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Extended Non-means-tested Loan Scheme (ENLS)


擴展的免入息審查貸款計劃」

 

 

Important Notice 

Please ensure that you have read the Guidance Notes and fully understood the terms and conditions of the ENLS loans and undertake to abide by these stipulated terms and conditions before applying for and accepting the ENLS loans in the 2019/20 academic year.

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Maximum Level of Loan Amount and Life-time Loan Limit

1.

The maximum amount of loan you may borrow is the total tuition fee(s) payable in the 2019/20 academic year provided that the amount should not exceed an aggregate of 12 months' tuition fee(s) payable and the life-time loan limit or its remaining balance stipulated below.

2.

With effect from the 2012/13 academic year, a life-time loan limit is imposed on each student eligible for receiving loans under the ENLS. The life-time loan limit for the 2019/20 academic year is HK$372,700 and will be price-adjusted annually thereafter in accordance with the Composite Consumer Price Index.

3.

Loan(s) disbursed from the 2012/13 academic year and onwards will be counted towards the life-time loan limit, which is not of revolving nature and will not be reset by any repayments. Eligible student may borrow a loan amount up to the total tuition fee(s) payable above, subject to the life-time loan limit or its remaining balance (calculated as at the date of approval of the loan application) not being exceeded. Once you have exhausted the life-time loan limit or its remaining balance, the SFO will not consider your loan application(s).

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Current Interest Rate

Please refer to "What's New" on the Government's webpage for the prevailing ENLS interest rate.

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Details and Enquiries

For details, please refer to Student Finance Office (SFO) of the Working Family and Student Financial Assistance Agency (WFSFAA) homepage: https://www.wfsfaa.gov.hk/sfo/en/postsecondary/enls/overview.htm.

For enquiries, you may wish to contact the SFO:

Address : 11/F, Cheung Sha Wan Government Offices, 303 Cheung Sha Wan Road, Kowloon (near C1 exit of the Shamshuipo MTR station)

Office hours : Mon - Fri  8:45 a.m. to 1 p.m. and 2:00 p.m. to 5:45 p.m.; except public holidays

24-hour automated enquiry hotline : 2802 2345

ENLS enquiry number during office hours : 2150 6223

ENLS fax number : 2802 9153

E-mail address : wg_sfo@wfsfaa.gov.hk

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2019/20 Application Form

You can download the application form and other relevant documents from the Student Finance Office (SFO) of the Working Family and Student Financial Assistance Agency (WFSFAA) webpage at https://www.wfsfaa.gov.hk/sfo/en/postsecondary/enls/application/forms.htm.

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2019/20 Application Deadline

Deadline for application of the 2019/20 academic year is 31 July 2020, and all the lectures of course(s) under application of the 2019/20 academic year have not been completed at the time of application submission.

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Reminder

(1)

"Learn to Manage Money Before It Manages You- Think twice about your repayment ability before you apply for any loan.

(2)

Application should be submitted to the government’s Student Finance Office (SFO) at 11/F, Cheung Sha Wan Government Offices, 303 Cheung Sha Wan Road (near exit C1 of the Shamshuipo MTR station) (Mon - Fri 8:45 a.m. - 1:00 p.m. and 2:00 p.m. - 5:45 p.m.; except Public Holidays).

(3)

You may apply for ENLS loan even if you have already paid your tuition fees provided that you submit complete application before the deadline (31 July 2020) and all the lectures of course(s) under application of the 2019/20 academic year have not been completed at the time of submission. As you have already paid the tuition fees, your entitled ENLS loan will be made to you by autopay.

(4)

If you have settled tuition fee(s) when submitting application, the payment(s) will be made by autopay to your bank account filled in the ENLS application form. Please visit Finance Office’s “Student Account Enquiry” (https://www40.polyu.edu.hk/fosae/) to print the payment receipt as supporting document.

(5)

If you have not settled tuition fee(s) when submitting application, the payment(s) will be made by cheque payable to The Hong Kong Polytechnic University. You should ensure the payment amount and schedule when you fill in the application form.  For the general payment schedule, you may refer to the webpage of Academic Secretariat at https://www.polyu.edu.hk/as/web/filemanager/en/content_27/paymentschedule.pdf. For getting verification letter for your application, you may approach your Department for help.

(6)

Neither your application nor the approval for an ENLS loan carries any implications that the payment deadline of your tuition fee has been or will be deferred by PolyU. It is your own responsibility to ensure that you are able to settle your tuition fee on or before the due date. Please therefore note the time required for the different payment methods of the loan as specified in the “Guidance Notes”.

 
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General Enquiries

For assistance from the Centre STARS, please contact : Room QT308, 3/F (Entrance at Core T)
The Hong Kong Polytechnic University
Tel. : 3400 3764
Email : stars.fa@polyu.edu.hk

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