阅读正文

《签证十谈》之六:我自清白(资金来源)

[日期:2006-03-26] 来源:ChaseDream论坛 作者:steven [字体: ]
合理分配资助人,合理解释资金来源,坦然面对签证官。

许多CDer拿到录取通知的欣喜之后,面对巨额昂贵的学费就一愁莫展了。特别是MBA申请人,连续两年的学费以及生活费,加在一起要有10多万美金,将近100多万人民币,大多工薪阶层不靠借款是很难筹措资金证明的。许多top bschool的学生是可以获得不需要co-signer的贷款的,可是又听说贷款会对签证不利,将来还贷款的压力大,就增加了移民倾向。于是亲戚朋友借债,好不容易筹措了足够的钱,却面临着另外一个难题,如何解释这些钱是怎么来的?去年身边就有很多这样大额举债的案例,一律是以资金不足而被拒的。

特别想更正很多CDer这方面的误解。事实上,读MBA是巨大的投资,就是对于大多数美国人自己,也是需要贷款才能读的。签证官明白当下的中国人收入水平,除了自己有business的家庭,能够一下子拿出100多万是大多数工薪家庭达不到的,但是将来回到中国,凭着MBA的学历以及过去工作经历,还上几十万的贷款,却也不是大问题。这样的情形下,工薪家庭的申请人,选择部分贷款合情合理,比自己凑出100多万,更能让签证官相信你讲的是实话。

分配资助人,合理也是非常重要。有的CDer自己工作不过两三年,那么自己就少出些钱,父母就多出些钱。有的已经工作有七八年了,那么自己就可以多出些,父母少出些钱。如果自己是国营企业,工资收入有限,那么可以考虑父母或者配偶多出些。 签证官实际上对中国各个城市,各类行业,各种国营外资企业的收入水平比较清晰,如果你开出的收入证明与平均水平差别过大,签证官就会产生质疑。自己出资,父母或者配偶出资,以及贷款比例按照合理的原则来确定,资金来源按照合理的水平来解释,才能真正走过资金不足这一关。

关于资助人特别想提一下,除了父母,就是配偶,顶多是配偶父母(配偶是独生子女),其他人作为资助人,甚至包括亲兄弟姐妹,在老美看来都不太合理。美认为每个人都是独立的,别人没必要借那么多钱供你读书,你肯定会一签完证就还钱的,到时候仍然资金不足。

Libra签经精采片断分享

VO:你怎么应付你的学费?
ME: 我自己的积蓄。
VO:你的月薪是多少?
ME:很难说。(此时VO表示诧异)我的收入成分很复杂,包括Commission, bonus, stipends. 所有的加起来大概*****
VO:难道你没有基本工资吗?
ME:当然有,是*****。(VO在DS156上狂写)。

完整签经请见:https://forum.chasedream.com/dispbbs.asp?boardid=27&id=4123

karinzhang签经节录与点评

注:文中划横线的为子溪点评,未划线部分为作者自己的插注。

M: My personal saving and my parents’ saving will help me to pay for the rest.
V: (nodded) Show me your bank certificate.
M: Here is the bank certificate of my own saving, and here is the certificate for my mum’s saving.

V: (looked at the certificates for a while) All your money were saved in 2003?大部分签证申请者都存在的问题,VO们都很清醒
(I was very nervous at that moment, because I knew that would be the most challenging part for me)
M: You know, all the admission and scholarship were confirmed in April, and since the interest rate for the deposit at bank is very low, it didn’t make sense for me to put all the money with the bank before that. (Karin并没简单说是存在股票市场,而是分析了下存款利率,听起来比较可信。)

V: But again, how can I believe it’s your money since all of the saving are in 2003? (紧追不舍,事实上这些人大部分人的问题
M: I brought with me the certificate of my income tax, and the certificate of income issued by xxx (I tried my best to mention my company’s name, I hope it would help a little bit because of its good relationship with the US Consulate) (不错,回答得比较好
(V nodded, I handed the documents in)

V: Your bank book? (继续寻找其他办法验证突然存款
M: Here you are, but it didn’t show all the information you want, because not all of the money was in this account.
(Originally I didn’t prepare to bring them since I thought the book does not bear the necessary information, but fortunately I did, that’s something VO wanted, and it’s better that you have them with you.)

V: but it’s also from 2003.  (果然有问题
M: yes, because the old one was full of records and was taken back by the bank.

V: What is your salary? (通过资金来源的方式来看karin是否说真话
M: around xxx every month.

V: so where did you put your money? (显然对于karin的收入还满意,继续追问钱去哪里了
M: in the stock market.

V: show me the print slip of the transactions.
M: sorry, I didn’t print that. (没打印就不能消除VO的怀疑

V: and how about your parent’s money… they are also from 2003. (先放下karin的,又去看她父母的,结果有同样的问题
M: the same story, they don’t usually put the big amount of money with the bank, the money was also in the stock market.

V: Show me the bank book.
M: I have the business license of my mother's private company…

V: no, I want to see the bank book.
M: OK, here you are, but again, it only has the information of the savings on the certificate.

V: ….
M: (I didn't hear very clearly) I’m not sure….

V: You told me you invest your money in the stock market for a better return, but you cannot name the stocks you bought? (这个VO 比较有耐心,选择另外的方式来解除疑问
M: Sorry, I didn’t hear your question very clearly.  I bought xxx.

V: what was the price when you bought them?
M: about xxxx

V: what’s the price when you sold them out?
M: about xxx

V: what is the percentage of your return?
M: about xx percent (紧张的要命还让我作算术…)(通过这种快速问答来检验karin是否真地做股票

V: what else did you buy? You only bought one stock?
M: actually this was the one I got biggest return, you know the stock market was not doing very well for the past months.

V: When did you start to invest in the stock market?
M: in 2001.
V: When did you start to work?
M: in 2000.

V: (probably she didn't hear clearly, and pointing the DS158) it shows you started your work in 2000.
M: I did say I started in 2000.
V: I thought you said in 2002.
M: No, it was in 2000.
V: OK
V: I think you are qualified for a visa.

M: (惊魂未定,觉得刚才好像所有的问题都直指我的死穴…) so the interview is done?
V: what do I mean when I said you are qualified?
M: Thank you.
(正要卷铺盖走人…又一惊)
V: wait, can I have your I-20?
M: I think you have it, I submitted it with the forms.
V: but now you have it, I just gave it back to you.
(在一堆她还给我的文件中看到I-20,递给她,JFMM开始打电脑)
V: Oh sorry…
(my god, what's wrong again?)
V: My SEVIS system is down.
V: You are qualified, but I cannot issue the visa to you today. I will call you later.
M: Do I need to bring anything else next time?
V: No.
M: OK, thank you.

完整签经请见:https://forum.chasedream.com/dispbbs.asp?BoardID=27&ID=7018

从Karin整个interview过程可以清晰看到VO对中国人资金可能出现的问题的了解,也可以看出没有任何证据,Karin仍然成功地使VO相信她的股票投资。

郑重提示:签证十谈所涉及的任何原则都会有特例,个案不能说明规则的不存在。同时,也非常欢迎广大CDer给予纠正和补充, 让我们的十谈对签友更有指导意义!

为了让留学签证十谈更简短清晰,将初次接触签证所需要知道的签证基本常识做成附录。
《签证十谈》附录——签证基础:
https://www.chasedream.com/show.aspx?id=1738&cid=32

--------------------------------------
原文引自:
https://forum.chasedream.com/dispbbs.asp?boardID=27&ID=163277

参与查看签证讨论及查看更多的相关文章请访问【签证专区】
https://forum.chasedream.com/list.asp?boardid=27

打印 | 录入:Zeros
相关文章      
ChaseDream版权声明
活动日历
在线
05-30
PwC 直播 数字化趋势下如何
以数据分析能力出击职场
在线
06-02
"中大商业智慧"讲座系列
原油期货 ETF
在线
06-02
清华-康奈尔双学位金融
MBA 答疑 & 1 对 1 咨询
在线
06-05
清华-康奈尔双学位金融
MBA 答疑 & 1 对 1 咨询
在线
06-05
港科大 HKUST MBA 名师
示范课 The Rise of Bitcoin
在线
06-07
教授公开课暨清华-康奈尔
双学位金融 MBA 说明会
在线
06-08
香港大学 HKU 全职 MBA
招生说明会
在线
06-10
香港大学 HKU 在职 MBA
招生说明会
在线
06-20
港科大 HKUST MBA
宣讲和校友分享会

<< 查看更多 >>