of human civilization.
7, Utrecht University, also translated as Utrecht University, is one of the oldest universities in the Netherlands, the world’s top 100, meaning “Yang justice, Ze among the people”.
Founded on March 26, 1636, Utrecht University has a history of 380 years.
The university is located in Utrecht (Utrecht), an important city in the Netherlands, and is famous for its long tradition.
8. University of Groningen, founded in 1614, is one of the world’s top 100 universities and one of the oldest universities in Europe. Since its founding in the 17th century, the University has attracted a large number of foreign students and professors.
The University of Groningen is a member of the COIMBRA Group, a collaboration of 38 of Europe’s oldest universities, including the Universities of Cambridge and Oxford in the United Kingdom.
1, dress Dutch climate is relatively suitable, there is no very low temperature in winter, the average is 2 degrees Celsius, indoor heating, some Dutch people in the winter indoor will wear short sleeves, wait until you go outside just a thick coat can be.
Spring and summer are relatively warm, there is plenty of sunshine, summer temperature will not be very high, even in July and August is only about 20 degrees.
The Dutch dress as long as they wear more comfortable and decent, dress is not special, they usually wear more casual, in work will wear work clothes or formal clothes, attend important occasions will wear formal clothes.
2, accommodation for students who just to the Netherlands, the school will arrange dormitory for students, living in the dormitory fee is relatively high, but the environment is more safe and convenient, live to worry about a lot of things in the outside, where they lived, pick house and the landlord to talk about the contract, and so on are all you need to consider the question, but the cost will be a lot less obviously.
If you rent a local house, you can quickly adapt to the life in Holland, there are a lot of things to pay attention to when you live here, because you are not only living alone, you have to live with Dutch people, you have to know how to respect them and treat people politely.
3, diet most supermarkets sell in the Netherlands are western-style food, there are very few Chinese food, bread and milk is their staple food, the price will not far more costly than China’s, and the comparison of meat sold cheaper, the price of some vegetables in the winter will rise in price, the price of vegetables is similar to China’s summer.
Most of the students studying in the Netherlands can cook by themselves, so it is necessary to buy a multi-functional rice cooker. There are also many Chinese restaurants in the Netherlands. If you can’t cook by yourself but want to eat Chinese food, you can go to eat, but the cost is much more expensive than that in China.
4. Going out Bicycle is the most important thing for Dutch people to go out. They have a strong awareness of environmental protection, and their area is small, so bicycle has become a necessary means of transportation.
In addition to bicycles, there are also subways, buses and trains. The trains in Holland are relatively developed, and students will get a discount to buy train tickets.
