Students who are planning to study in Singapore can consider taking out a loan when preparing their study budget.Loan conditions and precautions for studying in SingaporeUndergraduate study requirements in Singapore, ,Requirements for studying in high schools in Singapore, ,Requirements for studying in SingaporeThe problem.

Loan conditions and precautions for studying in Singapore

1. Loan conditions and precautions for studying in Singapore

1. Requirements for postgraduate study loans in Singapore

1. The borrower should have full civil capacity and his actual age should not exceed 55 years old on the loan maturity date;

2. The borrower has no illegal or disciplinary behavior, is in good health, and has the character of honesty and trustworthiness;

3. If the borrower is a student studying abroad, he/she should have a permanent residence or other valid residence status in the place where the lender is located before studying abroad;

4. If the borrower is a direct relative or spouse of a student studying abroad, he/she should have a permanent residence or other valid residence status in the area controlled by the lender, a fixed residence, a stable occupation and source of income, and the ability to repay the principal and interest on time;

5. The borrower should hold an admission notice or other valid admission certificate issued by the overseas school where the student intends to study;

6. The borrower must provide property mortgage, pledge or third-party guarantee approved by the lender. The mortgaged property is limited to real estate that can be mortgaged; the pledged property is limited to government bonds, bank deposit certificates, corporate bonds and other securities; the guarantor should be a legal person or natural person with compensation ability and willing to bear joint and several repayment responsibilities;

7. Meet other conditions stipulated by the lender.

2. Notes on Loans

1. Questions related to applying for a Singapore study loan - conditions required by the borrower

(1) Natural persons with full civil capacity and students studying abroad for a master's degree or above can borrow foreign exchange;

(2) Students studying abroad for a bachelor’s degree or above can borrow RMB.

2. Questions about applying for a Singapore study loan: What are the loan amount and term regulations?

The amount of the study abroad loan shall not exceed the application fee stated in the admission notice of the foreign school or other valid admission certificate, the total amount of RMB equivalent of tuition, living expenses and other necessary expenses within one year, and shall not exceed RMB 500,000. The term is generally 1 to 6 years, and the maximum term shall not exceed 6 years.

3. Questions about applying for a study abroad loan in Singapore - What are the types of collateral for study abroad loans?

There are three main types: (1) Real estate mortgage: the loan amount does not exceed 60% of the value of the mortgaged property approved 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, the full amount of the loan can be disbursed if the guarantor is a legal person recognized by the bank; if the guarantor is a natural person recognized by the bank, the loan amount shall not exceed RMB 200,000.

4. Questions about applying for a Singapore study loan - how to repay the loan

If the term of the Singapore study abroad loan is within one year (inclusive), the principal and interest of the loan shall be repaid in one lump sum when the loan matures. If the term of the loan is more than one year (excluding one year), the principal and interest of the loan shall be repaid in equal monthly installments.

2. Which school is good for studying abroad in Singapore?

1. National University of Singapore

The National University of Singapore (NUS) is the top university in Singapore. It is a member of AACSB and EQUIS accredited institutions, the Asian University Alliance, the Asia Pacific International Education Association, the International Research University Alliance, Universitas 21, and the Association of Pacific Rim Universities. It enjoys a world-renowned reputation for research in engineering, life sciences and biomedicine, social sciences, and natural sciences.

To apply for a professional master's degree at the National University of Singapore, you must be a graduate of a domestic 211 or 985 university, provide your academic performance, and have an average score of 80 or above, an IELTS score of 6.5, and hold a diploma and bachelor's degree in a related major. Alternatively, you can take the Singapore A-level exam and apply based on your exam results.

To apply for a professional master's degree at the National University of Singapore, you must be a graduate of a domestic 211 or 985 university, provide your academic performance during school, with an average score of 80 or above, an IELTS score of 6.5, and hold a graduation certificate and bachelor's degree in a related major.

2. Nanyang Technological University, Singapore

Nanyang Technological University (NTU) is a world-class research university in Singapore. NTU is a member of the Association of Pacific Rim Universities, a founding member of the Global Artificial Intelligence Academic Alliance, an AACSB-accredited member, a member of the Association of Professional Schools of International Affairs (APSIA), and a founding member of the International Association of Science and Technology Universities. As a research-intensive university in Singapore, it enjoys a world-renowned reputation for its research in many fields such as nanomaterials, biomaterials, functional ceramics and polymer materials. It is a comprehensive university that focuses on both engineering and business.

3. Singapore University of Technology and Design

Singapore University of Technology and Design is the fourth public university in Singapore after the National University of Singapore, Nanyang Technological University, and Singapore Management University. The founding president of Singapore University of Technology and Design (SUTD) is Professor Thomas L. Manianti, the Dean of the School of Engineering at the Massachusetts Institute of Technology.

Since its inception, the school has been in deep cooperation with the Massachusetts Institute of Technology in the United States. The school’s faculty and staff will be interviewed and recruited by MIT, and all faculty and staff will receive one year of training at MIT before teaching.

4. PSB Academy, Singapore

PSB Academy is a private higher education institution in Singapore with a history of more than 50 years. As a Singaporean university with a good reputation and educational scale, PSB Academy is committed to pursuing academic rigor and being closely connected with the industry. It uses unique teaching concepts and methods to ensure the provision of high-quality education, ensuring that its students are superior in skills and have comprehensive competitiveness in the market. PSB Academy has more than 600 full-time and contract teachers. Through cooperation with top universities in Australia and the United Kingdom, students are provided with more than 80 courses covering different fields, including certificates, colleges, undergraduates and masters.

5. James Cook University, Singapore

James Cook University Singapore is a direct campus of James Cook University in Australia and ranks among the top 2% in the world. James Cook University in Australia established a branch in Singapore in 2003, which was an important milestone for the university to go international. The Singapore campus offers students a full range of university-level courses covering business, information technology, psychology and education. The courses offered and degree certificates issued by the Singapore campus are exactly the same as those of the main campus in Australia.

The Singapore campus of James Cook University in Australia offers majors such as banking and finance, tourism and hotel management, international business, management, marketing, sports and exhibition management, accounting, financial management, business intelligence and information systems, interactive visualization, games, big data and data mining, 2D/3D graphics and network technology, mobile technology, programming, business and environmental science, aquaculture, and psychology.

6. Kaplan Institute of Higher Education, Singapore

Kaibo Higher Education has the Edu Trust certification and has also obtained the qualification certification from the Education Department of the Chinese Embassy in Singapore, providing solid guarantees for overseas students in terms of quality education and development prospects.

Located in the financial and commercial center of Singapore, Kaplan Higher Education provides students with high-quality bachelor's, master's and doctoral higher education courses. Two modern and intelligent urban campuses, comfortable teaching environment and trusted education brand have attracted countless students from all over the world. The courses offered by the college cover a variety of majors, including accounting and finance, business administration, communications and media, engineering, hotel and tourism management, humanities and social sciences, information technology, law, nursing and healthcare, etc.

7. East Asia Institute of Management, Singapore

EAIB is a well-known private higher education institution in Singapore, founded in 1984. It is one of the first six institutions to be officially awarded Edu Trust certification. The school currently has more than 3,000 students from 20 countries and regions around the world. It is one of the largest and highest quality private institutions in Singapore.

East Asia Institute of Management has two independent campuses. It offers undergraduate, master and doctoral programs in business, logistics, hotel and tourism management, computer science and other fields, with a total of more than 20 majors. Among them, hotel and tourism management has a good reputation in Singapore.

3. Checklist for studying in Singapore

1. Certificates

Before leaving for Singapore to study, you must check whether you have all the necessary documents, such as your valid passport, school admission letter, student pass approval letter issued by the Singapore Immigration Department, and study visa issued by the Singapore Embassy in China. After preparing the materials, put all these important documents in your backpack to facilitate the inspection by customs staff.

2. Cash

For students going to study in Singapore for the first time, they can prepare some extra cash to facilitate transportation, meals, etc. after arriving at the destination; students can exchange RMB and Australian dollars into Singapore dollars in China, and they can also exchange RMB, Hong Kong dollars, and US dollars into Singapore dollars after arriving in Singapore. Basically, every large international airport and shopping mall has a currency exchange place. Although Singapore Customs does not have too strict regulations on the amount of cash that can be carried by inbound travelers, it is not recommended to reserve too much. After all, it is inconvenient and unsafe. Just carry 2 to 3 months of living expenses.

3. Medicines

When studying abroad, it is necessary to prepare some emergency medicines, such as common cold medicines, fever medicines, fire-reducing medicines, anti-inflammatory medicines, anti-diarrhea medicines, and cooling oils and floral water to prevent mosquito bites, etc. At the same time, you can also prepare some vitamins, stomach-strengthening and digestion-promoting tablets, etc., in case of physical discomfort after arriving in Singapore. If the physical fitness is not very strong, students can prepare more vitamins and nutritional supplements, but it should be noted that Singapore Customs is also very strict in drug inspections. You must pay attention to the drug ingredients. Some drugs contain dangerous ingredients such as ephedrine, which may be checked by customs staff or even confiscated. At the same time, don't bring too many drugs, otherwise the immigration staff may doubt their purpose of studying abroad.

4. Clothing

The climate conditions in Singapore are completely different from those in our country. It can be said that it is summer all year round, and the lowest temperature is over 20 degrees. So you can prepare more summer clothes. The temperature will drop in the rainy season, but it will not be too cold. If students are afraid of the cold, they can also prepare some thin long-sleeved shirts and trousers. In addition, if you are worried about formal occasions, you can also prepare one or two sets of formal suits.

5. Items that are prohibited for study in Singapore

According to the regulations of the Singapore Immigration Department, whether you are entering Singapore as a student or in other capacities, you are not allowed to bring in fresh, dehydrated or canned meat and bean products, because there are concerns that these foods contain microorganisms and bacteria that may affect the life and health of local residents. In addition, you are not allowed to bring in fresh plants, even plant seeds, soil, vegetables and fruits, to avoid mixing them with marijuana and bringing marijuana to Singapore for planting; in addition, live insects or insect specimens, as well as other insects that are harmful to plants, are also prohibited.

Summary of loan conditions and considerations for postgraduate study in Singapore

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