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

Responsibilities of Applicants and Indemnifiers


Responsibilities of Applicants

  1. Providing true and complete information
    • You have the responsibility to fill in each and every item of information in full details and must complete the application documents FULLY and TRUTHFULLY. Any misrepresentation or omission may lead to disqualification from application and/or full recovery of loan(s) already offered to you, and court proceedings. Legal action will also be taken against those suspected of obtaining or attempting to obtain money by deceit. Read More
  2. Declaring financial status of Applicants and Indemnifiers
    • You are required to notify the SFO immediately if there are changes in your / your indemnifier’s financial, legal and residential status. You would be required to procure an alternative indemnifier to execute the indemnity due to these changes.Read More
  3. Notifying change of study information
    • You must notify the SFO in writing immediately when there are changes in your study information. Read More
  4. Responsibilities of Indemnifiers for loans accepted by applicants
    • The SFO has right to administer the payment arrangement and determine the execution of the financial assistance schemes. The indemnifier is required to notify the SFO immediately whenever there are any changes in his / her financial or legal status, or when he / she intends to leave / has left Hong Kong for three months, which procurement of an alternative indemnifier to execute the indemnity will be required. He / she is also required to furnish the SFO with copies of his / her Hong Kong Identity Card. Read More
STEP 2 General Information

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STEP 2 General Information

Learn before you apply - Tips on Financial Management