Extended Non-Means-Tested Loan Scheme(ENLS)
Extended Non-means-tested Loan Scheme(ENLS)

Maximum Level of Loan Amount and Life-time Loan Limit

  • The maximum amount of loan you may borrow is the total tuition fee(s) payable in the 2021/22 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.
  • 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 is HK$384,700 for the 2021/22 academic year. Read More
  • 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 an applicant has exhausted the life-time loan limit or its remaining balance, the SFO will not consider his / her loan application(s).
  • Please view the level and conditions of loan to be borrowed for different categories of programmes. (subject to the life-time loan limit or its remaining balance not being exceeded) Read More

STEP 2 General Information

Tips on Selecting Courses