Business Varieties貸款業(yè)務(wù)種類
Educational loans include commercial educational loans and state educational loans with fiscal interest discounts.
助學(xué)貸款包括商業(yè)性教育助學(xué)貸款和財政貼息的國家助學(xué)貸款兩種。
1.Commercial educational loans
1、商業(yè)性教育助學(xué)貸款
Commercial educational loans refer to consumer loans granted by the lender to borrowers to finance the tuition and miscellaneous fees (including the traveling expenses for going abroad) of the borrowers or the persons under their legal guardianship in studying at domestic secondary schools or ordinary higher learning institutes or for master's or doctor's degree, or studying at universities or for master's or doctor's degree outside the territory with approval.
商業(yè)性教育助學(xué)貸款是指貸款人向借款人發(fā)放的用于借款人自己或其法定被監(jiān)護(hù)人就讀國內(nèi)中學(xué)、普通高校及攻讀碩士、博士等學(xué)位或已獲批準(zhǔn)在境外就讀大學(xué)及攻讀碩士、博士等學(xué)位所需學(xué)雜費(fèi)用（包括出國的路費(fèi)）的消費(fèi)貸款。
1.State educational loans
2、國家助學(xué)貸款
State educational loans refer to educational loans granted by the lender to borrowers that are given fiscal interest discounts by the central financial authorities or local financial sector, and are used for the tuition and miscellaneous fees, lodging and living expenses of the borrowers in studying at domestic higher learning institutes for full-time undergraduate, professional or graduate courses.
State educational loans belong to credit loans and enjoy a 50% fiscal interest discount, and their applicants must meet the condition that the involved schools have access to state educational loans. Loans for studying abroad are currently limited to commercial loans.
國家助學(xué)貸款是指貸款人向借款人發(fā)放的由中央財政或地方財政貼息，用于借款人本人或其直系親屬、法定被監(jiān)護(hù)人在國內(nèi)高等學(xué)校就讀全日制本、專科或研究生所需學(xué)雜費(fèi)和生活費(fèi)用的助學(xué)貸款。
國家助學(xué)貸款屬信用貸款，并且享受50%的財政貼息，但申請人必須符合所在學(xué)校享受國家助學(xué)貸款的條件。出國留學(xué)貸款目前只適用于商業(yè)性貸款。
Educational loans include commercial educational loans and state educational loans with fiscal interest discounts.
助學(xué)貸款包括商業(yè)性教育助學(xué)貸款和財政貼息的國家助學(xué)貸款兩種。
1.Commercial educational loans
1、商業(yè)性教育助學(xué)貸款
Commercial educational loans refer to consumer loans granted by the lender to borrowers to finance the tuition and miscellaneous fees (including the traveling expenses for going abroad) of the borrowers or the persons under their legal guardianship in studying at domestic secondary schools or ordinary higher learning institutes or for master's or doctor's degree, or studying at universities or for master's or doctor's degree outside the territory with approval.
商業(yè)性教育助學(xué)貸款是指貸款人向借款人發(fā)放的用于借款人自己或其法定被監(jiān)護(hù)人就讀國內(nèi)中學(xué)、普通高校及攻讀碩士、博士等學(xué)位或已獲批準(zhǔn)在境外就讀大學(xué)及攻讀碩士、博士等學(xué)位所需學(xué)雜費(fèi)用（包括出國的路費(fèi)）的消費(fèi)貸款。
1.State educational loans
2、國家助學(xué)貸款
State educational loans refer to educational loans granted by the lender to borrowers that are given fiscal interest discounts by the central financial authorities or local financial sector, and are used for the tuition and miscellaneous fees, lodging and living expenses of the borrowers in studying at domestic higher learning institutes for full-time undergraduate, professional or graduate courses.
State educational loans belong to credit loans and enjoy a 50% fiscal interest discount, and their applicants must meet the condition that the involved schools have access to state educational loans. Loans for studying abroad are currently limited to commercial loans.
國家助學(xué)貸款是指貸款人向借款人發(fā)放的由中央財政或地方財政貼息，用于借款人本人或其直系親屬、法定被監(jiān)護(hù)人在國內(nèi)高等學(xué)校就讀全日制本、專科或研究生所需學(xué)雜費(fèi)和生活費(fèi)用的助學(xué)貸款。
國家助學(xué)貸款屬信用貸款，并且享受50%的財政貼息，但申請人必須符合所在學(xué)校享受國家助學(xué)貸款的條件。出國留學(xué)貸款目前只適用于商業(yè)性貸款。