Studying pass loans refers to special loans granted by the lender to the borrower to resolve the use for study abroad of borrower or its legal guardian.

Loan conditions:

Chinese citizens having a fixed residence and a local permanent residence registration in cities or towns (or a valid residence certificate) with full civil capacity; may apply to the Harbin Bank for "study-pass" loans;

Having acceptance letter to attend schools abroad and the cost certificate required for study abroad;

Providing stable income source of borrower or income certificate with the ability to pay recognized by lender;

Other conditions ruled by lenders.

Lending rate:

In accordance with the relevant provisions of the People's Bank of China.

Term of loans:

No more than 1 year (inclusive).

Loans to exiting laborers are for surplus labors with certain working skills, they need it to carry on exit procedures but they are lack of self-financing, so Harbin Bank issue RMB loan guarantee used for overseas fees pursuant to certain conditions.

Applying loans to exiting laborers should meet the following conditions:

*Chinese citizens over 18 years old, health, having a fixed residence in cities or counties in Heilongjiang province, and a local permanent residence registration in cities or towns (or a valid residence certificate) with full civil capacity;

*Being trained qualified at an unit with labor export training qualification and possess the necessary working skills;

*Must be recommended by companies with international labor export qualification, and can provide guarantee recognized by handling banks;

*Law-abiding, no illegal behavior, discipline and other bad credit record;

*Borrowers open Lilac Card or current savings account at Harbin Bank, and sign the agreement with the lender to agree to deduct or receive the principal and interest of loans from Lilac Card or savings account;

*Other conditions ruled by banks.

Loan amount:

Amount of single loan of overseas workers in principle should be no more than 50,000 (inclusive).

Term of loans:

Term of loans to exiting laborers is no more than 2 years, and may not apply for renewal after the expiry.

Loan interest rate:

The interest rate of loans to exiting laborers is according to relevant regulations of the People's Bank of China.

Stand-by loan for study abroad

Stand-by loan for study abroad refers to the commercial studying loan granted by the lender to the borrower to resolve the borrower or his legal guardian the charge needed to handle attending procedures of overseas college (including matriculation) and above qualifications or degrees.

Loan conditions:

* Chinese citizens having a fixed residence at the areas which the branches of Harbin Bank located and a local permanent residence registration in cities or towns (or a valid residence certificate) with full civil capacity;

* Having acceptance letter to attend schools abroad and the cost certificate required for study abroad;

* Provide self-financing not less than 10% of the cost;

* Provide self-assets certificate not less than 150% of loan recognized by lender;

*Providing stable income source of borrower or income certificate with the ability to pay recognized by lender;

* Be able to provide legal and effective security procedures recognized by lender;

*Other conditions ruled by lenders.

Loan amount：
Amount of stand-by loan for study abroad in principle should be no more than 90% of the total amount required by the student.

Loan interest rate:

According to relevant regulations of the People's Bank of China.

Term of loans:

No more than 1 year (inclusive) in principal.