Extended Non-means-tested Loan Scheme (ENLS)

Enquiry
2150 6223

Overview

The Extended Non-means-tested Loan Scheme (ENLS) provides loans to eligible students to settle tuition fees of specific post-secondary/continuing and professional education courses studied in Hong Kong.

Maximum Level of Loan Amount and Life-time Loan Limit

Maximum Level of Loan Amount
  • The maximum amount of loan that an applicant may borrow in the 2024/25 academic year:

    1. the total tuition fee(s) payable in academic year; and
    2. should not exceed an aggregate of 12 months' tuition fee(s) payable; and
    3. should not exceed the life-time loan limit or its remaining balance.


  • Please note the level and conditions of loan for the following different categories of programmes.

Programme Structure Maximum Level and Conditions of Loan
a) Structured programme (excluding those postgraduate
research courses of which the tuition fees
will be paid in more than two instalments
in any period of 12 months)
  • Applicants' loan application must be for or not exceeding the tuition fee payable for any one semester / instalment or any combination of semester(s)/instalment(s).
b) Programme or course of which the tuition fees
are chargeable on a modular or credit basis
  • Applicants' loan application must be for or not exceeding the tuition fee payable for all the credits/modules stipulated in the debit note at the time of submission of application;
  • If applicants opt to add any course or credit which leads to additional tuition fees after they have submitted an application for ENLS loan, and wish to apply for the ENLS loan to cover the tuition fee payable for the additional course(s)/credit(s), applicants have to submit another application and pay administrative fee for that new application no matter whether the previous application has been approved; and
  • If applicants opt to drop any course or credit which leads to reduced tuition fees after they have submitted an application for the ENLS loan, applicants should notify the Student Finance Office (SFO) in writing at least 8 working days (excluding the loan drawdown date) before the loan drawdown date(s) for adjustment of the loan amount. If the SFO does not receive any notification of adjustment from applicants and the loan disbursed to them exceeds the tuition fee payable, applicants are required to refund any overpaid loan to the SFO. Applicants should note that interest will accrue for the ENLS loan disbursed to them from the drawdown date.
  • Applicants must submit separate loan application(s) for each semester unless proof/confirmation from their institution or its operator/local agency (if applicable) could be provided for the number of credit(s)/module(s) that applicants will pursue in the coming semesters within the same academic year.
c) Postgraduate research courses (MPhil or PhD) of which:︁

the tuition fees will be paid in two or
more instalments in any academic year; or

the tuition fees of the next and subsequent instalments
have yet to be announced; or

the tuition fees payable are not in equal instalments.
  • Applicants must submit a separate application for each instalment of their tuition fees payable unless proof/confirmation from their institution or its operator/local agency (if applicable) for the number of instalment(s) and amount that applicants will have to pay in the coming semesters within the same academic year; and
  • Applicants' loan application must be for or not exceeding the tuition fee payable for the instalment for which the loan is to be applied.
d) Summer semester course(s)/subject(s)
  • Applicants must submit a separate application if the course(s)/subject(s) is/are not included in any of their previous application(s); and
  • Applicants' loan application must be for or not exceeding the tuition fee(s) payable for all the subject(s) that the applicants have enrolled at the time of submission of application.
e) A combination of semester(s)/subject(s)
covered by the same application
  • Applicants' loan application must be for or not exceeding the tuition fee(s) payable for any one semester/subject or any combination of semester(s)/subject(s).
f) Any programme or course which does not fall
in any of the above-mentioned categories
  • Applicants must submit a separate application for each instalment of their tuition fee(s) payable; and
  • Applicants' loan application must be for or not exceeding the tuition fee payable of that particular instalment.
Life-time Loan Limit
  • A life-time loan limit is imposed on each student eligible for receiving loans under the ENLS. The life-time loan limit is HK$406,700 for the 2024/25 academic year.

  • 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 students 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 an applicant has exhausted the life-time loan limit or its remaining balance, the SFO will not consider his / her loan application(s).

  • Eligible Non-means-tested Loan Scheme for Full-time Tertiary and Non-means-tested Loan Scheme for Post-secondary students who have exhausted their combined 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 the ENLS. For those students, their Life-time loan limit under ENLS will be reduced accordingly.