先確認你申請的是甚麼First confirm what you are applying for

此計劃協助合資格升高校學生處理貸款利息，不等於免還本金。申請人要同時理解政府補助條件與銀行信貸、擔保、還款和文件要求。The scheme supports interest for eligible higher-education students; it does not remove the obligation to repay principal. Applicants must understand both government subsidy conditions and the bank's credit, guarantee, repayment and document requirements.

把兩條流程放在同一張表Put both processes on one sheet

  • 政府：資格、指定表格、修讀證明、申請期和每學年續辦需要。Government: eligibility, prescribed forms, study evidence, application window and any annual renewal.
  • 銀行：參與機構、貸款額、擔保、利率、還款期、提前還款和逾期後果。Bank: participating lender, loan amount, guarantee, rate, repayment term, early repayment and late-payment consequences.
  • 學校：錄取、學費截止日和可接受的付款證明。Institution: admission, tuition deadline and acceptable proof of payment.

用完整留學預算判斷借貸額Use a complete budget to judge borrowing

不要只用學費計算。住宿訂金、保險、簽證、交通、生活費、匯率緩衝和緊急備用金都會影響所需金額及還款能力。Do not calculate from tuition alone. Housing deposits, insurance, visa, transport, living costs, exchange-rate buffer and emergency reserves affect the required amount and ability to repay.

ASIDU 可協助整理預算與截止日期，但不提供信貸審批、法律或個人理財意見。ASIDU can organise budgets and deadlines, but does not provide credit approval, legal advice or personal financial advice.

官方核對入口Official verification links

以下連結是本頁 2026 年覆核的第一手入口。課程、費用、資格、政策與日期仍應在採取行動當日重新確認。These are the first-party starting points used for the 2026 review. Recheck programmes, fees, eligibility, policy and dates on the day you act.