大家贷款都一次性贷两年还是先贷第一年的? 有没有已经批了的同学?

shallshallweUID: 2185664

请问一句，对方学校贷款的话， 对过签证会不会不利呢？VO会不会觉得无法有足够经济能力支付也要出国，就有移民倾向了呢？这个问题，我一直很困惑……谢谢各位高手指点一下:loveliness:

skyflyerqqUID: 2425999

条款上写的很清楚 不建议贷款，会认为你会滞留美国赚钱来还贷款

shallshallweUID: 2185664

对啊，我也这么考虑的，所以是不是能去的都要比较有银子的说，呵呵

lisaswniUID: 2224557

哪个条款呢?

meltyUID: 202495

可以贷。你只要证明你有能力还就行，不存在滞留美国的情况。
我想这个是逻辑问题，不是条款问题。

再说有一个说法，哈佛的录取生就算要留美国，VO也没意见，多几个普利策奖得主有什么不好;d:

[ 本帖最后由 melty 于 2008-4-1 15:46 编辑 ]

lisaswniUID: 2224557

我本来是觉得签证官如果了解建筑这行当的话,应该觉得想早点还钱的人应该会赶紧回来....

skyflyerqqUID: 2425999

是Pratt给我的材料里有：签证注意事项， 里面有的，等我找到了把原话发过来。。
那个看上去就像是美国签证的原则。

skyflyerqqUID: 2425999

6.       
If your financial status is an issue, you may want to pay tuition to the school in advance and present the receipt to the consular official. The offical will almost certainly respect this gesture. Bank loans are NOT good evidence of financial support for students. Consular officials think that people with loans are more likely to seek employment in the U.S. so they can pay back the loan.

yebicen0626UID: 2178797

谁解释一下这个什么意思? 对银行方面比较清楚的男生帮个忙....
Annual Percentage Rate (APR) Example
Alternative Loan Graduate
Interest Rate APR Loan Fee Principal Amount
Entering Repayment Monthly Payment
Prime Rate - 0.50% 5.43% 0.00% $8,990.00 $61.84


Alternative Loan Graduate Annual Percentage Rate (APR) Example
Each APR example is based on borrowing a $8,000.00 loan with a 27-month deferral period followed by a 240-month repayment. The Prime Rate is assumed to be constant at 6.00%.

Interest rates may vary and are indexed to the Prime Rate as published in The Wall Street Journal. As of Friday, February 29, 2008 the published Prime Rate was 6.00%. The APR will increase if the Prime Rate increases and would result in higher monthly payments, an increase in the number of scheduled payments, or both.

最後の使徒UID: 2257608

prime rate指的是美国规定的一个基本利率，学生贷款的利率少些，可以减去0.5%
这里举的例子的事借了8000刀，27月之后开始还，用240个月还，每个月的prime rate假设为6%，那么算出来应该是每个月还61.84刀，240个月全部还完
应该是用连续利率算出来的，我没具体算

另外小米根我说不用现在申请，到那边再说……

yebicen0626UID: 2178797

如果你不需要将这笔钱用作I-20的话 现在可以不用申