新加坡留学贷款条件与材料|留学新加坡的条件-QucikFox

Singapore is a relatively small country, but the quality of its education is highly recognized. The following is about Singapore study loan conditions and materials, Conditions for studying in Singapore, Singapore Management University Conditions for studying abroad, The conditions for high school students to study in Singapore.

Singapore study abroad loan conditions and materials

1. Conditions and materials for studying abroad in Singapore

1. Application Conditions for Study Loan in Singapore

When applying for a student loan in Singapore, certain conditions must be met, such as a guarantor with a Singapore household registration. Only when these conditions are met can an application be made. The specific conditions are as follows:

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

2. The borrower has no violation of law and discipline, is in good health, and has the character of being honest and trustworthy;

3. If the borrower is a student studying abroad, he 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 family member or spouse of a person studying abroad, he or she should have a permanent residence or other valid residence status within the area under the control of the lender, have a fixed residence, have a stable occupation and source of income, and be able to repay the principal and interest on schedule Ability;

5. The borrower should hold the admission notice or other valid admission certificate issued by the overseas school of the person who intends to study abroad;

6. The borrower must provide the property mortgage, pledge or third-party guarantee recognized by the lender. Mortgage properties are currently limited to real estate that can be mortgaged; pledges are currently limited to treasury bonds, bank certificates of deposit, corporate bonds and other securities; the guarantor should be a legal person or natural person with compensatory ability, and willing to bear joint and several repayment responsibilities ;

7. Other conditions stipulated by the lender.

The amount of the loan for studying abroad shall not exceed the sum of the RMB equivalent of the application fee stated on the admission letter or other valid admission certificates of the overseas school, the tuition fee within one year, living expenses and other necessary expenses, and shall not exceed RMB 500,000. At the same time, the following conditions must be met:

If the real estate that can set the mortgage right is used as the mortgage, the loan amount shall not exceed 60% of the value of the collateral approved by the lender;

If the pledge is pledged by treasury bonds or the Bank's certificate of deposit, the loan amount shall not exceed 80% of the value of the pledge; if the pledge is pledged by corporate bonds, the loan amount shall be determined according to the credit of the bond issuer, and the amount shall not exceed 60% of the face value of the pledge;

In addition to the Singapore study abroad loan, you can also apply for Singapore study abroad grants and scholarships. These do not need to be repaid and do not require a guarantor, but you must provide proof of family difficulties. The school or government will then award the scholarship based on the submitted proof and the student's academic performance.

2. Application materials for Singapore study loan

1. The original and copy of the applicant's and spouse's ID card, marriage certificate, household registration book or valid residence certificate issued by an authorized institution;

2. The admission letter issued by the school where you plan to study abroad, the letter of acceptance and other valid admission certificates and relevant necessary fee certificates, as well as the proof of your academic qualifications;

3. Provide a Chinese citizen with full capacity for civil conduct as the domestic agent of the borrower, and provide the ID card, relevant proof of residence and mailing address of the domestic agent.

4. If the property is mortgaged or pledged, the certificate of ownership of the mortgaged property or the original document of the pledged property and the proof that the person with the right to dispose (including the property co-owner) agrees to the mortgage or pledge shall be provided. If necessary, the certificate issued by the competent department shall be provided. Valuation certificate of mortgage (pledge);

5. If the guarantor is a legal person, the guarantor should issue a written document agreeing to the guarantee (if the guarantor is a branch of the legal person, the legal person authorization guarantee document should be issued at the same time), the business license of the legal person, the audited financial statements of the previous year and the recent period, and relevant credit information Evidence materials; if the guarantor is a natural person, the guarantor's ID card, household register, income or property certificate and other credit certificates shall be provided;

6. Other information required by the lender.

There are three main types:

1. Real estate mortgage: the loan amount shall not exceed 60% of the value of the collateral approved by the lender;

2. Pledge: The loan amount shall not exceed 80% of the value of the pledge.

3. Credit guarantee: If a third party provides joint liability guarantee, if the guarantor is a legal person recognized by the bank, the full amount can be granted; if the guarantor is a natural person recognized by the bank, the loan amount shall not exceed 200,000 yuan.

2. Why choose Singapore to study abroad?

1. Good social order

Safety is the primary concern of international students and parents. Singapore’s citizens are of high quality, and the government has formulated strict laws and regulations to provide students with credentials and channels to protect their rights. It is one of the countries with the lowest crime rate in the world, and its social security index has always been ranked among the top in the world. Let the majority of international students have no worries during their study.

2. High quality education

The quality of education in Singapore ranks among the top in Asia. The Singaporean government attaches great importance to education. In the budget, education expenditure ranks second, second only to defense expenditure. The education diploma has high gold content and is internationally recognized. It can be applied for further studies and employment in countries such as the United Kingdom, the United States, Australia and Canada. Primary schools in Singapore have to take graduation exams from primary school to junior high school, and there are O-level and A-level comprehensive tests at the middle school level. National universities, especially the National University of Singapore and Nanyang Technological University, have always been among the top universities in Asia.

3. Golden Springboard

Most of the students who go to Singapore to study do not take this place as their final destination. According to statistics, about one-third of Chinese students will use Singapore as a springboard for studying in a third country in the future, so Singapore is also Known as the golden springboard!

4. Low cost

The cost of studying abroad has always been a problem that everyone pays more attention to. The annual tuition and living expenses of public middle schools in Singapore are generally between 100,000 and 160,000 RMB, and the annual tuition and living expenses of higher education are generally between 150,000 and 230,000 RMB. Compared with the high-quality education it provides, the cost is relatively low and cost-effective. In addition, the Bank of Singapore also provides high tuition fee-free interest-free loans for overseas students who have been admitted. The loan amount is 90% of the tuition fees of local students in Singapore. And all walks of life also provide rich scholarships for students.

5. Short distance, no time difference

The distance between Singapore and China is short, usually it takes about 4 hours by flight, you can arrive there after a night of sleep, and you can go back and forth on weekends. Moreover, there is no time difference with mainland China, which is convenient for students to adapt to the life of studying abroad and visit their parents as soon as possible.

6. Good employment environment

Singapore is currently transitioning towards a knowledge-based economy. Developing in the fields of healthcare, education, tourism, emerging technology industries, creative industries, biomedical technology industries, etc., it provides a large number of employment opportunities for graduates studying in Singapore.

3. Language requirements for different stages of studying in Singapore

1. High school or below

Generally, you need to study in a language school for 3 months first, and after 3 months, you can continue to choose a language or go to a third year. Because those who graduate from the third year of junior high school in China basically have to downgrade their studies.

Secondary schools in Singapore last for 4 years. By the time of SEC4, you have to prepare for the O-Level exam. This exam is very important.

Government secondary schools in Singapore charge very low fees, but they need to pay sponsorship fees ranging from 1,000 to 2,000. If the student is under the age of 16, parents can also apply to accompany them.

2. High school degree and college degree

There are two situations here. One is that students whose college entrance examination scores exceed the local undergraduate admission threshold by more than 20 points, TOEFL scores of 550 or higher, or students who have taken the Singapore-Cambridge Education Examination and have reached A-level can directly apply to government universities.

If English is not very satisfactory, just like graduating from junior high school, you must first take a 3-month intensive language course.

3. Bachelor degree

Singapore's public institutions have relatively high requirements for college entrance examination results, not to mention the requirements for English proficiency. Private schools in Singapore have relatively loose language requirements, and you can take language courses in Singapore to make up for your IELTS score without IELTS scores.

Public universities: IELTS (IELTS) 6.0 or above (single score no less than 5.5) / TOEFL (IBT) 80 / SAT1 reading 600 and writing 600.

Private universities: IELTS (IELTS) around 5.5 is enough, or you can take language courses without IELTS scores.

4. Master's degree

The language requirements for graduate students are also relatively high. For example, Nanyang Technological University requires graduates from regular universities with a bachelor's degree officially recognized by the state, and a TOEFL score of 580 or above.

If the English proficiency is not up to the requirements, you can first read the English intensive course of the Singapore language school.

Public universities: IELTS score above 6.5.

Private universities: IELTS score of 6 or above, can also be replaced by language courses.

Summary of conditions and materials for studying abroad in Singapore

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