英文翻译（请帮我翻译一下以下的内容）

Study abroad foreign exchange loan is the Bank of China issued to the borrower, used for solving the education of people go abroad for master or above degree required tuition and living expenses of the foreign exchange loan. Credit limit : no more than the total costs ( tuition fee and normal living expenses ) 80%, single amount of the principle of no more than 40000 dollars. The term of the loan : generally one to six year lending rate: according to the Bank of China the same grade loan rates. The period within a year ( including one year ), according to the contract interest rate, met the statutory rate adjustment, the contract interest rate unchanged; the term is over one year, if the interest rate adjustment, according to the Bank of China interest rate adjustment on the provisions for the adjustment of interest rate. Loan conditions: ( a ) at least 18 years of age, with full civil capacity of natural person; ( two) a local resident accounts or valid residency, fixed and detailed address; ( three) providing overseas school official admission notice or receive a letter, learning period required tuition proof material; ( four) may provide our Bank approved collateral, pledge, guarantee guarantee or purchase performance guarantee insurance; ( five) to less than 20% of the funds raised by oneself;