- The maximum amount of loan you may borrow is the total tuition fee(s) payable in the 2024/25 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 for the 2024/25 academic year is HK$406,700 and will be price-adjusted annually thereafter in accordance with the Composite Consumer Price Index.
- 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 you have exhausted the life-time loan limit or its remaining balance, the SFO will not consider your loan application(s).
For details, please refer to the Student Finance Office (SFO)'s homepage at:
https://www.wfsfaa.gov.hk/sfo/en/postsecondary/enls/overview.htm.
For enquiries, you may wish to contact the SFO:
Address: 11/F, Cheung Sha Wan Government Offices, 303 Cheung Sha Wan Road, Kowloon (near C1 exit of the Shamshuipo MTR station)
Office hours: Mon - Fri 8.45 am to 1 pm and 2 pm to 5.45 pm; except Sat and Public Holidays
24-hour automated enquiry hotline: 2802 2345
ENLS enquiry number during office hours: 2150 6223
ENLS fax number: 2802 9153
E-mail address: wg_sfo@wfsfaa.gov.hk
- Please read the "Learn Before Applying" shown on SFO webpage before application.
- You need to complete and submit the online application form through “SFO E-link – My Applications”. Reference can be made from the Online Demonstration (ENLS). For the application procedures, please refer to the SFO webpage.
| (1) | You may apply for ENLS loan even if you have already paid your tuition fees provided that you submit complete application before the deadline (31 July 2025) and all the lectures of course(s) under application of the 2024/25 academic year have not been completed at the time of submission. As you have already paid the tuition fees, your entitled ENLS loan will be made to you by autopay. |
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(2) |
If you have settled tuition fee(s) when submitting application, the payment(s) will be made by autopay to your bank account filled in the ENLS application form. Please visit Finance Office’s “Student Account Portal (SAP)” (https://www40.polyu.edu.hk/fosae/) to print the payment receipt as supporting document. |
| (3) | If you have not settled the tuition fee(s) upon ENLS application, the payment(s) will be made by cheque payable to The Hong Kong Polytechnic University. You should ensure the payment amount and schedule when you fill in the application form. For the general payment schedule, you may refer to the webpage of Finance Office (FO) at https://www.polyu.edu.hk/en/fo/students/fee-and-payment/students-in-taught-programmes/tuition-and-other-fees/tuition-fee-payment-schedules-tpg/. For getting verification letter indicating your tuition fee(s) payable for the whole academic year, you may approach your Department for help. |
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(4) |
Neither your application nor the approval for an ENLS loan carries any implications that the payment deadline 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. Please therefore note the time required for the different payment methods of the loan as specified in the “Guidance Notes”. |
