新加坡本地人，有百分之多少读大学是贷款的？10-15%据说大学贷款可以用CPF还，所以很多新人乐意用。。。有人了解读大学的贷款的详细情况吗?
比如贷款条件、是否无息贷款、贷款年限等等。公立大学 – 大约30%
公立理工学院 – 5%
私立学府 – 不详
蔡厝港集选区议员，通商中国总裁刘燕玲去年曾在国会上问过类似的问题：“In the last five years (a) what is the total number of students who have taken out study loans to finance their tertiary education in public and private institutions; (b) what is their total loan quantum; and (c) what is the default rate of these study loans.”
教育部答曰：“
（1）From 2006 to 2010, about one-third of undergraduates and 5% of Diploma students from our publicly-funded institutions tapped on government-funded loan schemes to finance their studies.
（2）The government provides loans for these students through two schemes. First, a Tuition Fee Loan, which covers up to 90% of the fee payable by Singapore Citizens (SC) at the undergraduate level, and 75% at the diploma level.
（3）Second, a means-tested Study Loan, which covers the portion of fees not covered by the Tuition Fee Loan, i.e. up to 10% of SC fees at the undergraduate level and 25% at the diploma level, and also provides an amount for living expenses.
（4）On average over the last five years, the overall amount taken out in new loans was around $100 million per annum. From an individual student perspective, the actual loan amount will typically vary according to the course fees payable, as well as the availability of other sources of financing, such as government bursaries.
（5）The default rate for these loans has remained low. Non-performing loans are less than 1% of the total outstanding loan amount.
（6）MOE does not track the number of students in private institutions who take up education loans.贷款条件 – 任何人都可以申请，但须有担保人。
是否无息贷款 – 在校期间无息，从毕业后第二个月开始开始计算利息。
贷款年限等等 – 最长20年， 每月至少还100元。
注： 以上只适用于在本地公立大学就读的学生。
详情请参考： Development Bank of Singapore (DBS Bank)
Oversea-Chinese Banking Corporation (OCBC Bank)
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如果有意去海外和私立教育机构就读， 可以去以下网站获取最新信息： http://www.smartloans.sg/education-loan摘自公积金局的网站：http://www.cpf.gov.sg/cpf_info/Publication/educatn.asp#q8
可以用于教育的公积金金额：-（普通户头余额 + 特别户头余额 + 已提取的用于购买住宅或其它投资的公积金金额 – 公积金最低存款额（Minimum Sum））x 80% – 已提取的用于投资或教育的公积金金额= $A普通户头余额 – 普通户头现金额（Minimum Sum Cash Component to be set aside in the Ordinary Account）= $B如果$A小于$B， 那么$A就是可用于支付学费的金额， 反之亦然。
公积金局的网站上列举了几个“实例”：-
注意： 以上图表中的Minimum Sum(MS)是2000年的数据。现在的的MS是$139,000.00.如果min sum换成139000。。。那就不是每个人都能动用得到了。。。。难怪要贷款了。。。
如果按照旧的算法，几乎没有人读不了大学。。。读大学期间贷款，又没有利息， 大学结束后，就一次性付清。。