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

Electronic Repayment Notification & Demand Note

  • For environmentally friendly reason and to avoid possible non-receipt of postal demand notes, monthly demand notes would be uploaded to “SFO E-link” and notifications would be sent to “MyGovHK” Internet online platforms for your viewing, printing and downloading.
  • You are required to register with “MyGovHK” and “SFO E-link - My Bills” service successfully when you apply for loan(s). You need to safekeep your “MyGovHK” account login username and password to facilitate receiving demand notes and repayment notifications through “SFO E-link - My Bills” service.Request for receiving demand notes and/or repayment notifications by other means will not be accepted. Read More
  • Monthly demand notes and/or notifications given in electronic form via the internet online platforms shall be deemed to have been duly given by the SFO and have been duly received by you regardless of whether you have actually accessed the demand notes or notifications via the internet online platforms and regardless of whether you have actual notice of the availability of such demand notes or notifications. Read More
  • Your failure to visit “MyGovHK” and / or “SFO E-link - My Bills” service online platform(s) to receive any repayment schedule or demand notes does not exempt you from the obligation to repay the instalment due on or before the due date. Otherwise, you will be regarded as breaching the terms in the Undertaking and the SFO has the power to demand you and/or indemnifier immediate repayment of all outstanding balance of the ENLS loan principal, interest, overdue interest (if any), administrative fees (if any) and any recovery expenses.The SFO also has the power to withhold the consideration and processing of your other financial assistance / loan applications and / or various applications relating to loan repayment under different financial assistance / loan schemes administered by the SFO; and to demand you and / or your indemnifier immediate repayment of all outstanding balance of loan principal, interest, overdue interest (if any), administrative fee (if any) and any recovery expenses in relation to other course(s) taken by you notwithstanding that they have not become due under the terms of such loan(s).
STEP 5 Loan Repayment

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STEP 5 Loan Repayment

Repayment Methods