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“五万存款”这个梗,为何频繁出现在各国签证申请中?

不知道从何时开始,签证申请者会把“五万存款证明“挂在嘴边,受理过那么多的签证,收到的关于这个的咨询没有上千也有几百了,那到底在签证申请中,”五万存款证明“到底有没有用呢?

说到这个我们先说说存款证明是什么?一般在发达国家签证申请过程,各国领馆为了更全面考核签证申请人的综合条件与资产水平,而存款证明则属于资产的一类证明。所以其实五万存款证明包含了“定期存款证明”与“活期存款证明”。而事实上,最早出现五万存款证明的地方是各地的旅行社,而这里的存款与上述两个定义都不同,早期有许多申请人在旅行社申请了签证,但没有按时回国,导致该旅行社被领事馆处罚,所以越来越多的旅行社才会要求申请人提供存款证明作为保证金,以确保申请人按时回国拿回保证金。

这也是这个梗最开始的来源。

存款证明
存款证明

那如果抛开旅行社这保证金的说法,在申请签证的过程中提供5万存款证明到底有没有用呢?首先,先区分定期存款活期存款的区别,前者是有和银行约定取回期限,到期后才可以取回该存款;而后者则是随存随取,该证明只能证明申请人在截止某个时间点的时候银行账户里的存款余额。所以如果说作用,活期存款约等于0,定期存款有一定的帮助。

随着银行业务的发展,现在定期存款已经不像以前必须等到一定的期限才可以取回了,现在你要你愿意付一定的违约金(5万存款大约几百块)就可以提前把你的存款从银行取回。所以许多申请人会在签证申请之前存一笔定期存款,然后签证下来后就把存款取回,而领事馆需要的是确认申请人在国内有一笔定期,取回时间是回国后,这样以确保申请人不会滞留在该国。随着银行政策的改动,领事馆也了解了这种“漏洞”,所以现在定期存款的作用也几乎略等于0了。

五万定期存款
五万定期存款

现在大家对“五万定期存款”的含义应该了解了吧? 最后,麦田给大家一点建议,在发达国家签证申请的过程中,最重要的资产证明始终是申请人近半年的银行账单,不需要有大的余额,也不需要多大的流水,只要账单符合申请人现有工作的身份,作用远远比存款证明更重要。如果需要了解银行流水的标准,可以看看以下这篇文章:澳洲签证申请,银行流水需要满足什么要求?

原创文章,作者:麦田,如若转载,请注明出处:http://www.martinvisa.com/sharing/181.html

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