ENLS ebanner

「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.

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).

Current Interest Rate

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

Details and Enquiries

For details, please refer to the Student Finance Office (SFO)'s homepage at:

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 : This email address is being protected from spambots. You need JavaScript enabled to view it.

 

2019/20 Application Form

(1) You can download and complete the paper-based 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.

 

(2) You can also complete and submit the online application forms through “SFO E-link – My Applications”. Please refer to the Part IIB of the Guidance Notes for details. You may also refer to the Online Demonstration for submitting the online application under the ENLS.

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.

Reminder

(1)

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

(2)

Paper-based application form / Application Summary with Declaration (for those submitted online application and please reserve a timeslot for submission) and all the necessary documents 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 the 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”.

 
 
 
「擴展的免入息審查貸款計劃」

重要聲明

在決定申請及接受2019/20學年擴展的免入息審查貸款前,你必須細閱「申請指引」及完全明白所訂明的「擴展的免入息審查貸款」的條款及條件,且同意並承諾遵守這些條款及條件。

最高貸款額及終身貸款限額

1.

在2019/20學年,你從「擴展的免入息審查貸款計劃」取得的最高貸款額相等於你在該學年應繳學費的總數,並在任何情況下,不得多於12個月的應繳學費,以及下文列明的個人終身貸款限額或其所剩餘額。

2.

自2012/13學年開始,合資格學生於此計劃下設有個人終身貸款限額,該限額於2019/20學年為港幣372,700元,之後每年按綜合消費物價指數調整。

3.

由2012/13學年起發放的貸款將被計算於該終身貸款限額,該限額不屬循環性質,亦不會因任何已償還貸款而獲重新計算。合資格學生可借的貸款額不得多於上述的應繳學費,亦不得多於個人終身貸款限額或其餘額,並以審批貸款當日計算。倘若你已耗盡你的終身貸款限額或所剩餘額,學資處將不會再考慮你提交的貸款申請。

現時利率

請瀏覽「學資處」的最新消息查詢有關現時「擴展的免入息審查貸款計劃」的利率。

詳情及查詢

有關計劃的詳情,請參閱 https://www.wfsfaa.gov.hk/sfo/tc/postsecondary/enls/overview.htm

如有查詢,請與「學生資助處」聯絡:

地址:九龍長沙灣道303號長沙灣政府合署11樓 (鄰近深水埗地鐵站C1出口)

辦公時間:星期一至星期五上午845分至下午1時及下午2時至545分;公眾假期除外

24小時電腦對話查詢熱線2802 2345

ENLS 辦公時間內的查詢電話2150 6223

ENLS 圖文傳真號碼 : 2802 9153

電郵地址﹕ This email address is being protected from spambots. You need JavaScript enabled to view it.

2019/20 申請表格

(1) 你可於「學生資助處」網頁下載紙本申請表格及有關文件 https://www.wfsfaa.gov.hk/sfo/tc/postsecondary/enls/application/forms.htm

(2) 你亦可透過「學資處電子通 — 我的申請」網上平台填寫及遞交「貸款計劃」的申請。有關填寫及遞交「貸款計劃」網上申請表的詳情,請參閱申請指引第二部分乙或瀏覽網上申請示範片段,以了解遞交網上申請的注意事項。

2019/20 截止申請日期

2019/20學年的截止申請日期為2020年7月31,但你必須於遞交申請時,仍未完成2019/20 學年申請所涵蓋的課程/科目的全部課堂



備忘

(1)

審慎理財先學好 金錢管理無難度」- 申請貸款前,請先認真考慮自己的還款能力。

(2)

請把填妥的紙本版的申請表格 / 遞交網上申請後下載及列印的申請摘要連聲明書(請先按指引預約時間),及有關文件交回政府「學生資助處」
地址:九龍長沙灣道303 號長沙灣政府合署11 樓 (鄰近深水埗地鐵站C1出口)
(星期一至五 上午8:45至下午1:00及下午2:00至5:45;公眾假期除外)。

(3)

如果你已繳交學費,你仍可申請「擴展的免入息審查貸款計劃」。只要你於遞交申請時,仍未完成2019/20學年申請表格內所涵蓋的課程 / 科目的全部課堂,並於截止申請日期 (2020年7月31日) 前盡早遞交完備的申請。由於你已經繳交學費,你合資格借取的貸款將以自動轉帳形式發放給你。

(4)

假如你於申請時已經繳交學費,貸款將以自動轉賬方式存入你於ENLS申請表填寫的銀行賬戶內。請你在財務處的“Student Account Enquiry” (https://www40.polyu.edu.hk/fosae/) 系統列印付款收據以作證明。

(5)

假如你於申請時仍未繳交學費,貸款將以抬頭為香港理工大學的支票發放給你繳交學費。當你填寫申請表格時,請先確定你每期須繳付的學費金額及繳費期限(可參閱教務處網頁https://www.polyu.edu.hk/as/web/filemanager/en/content_27/paymentschedule.pdf),並需尋求你所屬學系的協助,發出證明你將繳付學費金額 / 修讀學分的信件。

(6)

即使你已遞交「擴展的免入息審查貸款計劃」的申請或你的申請已獲批准,這並不表示學校會把你的學費到期日順延。因此,你仍須遵照學校規定的限期或之前繳交學費。假如你計劃在學費到期日或之前獲得該筆貸款以繳付你的學費,你必須注意有關「申請指引」列明的各項貸款發放方法所需的處理時間能否配合。