一个关于QUEEN的问题

albert

我看了QUEEN的网站说学校会给所有"QUALIFIED STUDENT"  COVER银行的贷款利息..
我的理解是只要被录取了就可以申请到银行贷款且不用付利息..可是我记得这里有人说过申请这些贷款需要CO-SIGNER...

请熟悉QUEEN 的finance 政策的帮忙告诉我哪个对?

谢谢!

iflu

非也非也，并非录取了就可以有贷款，你自己打电话去问吧，每个人情况都不同，每年情况还不同呢。我朋友去年是公民都不合格拿贷款，最后QUIT了。白交了2000DEPOSIT。不过还好去了ROTMAN，拿了贷款。

albert

以下是引用iflu在2004-2-5 23:02:00的发言：
非也非也，并非录取了就可以有贷款，你自己打电话去问吧，每个人情况都不同，每年情况还不同呢。我朋友去年是公民都不合格拿贷款，最后QUIT了。白交了2000DEPOSIT。不过还好去了ROTMAN，拿了贷款。

谢谢IFLU...

你的朋友不能申请到贷款是不是因为学校认为他有足够的能力负担学费? 还是其他原因?
谢谢!!

iflu

不知道，反正后来他去了ROTMAN拿了贷款，唯一的条件是让他CANCEL一些信用卡，因为他的信用卡的所有的额度加起来已经太高。

wyxgeorge

去年和今年的情况不一样

c800

Hi all,

I have just found some threads in this forum regarding the loan and want to share info with you.

I consulted some Queen's alumni. It seems RBC's policy fluctuates every year according to economic situation. It is said almost all students of class 2003 got loan for tuition and living expense except one was not qualified. That guy managed to get loan from other bank finally. Rule was stricter for class 2004 and not everyone got full loan, I mean tuition plus living expense. I have no info for class 2005 so far. According to Queen's admission team, loan is not guaranteed and co-signer may be required.  

The following message from wyxgeorge is very encouraging.
"以下是引用wyxgeorge在2004-1-27 11:22:00的发言：
The credit representative did tell me a cosigner was required last year, but is not necessary this year. I already applied by myself and am waiting for approval. If interested, you can call 1-800-769-2599 (option 4) to speak with one of a credit representative  who is available 24 hours a day, 7 days a week.Good luck!"

So wyxgeorge, how is your loan application so far?

But I have also found the following from BusinessWeek from another landed immigrant who got offer from Queen's. Not very good news.
"RE: RBC loan program

I have received an email from RBC. It says:

Those applying with limited credit history and/or little net worth may be asked to obtain a co-signor or provide cash collateral for the loan.

I don't know if my credit history is enough. I have spent 6 months in Canada, and the only credit I have had is my credit cards. I have sent an email to RBC, but get no response."

Hope to get more info from others

albert

Veeeeeeeeeeeeeeeeeeeeeery useful information. THank you for your kindness,c800

Anybody know more about queen's finance policy this year, please let us know. THanks a lot.

以下是引用c800在2004-2-6 15:19:00的发言：
Hi all,

I have just found some threads in this forum regarding the loan and want to share info with you.

I consulted some Queen's alumni. It seems RBC's policy fluctuates every year according to economic situation. It is said almost all students of class 2003 got loan for tuition and living expense except one was not qualified. That guy managed to get loan from other bank finally. Rule was stricter for class 2004 and not everyone got full loan, I mean tuition plus living expense. I have no info for class 2005 so far. According to Queen's admission team, loan is not guaranteed and co-signer may be required.  

The following message from wyxgeorge is very encouraging.
"以下是引用wyxgeorge在2004-1-27 11:22:00的发言：
The credit representative did tell me a cosigner was required last year, but is not necessary this year. I already applied by myself and am waiting for approval. If interested, you can call 1-800-769-2599 (option 4) to speak with one of a credit representative  who is available 24 hours a day, 7 days a week.Good luck!"

So wyxgeorge, how is your loan application so far?

But I have also found the following from BusinessWeek from another landed immigrant who got offer from Queen's. Not very good news.
"RE: RBC loan program

I have received an email from RBC. It says:

  Those applying with limited credit history and/or little net worth may be asked to obtain a co-signor or provide cash collateral for the loan.

I don't know if my credit history is enough. I have spent 6 months in Canada, and the only credit I have had is my credit cards. I have sent an email to RBC, but get no response."

Hope to get more info from others

wyxgeorge

to c800: give RBC a call, you will know everything immediately.

know0588

Hi Albert,

Long time no see. How was your Ivey thing?

I think Queen's has this policy to garrenty for all of citizens and landed immigrants.  I asked Glory about how to finance my study, she mentioned about this loan.

c800

以下是引用wyxgeorge在2004-2-7 3:32:00的发言：
to c800: give RBC a call, you will know everything immediately.

Thank you, wyxgeorge.