New Zealand Immigration Service (NZIS) introduces the Student Bank Loan Scheme to facilitate easier processing of student visa applications from Chinese people who want to go to New Zealand. It will make it easier for applicants or their parents to prove their financial ability to support the intended duration of study in NZ. Step 1: Applicants (or their parents) will apply for a loan to CIB directly. Step 2: CIB then considers the application for a loan. CIB requires deposits in the bank to be frozen and that they are at least 10% larger than the loan amount required. Step 3: If the loan is approved, CIB will then issue an ’Advice for Study Loan Abroad’ document to the applicant or their parents. Step 4: The applicant then lodges their visa application at the New Zealand Immigration Service (NZIS) together with their ’Advice for Study Loan Abroad’ document.Step 5: The NZIS processes the application (which may include verification of the ’Advice for Study Loan Abroad’ document) and if satisfied will notify the applicant that they have been approved-in-principle. Step 6: The applicant takes this notification to the bank and completes a special application form to activate the loan. CIB will then issue a ’Certificate of Credibility. Personal Loan for Study Abroad’ document, showing that the loan has been activated. Step 7: The applicant submits this document, together with the any other approval-in-principle requirements to NZIS, who then finalizes the application. Step 8: If the applicant completes their study in NZ before the duration of their loan, they contact the NZIS to get a letter saying that they have completed their study. NZIS will then issue a letter which the applicant then takes to CIB to release their funds.The following steps explain the operational procedures for the use of bank loan. A. Students apply to CIBB. CIB considers the Bank LoanC. CIB issues ‘Advice for Study Loan Abroad’ if loan approved D. Students lodge applications to NZISE. NZIS processes applicationsF. Students go to CIB to activate bank loan if applications approved G. Students provide ‘’Certificate of Credibility. Personal Loan for Study Abroad’ to NZIS to have their visa labels issued H. Students contact NZIS when course completed. The applicant takes the notification from NAIS to the bank and completes a special application form to end the loan.

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