MBAgal_2007

Hello, thanks very much for your ideas.

So both loan and deposit are necessay. Loan is the true tool to finance our study while deposit is to ensure the VO giving us the visa. I feel it's kind of stupid. If we are granted the loan, why still need deposit? Not sure. Is this the normal case? Are people all doing things in this way after they get admitted then start to apply visa?

Moreover, it's said once we are admitted, we are automatically considered to get loan (of course we need to apply for those universities that provide such kind of loan.) So what is the normal amount we borrow? $50k or more?

Thanks and let's share ideas.

bobiouou

Your understanding is right.

If you study at a top10 school, you will spend $110-120K for two years.

elitist

如果签证的时候用学校提供的贷款，估计签证官很可能判断你为了还贷款，肯定要留在美国找工作，而不是return to china.除非，回国的工资狂高。。。

MBAgal_2007

以下是引用lemonees在2006-3-9 0:50:00的发言：

按道理，贷款可以作为签证的资金证明；

但为保险起见，最好自己借钱，凑一个足够的存款证明，至少cover第一年的费用。

Hello dear friend,

I understand what you mean. So when should we prepare this kind of deposit? Say if we aim to be enrolled in 2007 fall, shall we borrow and collect the money and save in the bank in 2006? Or any specific time? I kind of need help on problems related to "money"..haha. Thanks if anyone can help.

zixiawest

No specific time limit.

But the longer the better. As I know, many friends have deposit in bank more than 3 months or so before visa application.

MBAgal_2007

Hi dear friend,

Then for those who don't have deposits in bank but have loan financing, how likely are they going to get passed in visa application?

Really thanks a lot.

zixiawest

Most of them would borrow enough money to put in his/her account or the parents' account.

But I belive a few may use loans provided by citibank to apply for visa. But that's a little risky.

vagrant

yes. it's ridiculous that we have to prepared two financial plans. hehe