Step 9: If applicants complete their studies in NZ before the duration of their loan, they need to contact INZ for a certification letter, which they can take to CIB or BOC to release their funds.

• 第九步: 如果申请人在贷款期结束前已完成其在新西兰的学业，他们可以联系新西兰移民局出具一份证明其已结束学业的证明信。新西兰移民局签发该信后，申请人可以凭此信要求中信实业银行或中国银行解冻他们的资金。