NLSFT ebanner

「全日制大專學生免入息審查貸款計劃」

[for full-time tertiary students who are covered under the Tertiary Student Finance Scheme - Publicly-funded Programmes (TSFS)]

Important Notice

From the 2017/18 academic year, a photocopy of the automatic teller machines (ATM) transaction advice or the customer copy of the bank pay-in slip for the HK$260 administrative fee paid should be submitted together with the signed declaration and required supporting documents to the Student Finance Office (SFO) within 7 days after you have submitted the on-line application.

 

The original receipt for the administrative fee paid should be submitted together with the loan documents and the required documents to the SFO of the Working Family and Student Financial Assistance Agency (WFSFAA) upon acceptance of the NLSFT loan.

Eligibility

(1) You (PolyU student) may be eligible for applying the Non-means-tested Loan Scheme for Full-time Tertiary Students (NLSFT) if:
(a) you are a registered student taking up an exclusively government-funded student place of one of the PolyU government-funded programmes1 in the 2020/21 academic year;
and
(b) you have the right of abode in the Hong Kong Special Administrative Region (Hong Kong) or have resided or have had your home in Hong Kong continuously for 3 complete years prior to the commencement of the course2.

(Remarks: This does not cover students holding -

  • student visas/entry permits;
  • visas /entry permits under the Immigration Arrangements for Non-local Graduates; or
  • dependant visas/entry permits which were issued to them by the Director of Immigration when they were 18 years old or above.)
2 If you do not have the right of abode in Hong Kong (without the alphabet "A" beneath the Date of Birth field of the Hong Kong Identity Card), you should also provide a copy of their entry permits to Hong Kong, e.g. one-way permit/dependant visa, etc., with your application.
(2) Your eligibility is restricted to only one eligible full-time course in any one particular academic year.
(3) If you have any arrears of grant and/or loan and/or student travel subsidy under any financial assistance/loan schemes administered by the Government's Student Finance Office (SFO), your application for financial assistance/loan will be considered by the Controller, SFO on individual merits.

1 Remarks

(i) Normally, you are required to pay a flat annual tuition fee of HK$31,575 (for Higher Diploma students) or HK$42,100 (for Bachelor's Degree students).
(ii) If there is change of your student status, you may no longer be eligible for the assistance under the NLSFT. Upon the change is confirmed, you should immediately notify the SFO in writing and be prepared for the repayment of the overpaid assistance, if any.

Details and Enquiries

For details of the NLSFT, please visit the Student Finance Office (SFO)'s homepage at : https://www.wfsfaa.gov.hk/sfo/en/postsecondary/nlsft/overview.htm.

 

YouTube SFO YouTube Channel for introduction of NLSFT

 

For enquiries (e.g. check progress of your application), you may wish to contact the SFO:

 

Address : Room 1204, Cheung Sha Wan Government Offices, 303 Cheung Sha Wan Road, Kowloon 
                  (near exit C1 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


NLSFT enquiry number during office hours :
2150 6222


NLSFT fax number :
3101 1908


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

Maximum Level of financial assistance under the NLSFT

(1) Students who apply for NLSFT only, i.e. have not applied for assistance under the TSFS or fail to obtain assistance under the TSFS, may receive NLSFT loan(s) up to the maximum amount of their tuition fees payable.
(2) Students who receive financial assistance under the TSFS may be entitled to loan(s) under the NLSFT up to the difference between the maximum financial assistance under the TSFS and the amount of financial assistance they may receive under the TSFS, subject to the NLSFT loan maximum (equivalent to the tuition fees payable) not being exceeded.
(3) With effect from the 2012/13 academic year, a combined life-time loan limit is imposed on students eligible for receiving loans under NLSFT and NLSPS [i.e. students taking courses covered by TSFS and FASP]. The loan limit will be price-adjusted annually in accordance with the Composite Consumer Price Index. For 2019/20 acadmic year, the combined life-time loan limit is HK$372,700.  The combined life-time loan limit for the 2020/21 academic year will be announed in the SFO website at https://www.wfsfaa.gov.hk/sfo/en/postsecondary/nlsft/general/loan_limit.htm later.
(4) Loan(s) disbursed from the 2012/13 academic year and onwards will be counted towards the combined life-time loan limit, which is not of revolving nature and will not be reset by any repayments.
(5) Students who have exhausted their life-time loan limit for studying courses for attaining their first degree-level study may apply to use up to HK$100,000 of their life-time loan limit under ENLS (applicable to students not covered under TSFS or FASP and pursuing specific part-time and full-time post-secondary and continuing and professional education courses in Hong Kong). Such applications will be considered on a case-by-case basis. The SFO will consider factors such as whether the students are studying for their first degree-level study and the tuition fee level of the course, etc.


Current Interest Rate

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

2020/21 PolyU Programmes under the NLSFT

All the full-time government-funded PolyU programmes covered under the NLSFT 2020/21 are stated on the Course Coding Sheet. You should check your course information stated on it for completion of "Step 3" of the application form.

2020/21 Application Procedures

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

Starting from 20 April 2020, eligible applicants can submit electronic application for the 2020/21 “Non-means-tested Loan Scheme for Full-time Tertiary Students (NLSFT)” via the online platform “SFO E-link – My Applications” (http://ess.wfsfaa.gov.hk). Online demonstration and related documents can be found on this platform. 

 

Guidance Notes and documents related to the NLSFT can also be downloaded from the SFO webpage: https://www.wfsfaa.gov.hk/sfo/en/postsecondary/nlsft/application/forms.htm.

(1)

Read the Guidance Notes and online demonstration which can be found on the “SFO E-link – My Applications” (http://ess.wfsfaa.gov.hk);

(2)

Submit online application via “SFO E-link – My Applications” (http://ess.wfsfaa.gov.hk);

(3)

Submit the signed declaration and  required supporting documents (including copy of proof for the HK$260 administration fee) to the SFO within 7 days by one of the following methods: (marked in red)

  1.

by online upload via “SFO E-link – My Applications” (http://ess.wfsfaa.gov.hk); (PDF or JPEG format, max capacity 6MB);
  2.

by post or by hand to the Student Finance Office (SFO) - Room 1204, 12/F, Cheung Sha Wan Government Offices, 303 Cheung Sha Wan Road, Kowloon (Attn: NLSFT APU); or.
  3.

by hand to the government SFO drop-in box at PolyU Centre STARS (Room QT308, 3/F, Core T) between 13 May and 18 June 2020 (Collection time: Mon - Fri: 9 a.m. to 12:30 p.m. & 2 p.m. to 5:45 p.m.; except public holidays).

(4)

If the information provided is complete, the gov’t SFO will normally issue the “Notification of Result of Application for Loan” within 3 weeks from the date of the SFO’s issue of the “Acknowledgement of Receipt of Application”;

(5)


Fill in the loan documents and return the complete set of required documents together with the original copy of receipt of the paid administrative fee to the SFO before the deadline shown on the result letter. Late submission may lead to delay in loan disbursement;

(6)

Receive the "Remittance Advice" issued by the SFO about 3 weeks before the loan disbursement date (i.e. the loan draw down date) shown on the advice1; and
(7)

Before the loan disbursement date, receive an email issued by the Finance Office of PolyU about the update of NLSFT transaction record on the Student Account Enquiry (SAE) facility at https://www40.polyu.edu.hk/fosae/.
(8)







If you have settled the tuition fee in full by the time your borrowed NLSFT loan is released, PolyU Finance Office will normally refund the NLSFT loan to your designated bank account filled in your NLSFT e-application form after 1 to 2 working days.If you have settled the tuition fee in full by the time your borrowed NLSFT loan is released, PolyU Finance Office will normally refund the NLSFT loan to your designated bank account filled in your NLSFT e-application form after 1 to 2 working days. 1 Neither your application nor the approval for an NLSFT loan carries any implications that the payment due date 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.

Neither your application nor the approval for an NLSFT loan carries any implications that the payment due date 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.

 


2020/21  Application Period

(1)

For local full-time government-funded students of taught programmes admitted in 2019/20 or before

Official Deadline: 15 May 2020 (Friday)

 

Late submission after the official deadline


"SFO E-link - My applications" (http://ess.wfsfaa.gov.hk) platform is open for online application until 31 December 2020.  Eligible applicant may submit late application on or before 31 December 2020.


If you want to borrow the NLSFT loan for direct settlement of tuition fee for semester 1 of 2020/21 academic year, which will be due on 1 September 2020, please submit application not later than 19 June 2020** and ensure that you can receive "Remittance Advice" issued by the SFO office by early Aug 2020.


If you have genuine financial difficulties and have to wait for the late disbursement of the NLSFT loan for direct settlement of tuition fee, you may apply for Deferred Payment. For details, please visit http://www.polyu.edu.hk/stars/fa/def from mid-Aug 2020.


** Neither your application nor the approval for an NLSFT loan carries any implications that the payment due date 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.

(2) For new local full-time government-funded students of taught programmes admitted in 2020/21
  Application deadline is around Sept 2020. Please watch out for update in July 2020.

(3)

For local full-time government-funded research students

Starting from 2018/19 academic year, the Government has provided tuition waiver for all local students enrolled in UGC-funded Research Postgraduate (RPg) programmes (https://www.ugc.edu.hk/eng/rgc/funding_opport/tws.html). All local students enrolled in UGC-funded RPg programmes are provided with tuition waiver. Therefore, eligible students are no longer eligible for applying the non-means-tested loan.
 
 
 
「全日制大專學生免入息審查貸款計劃」
 
 [適用於合資格申請「資助專上課程學生資助計劃」的全日制學生]
 

重要事項

由2017/18學年開始,透過網上平台遞交申請後,你需連同已繳付港幣260元行政費的銀行收據或自動櫃員機轉帳通知書副本丶已簽署聲明書及證明文件於七天內送交至「學生資助處」。

已繳付行政費的銀行收據正本,則須於接受全日制大專學生免入息審查貸款時,連同貸款文件及其他所需文件一併遞交往「學生資助處」。

申請資格

(1) 要符合資格申請「全日制大專學生免入息審查貸款計劃」的資助︰
(a) 你 (理大同學) 須在2020/21學年就讀其中一個理大的全日制政府資助課程*,而你的學額亦必須是政府資助的1
(b) 擁有香港特別行政區 (以下簡稱「香港」) 居留權,或在課程開始前,你或你的家庭已連續在香港居住滿三年2

(備註:這並不包括:
  • 持香港學生簽證 / 進入許可證的留學生;
  • 持非本地畢業生留港 / 回港就業安排簽證 / 進入許可證的人士;或
  • 持由香港入境事務處處長簽發的受養人簽證 / 進入許可證來港而獲發簽證時已年滿18歲或以上的人士。)
2 假如你沒有香港居留權 (即香港身份證出生日期一欄下方沒有英文字母"A"),你必須在遞交申請時一併提供進入香港的許可證明文件副本,例如單程證 / 受養人簽證等。
(2) 你只可於同一學年內,就一個合資格的全日制課程申請資助。
(3) 倘若你於任何由學資處所管理的學生資助 / 貸款計劃尚有已經要求償還但仍未償還的助學金及 / 或貸款及/或學生車船津貼,學資處監督將會個別考慮你的資助 / 貸款申請。
  1 附註
(i) 一般而言,你需繳付全年學費港幣31,575元 (高級文憑課程同學) 或港幣42,100元 (學士學位課程同學)。
(ii) 假如你的學生身份有變,你可能不再合資格獲取「全日制大專學生免入息審查貸款計劃」的資助。在確定變更後,你必須立即書面通知學生資助處 (「學資處」) 及準備退還多付給你的貸款 (如適用)。

詳情及查詢

有關「全日制大專學生免入息審查貸款計劃」的詳情,請參閱「在職家庭及學生資助事務處」轄下的「學生資助處」網頁 https://www.wfsfaa.gov.hk/sfo/tc/postsecondary/nlsft/overview.htm

YouTube 學資處YouTube 頻道介紹「全日制大專學生免入息審查貸款計劃」

如有查詢 (例如查詢申請進度),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1204室 (鄰近深水埗地鐵站C1出口)

辦公時間:星期一至星期五上午8時45分至下午1時及下午2時至5時45分;公眾假期除外

24小時電腦對話查詢熱線:2802 2345

NLSFT 辦公時間內的查詢電話:2150 6222

NLSFT 圖文傳真號碼:3101 1908

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

「全日制大專學生免入息審查貸款計劃」最高資助金額

(1) 合資格的學生如只申請「全日制大專學生免入息審查貸款計劃」,即沒有申請「資助專上課程學生資助計劃」或在該計劃下並無獲得資助,最高貸款額將為申請人該學年應繳學費的總額。
(2) 在「資助專上課程學生資助計劃」下獲得資助的學生亦可按「全日制大專學生免入息審查貸款計劃」獲得貸款,最高貸款額可按你「資助專上課程學生資助計劃」所得的資助額與該計劃的最高資助額兩者之間的差額,但不得超逾「全日制大專學生免入息審查貸款計劃」的貸款上限 (即應繳學費總額)。
(3) 自2012/13學年開始,合資格學生於本貸款計劃及「專上學生免入息審查貸款計劃」(即修讀「資助專上課程學生資助計劃」及「專上學生資助計劃」所涵蓋課程的學生) 下會設有一個合併計算的個人終身貸款限額,該限額每年按綜合消費物價指數調整,有關限額於2019/20學年為港幣372,700元。2020/21 學年的合併終身貸款限額將於稍後在2020/21 學年的合併終身貸款限額將於稍後在學資處網頁 (http://www.wfsfaa.gov.hk/sfo/tc/postsecondary/nlsft/general/loan_limit.htm) 公布。
(4) 2012/13學年起發放的貸款將被計算於該合併終身貸款限額,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。
(5) 如合併終身貸款限額未足夠讓合資格學生完成修讀首個達至學士學位程度的課程時,學生可申請使用其於「擴展的免入息審查貸款計劃」 (適用於「資助專上課程學生資助計劃」及「專上學生資助計劃」不包括,但在香港修讀指定的兼讀制及全日制專上和持續進修及專業教育課程的學生)下的終身貸款限額,但以港幣100,000元為限。「學資處」會視乎合資格學生的情況,個別審批這類申請,考慮因素包括學生是否在修讀首個學士學位課程及課程的學費水平。

現時利率

請瀏覽「學資處」的最新消息查詢有關現時「全日制大專學生免入息審查貸款計劃」的利率。

2020/21「全日制大專學生免入息審查貸款計劃」包括的理大課程

所有符合申請2020/21「全日制大專學生免入息審查貸款計劃」的全日制政府資助的理大課程,皆列於適用於理大的「課程編號一覽表」。申請人在輸入表格「第三步」就讀課程資料前,請先於此表查閱有關資料。

2020/21 申請步驟

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。

2020年4月20日開始,「全日制大專學生免入息審查貸款計劃」(簡稱NLSFT)的合資格申請人可透過網上平台「學資處電子通 - 我的申請」(http://ess.wfsfaa.gov.hk) 遞交電子申請。同學亦可於這平台參閱網上示範(https://ess.wfsfaa.gov.hk/demo/tc/)。

NLSFT申請指引及有關文件,也可於學資處網頁下載:https://www.wfsfaa.gov.hk/sfo/tc/postsecondary/nlsft/application/forms.htm

     
(1) 閱讀上載於「學資處電子通 - 我的申請」(http://ess.wfsfaa.gov.hk) 的申請指引及網上示範。
(2) 透過網上平台「學資處電子通 - 我的申請」(http://ess.wfsfaa.gov.hk) 遞交電子申請。
(3) 你在遞交網上申請表後(包括已繳付港幣$260行政費的收據副本),需於七天內以下列方法遞交已簽署聲明書及證明文件:
  1. 透過網上平台上載 (http://ess.wfsfaa.gov.hk)  -  檔案必須以PDF或JPEG格式儲存及不可超過6MB;
  2. 郵寄或親身遞交往「學生資助處」(九龍長沙灣道303號長沙灣政府合署12樓1204室 - 經辦人:全日制大專學生免入息審查貸款計劃 (處理申請組));或
  3. 2020年5月13日至6月18日期間,親身遞交往理大學生發展及資源 (Centre STARS)(T座3樓QT308室)內的「學生資助處」收集箱 (收集時間:星期一至五 上午9:00至下午12:30 及下午2:00至5:45;公眾假期除外)。
(4) 若你提供的資料齊備,而學資處接受你的逾期申請,在一般情況下,學資處會在發出「接獲申請通知書」後3個星期內向你發出「申請結果通知書」;
(5) 你需於「學資處」網頁下載貸款文件,並在通知書上列明的期限前遞交所有有關貸款所需的文件及已繳付行政費收據正本予「學資處」(遲交貸款文件可能會延誤貸款發放的日期);
(6) 約於貸款發放日3星期前收到「學資處」發出的「貸款發放通知書」信上將列明貸款發放的日期及金額1;及
(7) 在貸款發放日前收到由理大財務處發出的電郵,提醒你免入息審查貸款的資料已於Student Account Enquiry (SAE) (https://www40.polyu.edu.hk/fosae/) 更新。
(8) 如果你在借取的NLSFT貸款發放時已全數繳付學費,理大財務處通常會於收到貸款後的1至2個工作天內,退還該筆貸款至你在NLSFT申請表上填寫的指定銀行賬戶。
  1 即使你已遞交「全日制大專學生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。

2020/21 申請日期

(1)

2019/20或之前入讀全日制政府資助授課式課程的本地同學

截止申請日期﹕ 2020年5月15日 (星期五)

 

假如同學打算借取「全日制大專學生免入息審查貸款」直接繳付2020/21學年第一期學費 (2020年9月1日到期),你必須於2020年6月19日或以前遞交「全日制大專學生免入息審查貸款」申請書**,及確保你將可於2020年8月中收到政府「學生資助處」發出的「貸款發放通知書」,信上列明貸款發放日期。

假如你因經濟困難而必須等待「全日制大專學生免入息審查貸款計劃」發放的貸款繳付學費,你可申請延期繳交學費,詳情可於2020年8月中參閱http://www.polyu.edu.hk/stars/fa/def

** 即使你已遞交「全日制大專學生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。 

(2) 2020/21入讀全日制政府資助授課式課程的本地新同學
  申請日期約為2020年9月,詳情請留意稍後公佈。

(3)

就讀全日制政府資助課程的研究生

自2018/19學年起,政府會為修讀教資會資助研究院研究課程的所有本地學生提供學費豁免(https://www.ugc.edu.hk/big5/rgc/funding_opport/tws.html)。因此,免入息審查貸款將不再適用於受惠同學。